United Community Banks

Since 1950, United Community Bank has been dedicated to providing platinum-level service to our customers as the foundation of every relationship. Known as The Bank That SERVICE Built℠, we are committed to improving the lives of residents in the communities we serve through this philosophy of delivering exceptional banking service.

We carry an average rating of 96%* in customer satisfaction, the highest in the U.S. banking industry, and we operate as one of the strongest and most secure banks in the Southeast. Headquartered in Blairsville, GA, we are the third-largest traditional bank holding company in the state with more than 100 locations throughout Georgia, North Carolina, Tennessee and South Carolina.

We provide valuable products ranging from personal banking and mortgage services to Small Business Administration loans and risk-management solutions to meet our customers' needs.

When it comes to a better banking experience, United Community Bank delivers the personal attention you deserve.

Blairsville, US
Size (employees)
1,916 (est)+2%
United Community Banks was founded in 1950 and is headquartered in Blairsville, US

United Community Banks Office Locations

United Community Banks has an office in Blairsville

United Community Banks Metrics

United Community Banks Financial Metrics

Revenue (2016)

$404.3 m

Revenue growth (2015-16), %


Gross profit

$379 m

Gross profit margin (2016), %


Net income (2016)

$100.7 m

Market capitalization (28-Apr-2017)

$1.9 b

Closing share price (28-Apr-2017)


Cash (31-Dec-2016)

$217.3 m
United Community Banks's current market capitalization is $1.9 b.
United Community Banks's revenue was reported to be $404.3 m in 2016
FY, 2013FY, 2014FY, 2015Y, 2016


$278.4 m$326.3 m$404.3 m

Revenue growth, %


Cost of goods sold

$25.6 m$21.1 m$25.2 m

Gross profit

$252.9 m$305.1 m$379 m

Gross profit Margin, %


Operating expense total

$162.9 m$211.2 m$241.3 m

Pre tax profit

$107.1 m$115 m$163 m

Income tax expense

$39.5 m$43.4 m$62.3 m

Net Income

$273.1 m$67.6 m$71.6 m$100.7 m
FY, 2013FY, 2014FY, 2015FY, 2016


$228.9 m$192.7 m$240.4 m$217.3 m

Accounts Receivable

$19.6 m$20.1 m$25.8 m$28 m



$163.6 m$159.4 m$178.2 m$189.9 m

Total Assets

$7.4 b$7.6 b$9.6 b$10.7 b

Accounts Payable

Total Debt

$183.1 m$180.1 m

Common Stock

$46.2 m$50.2 m$66.2 m$70.9 m

Preferred Stock

$10 m

Additional Paid-in Capital

$1.1 b$1.1 b$1.3 b$1.3 b

Retained Earnings

($448.1 m)($387.6 m)($330.9 m)($251.9 m)

Total Equity

$795.7 m$739.6 m$1 b$1.1 b

Debt to Equity Ratio

0.2 x0.2 x

Debt to Assets Ratio

0 x0 x

Financial Leverage

9.3 x10.2 x9.5 x10 x
FY, 2013FY, 2014FY, 2015FY, 2016

Net Income

$273.1 m$67.6 m$71.6 m$100.7 m

Depreciation and Amortization

$26.4 m$1.3 m$2.4 m$4.2 m

Accounts Receivable


Accounts Payable

$42.5 m$110 k

Cash From Operating Activities

$191.7 m$101.9 m$111.9 m$138.7 m

Cash From Investing Activities

($482.8 m)($237.5 m)($400.4 m)($732.3 m)

Long-term Borrowings

($35 m)($35 m)($48.5 m)($48.5 m)

Cash From Financing Activities

$268.9 m$99.4 m$336.2 m$570.6 m

Interest Paid

$26.1 m$25.7 m$21.6 m$32.1 m

Income Taxes Paid

$2.4 m$3 m$4.2 m$3.9 m

United Community Banks Market Value History

United Community Banks Company Life

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