United Community Banks, Inc. (UCB) - Net Assets
Based on the latest financial reports, United Community Banks, Inc. (UCB) has net assets worth $3.64 Billion USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($28.00 Billion) and total liabilities ($24.36 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check United Community Banks, Inc. liquidity resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $3.64 Billion |
| % of Total Assets | 12.99% |
| Annual Growth Rate | 15.75% |
| 5-Year Change | 63.74% |
| 10-Year Change | 238.25% |
| Growth Volatility | 18.09 |
United Community Banks, Inc. - Net Assets Trend (1996–2025)
This chart illustrates how United Community Banks, Inc.'s net assets have evolved over time, based on quarterly financial data. Also explore United Community Banks, Inc. asset portfolio for the complete picture of this company's asset base.
Annual Net Assets for United Community Banks, Inc. (1996–2025)
The table below shows the annual net assets of United Community Banks, Inc. from 1996 to 2025. For live valuation and market cap data, see United Community Banks, Inc. (UCB) market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $3.64 Billion | +6.02% |
| 2024-12-31 | $3.43 Billion | +5.23% |
| 2023-12-31 | $3.26 Billion | +20.77% |
| 2022-12-31 | $2.70 Billion | +21.53% |
| 2021-12-31 | $2.22 Billion | +10.70% |
| 2020-12-31 | $2.01 Billion | +22.73% |
| 2019-12-31 | $1.64 Billion | +12.22% |
| 2018-12-31 | $1.46 Billion | +11.83% |
| 2017-12-31 | $1.30 Billion | +21.16% |
| 2016-12-31 | $1.08 Billion | +5.64% |
| 2015-12-31 | $1.02 Billion | +37.68% |
| 2014-12-31 | $739.58 Million | -7.06% |
| 2013-12-31 | $795.72 Million | +36.86% |
| 2012-12-31 | $581.40 Million | +1.03% |
| 2011-12-31 | $575.49 Million | -9.45% |
| 2010-12-31 | $635.51 Million | -33.96% |
| 2009-12-31 | $962.32 Million | -2.74% |
| 2008-12-31 | $989.38 Million | +18.93% |
| 2007-12-31 | $831.90 Million | +34.88% |
| 2006-12-31 | $616.77 Million | +30.48% |
| 2005-12-31 | $472.69 Million | +19.04% |
| 2004-12-31 | $397.09 Million | +32.64% |
| 2003-12-31 | $299.37 Million | +35.11% |
| 2002-12-31 | $221.58 Million | +13.83% |
| 2001-12-31 | $194.66 Million | +22.90% |
| 2000-12-31 | $158.39 Million | +32.75% |
| 1999-12-31 | $119.31 Million | +3.42% |
| 1998-12-31 | $115.36 Million | +53.59% |
| 1997-12-31 | $75.11 Million | +43.34% |
| 1996-12-31 | $52.40 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to United Community Banks, Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 2878.4% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $914.26 Million | 25.13% |
| Common Stock | $120.60 Million | 3.31% |
| Other Comprehensive Income | $-150.57 Million | -4.14% |
| Other Components | $2.75 Billion | 75.70% |
| Total Equity | $3.64 Billion | 100.00% |
United Community Banks, Inc. Competitors by Market Cap
The table below lists competitors of United Community Banks, Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Westgold Resources Ltd
AU:WGX
|
$3.64 Billion |
|
Scotts Miracle-Gro Company
NYSE:SMG
|
$3.65 Billion |
|
Ultrapar Participações S.A
F:UGR
|
$3.65 Billion |
|
Co-Tech Development
TWO:8358
|
$3.65 Billion |
|
AllianceBernstein Holding L.P.
NYSE:AB
|
$3.64 Billion |
|
RUBIS
F:BYN
|
$3.64 Billion |
|
Abercrombie & Fitch Company
NYSE:ANF
|
$3.64 Billion |
|
Bandhan Bank Limited
NSE:BANDHANBNK
|
$3.64 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in United Community Banks, Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 3,432,127,000 to 3,638,686,000, a change of 206,559,000 (6.0%).
- Net income of 328,150,000 contributed positively to equity growth.
- Dividend payments of 123,237,000 reduced retained earnings.
- Share repurchases of 135,810,000 reduced equity.
- Other comprehensive income increased equity by 62,347,000.
- Other factors increased equity by 75,109,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $328.15 Million | +9.02% |
| Dividends Paid | $123.24 Million | -3.39% |
| Share Repurchases | $135.81 Million | -3.73% |
| Other Comprehensive Income | $62.35 Million | +1.71% |
| Other Changes | $75.11 Million | +2.06% |
| Total Change | $- | 6.02% |
Book Value vs Market Value Analysis
This analysis compares United Community Banks, Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.14x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 2.53x to 1.14x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1996-12-31 | $13.42 | $33.94 | x |
| 1997-12-31 | $23.53 | $33.94 | x |
| 1998-12-31 | $17.96 | $33.94 | x |
| 1999-12-31 | $18.36 | $33.94 | x |
| 2000-12-31 | $23.98 | $33.94 | x |
| 2001-12-31 | $28.71 | $33.94 | x |
| 2002-12-31 | $32.08 | $33.94 | x |
| 2003-12-31 | $40.86 | $33.94 | x |
| 2004-12-31 | $51.26 | $33.94 | x |
| 2005-12-31 | $57.27 | $33.94 | x |
| 2006-12-31 | $71.39 | $33.94 | x |
| 2007-12-31 | $85.91 | $33.94 | x |
| 2008-12-31 | $102.06 | $33.94 | x |
| 2009-12-31 | $79.70 | $33.94 | x |
| 2010-12-31 | $33.58 | $33.94 | x |
| 2011-12-31 | $14.41 | $33.94 | x |
| 2012-12-31 | $10.05 | $33.94 | x |
| 2013-12-31 | $13.52 | $33.94 | x |
| 2014-12-31 | $12.21 | $33.94 | x |
| 2015-12-31 | $15.55 | $33.94 | x |
| 2016-12-31 | $14.96 | $33.94 | x |
| 2017-12-31 | $17.79 | $33.94 | x |
| 2018-12-31 | $18.29 | $33.94 | x |
| 2019-12-31 | $20.52 | $33.94 | x |
| 2020-12-31 | $24.12 | $33.94 | x |
| 2021-12-31 | $25.22 | $33.94 | x |
| 2022-12-31 | $25.29 | $33.94 | x |
| 2023-12-31 | $27.70 | $33.94 | x |
| 2024-12-31 | $28.61 | $33.94 | x |
| 2025-12-31 | $29.87 | $33.94 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently United Community Banks, Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.02%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 21.35%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 7.70x
- Recent ROE (9.02%) is above the historical average (4.91%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1996 | 15.65% | 21.28% | 0.05x | 15.80x | $2.96 Million |
| 1997 | 14.29% | 19.11% | 0.05x | 15.36x | $3.22 Million |
| 1998 | 13.57% | 0.00% | -0.04x | 15.72x | $4.11 Million |
| 1999 | 13.49% | 14.39% | 0.05x | 19.99x | $4.17 Million |
| 2000 | 9.17% | 10.34% | 0.06x | 15.97x | $-1.32 Million |
| 2001 | 13.99% | 11.68% | 0.08x | 14.12x | $7.76 Million |
| 2002 | 14.79% | 14.62% | 0.07x | 14.49x | $10.62 Million |
| 2003 | 12.73% | 15.53% | 0.06x | 13.59x | $8.18 Million |
| 2004 | 11.73% | 17.53% | 0.05x | 12.81x | $6.88 Million |
| 2005 | 12.00% | 15.39% | 0.06x | 12.41x | $9.47 Million |
| 2006 | 11.16% | 13.93% | 0.07x | 11.51x | $7.14 Million |
| 2007 | 6.97% | 9.48% | 0.07x | 9.87x | $-25.20 Million |
| 2008 | -6.41% | -12.25% | 0.06x | 8.68x | $-162.39 Million |
| 2009 | -23.73% | -50.32% | 0.06x | 8.31x | $-324.56 Million |
| 2010 | -79.05% | -128.92% | 0.05x | 11.71x | $-565.90 Million |
| 2011 | -39.40% | -65.25% | 0.05x | 12.13x | $-284.29 Million |
| 2012 | 5.82% | 10.51% | 0.05x | 11.70x | $-24.28 Million |
| 2013 | 34.33% | 90.31% | 0.04x | 9.33x | $193.57 Million |
| 2014 | 9.14% | 22.24% | 0.04x | 10.23x | $-6.34 Million |
| 2015 | 7.03% | 20.39% | 0.04x | 9.44x | $-30.25 Million |
| 2016 | 9.36% | 23.48% | 0.04x | 9.95x | $-6.92 Million |
| 2017 | 5.20% | 14.62% | 0.04x | 9.14x | $-62.51 Million |
| 2018 | 11.40% | 28.75% | 0.05x | 8.63x | $20.36 Million |
| 2019 | 11.35% | 28.97% | 0.05x | 7.90x | $22.15 Million |
| 2020 | 8.17% | 23.59% | 0.04x | 8.86x | $-36.66 Million |
| 2021 | 12.14% | 37.67% | 0.03x | 9.43x | $47.58 Million |
| 2022 | 10.27% | 29.87% | 0.04x | 8.89x | $7.40 Million |
| 2023 | 5.75% | 14.52% | 0.05x | 8.37x | $-138.61 Million |
| 2024 | 7.35% | 17.05% | 0.05x | 8.08x | $-90.82 Million |
| 2025 | 9.02% | 21.35% | 0.05x | 7.70x | $-35.72 Million |
Industry Comparison
This section compares United Community Banks, Inc.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $694,727,800
- Average return on equity (ROE) among peers: 9.37%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| United Community Banks, Inc. (UCB) | $3.64 Billion | 15.65% | 6.70x | $3.64 Billion |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $80.66 Million | 12.52% | 9.24x | $5.70 Billion |
| ACNB Corporation (ACNB) | $61.12 Million | 12.64% | 7.91x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $77.17 Million | 0.46% | 3.14x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $359.40 Million | 14.66% | 8.44x | $647.19 Million |
| Amalgamated Bank (AMAL) | $439.37 Million | 10.16% | 9.66x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $938.80 Million | 5.58% | 9.41x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $213.97 Million | 11.53% | 10.43x | $601.02 Million |
| Associated Banc-Corp (ASB) | $3.24 Billion | 7.08% | 8.42x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $83.00 Million | 10.72% | 12.73x | $62.60 Million |
About United Community Banks, Inc.
United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts. It also provides loans comprising owner occupied and income producing CRE, commercial and industrial, equipment financing, residential mortgage,… Read more