United Community Banks (UCB) FCF Payout Ratio (2015 - 2026)
United Community Banks (UCB) posted FCF Payout Ratio of 0.49 for Q1 2026, down 5.02% sequentially from 0.52 in Q4 2025, and up 59.23% YoY from 0.31 in Q1 2025.
United Community Banks (UCB) FCF Payout Ratio (2015 - 2026) Analysis & Trends
United Community Banks has reported FCF Payout Ratio for 12 years, with the latest figure at 0.49 in Q1 2026.
- Quarterly FCF Payout Ratio rose 59.23% year-over-year to 0.49 in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 0.37 (up 4.8% YoY) and the FY2025 annual result came in at 0.33, down 10.39% from the prior year.
- FCF Payout Ratio declined to 0.49 in Q1 2026 per UCB's latest filing, from 0.52 in the prior quarter.
- Over five years, FCF Payout Ratio peaked at 3.28 in Q4 2023 and troughed at 12.65 in Q3 2024.
- A 5-year average of 0.28 and a median of 0.32 in 2024 frame the typical range for FCF Payout Ratio.
- The sharpest annual moves came in 2023 and 2024: FCF Payout Ratio surged 1046.42% in 2023, then sank 3482.36% in 2024.
- Over 5 years, FCF Payout Ratio stood at 0.29 in 2022, then soared by 1046.42% to 3.28 in 2023, then sank by 93.79% to 0.2 in 2024, then soared by 153.47% to 0.52 in 2025, then retreated by 5.02% to 0.49 in 2026.
- According to Business Quant data, FCF Payout Ratio over the past three periods registered 0.49, 0.52, and 0.25 for Q1 2026, Q4 2025, and Q3 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.74 Bn | 84.54 Bn | - | - |
| 2 | Pnc Financial Services | 97.95 Bn | 97.95 Bn | - | 0.32 |
| 3 | Us Bancorp | 96.36 Bn | 96.36 Bn | - | 0.17 |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.86 Bn | -144.23 Bn | - | - |
| 6 | Deutsche Bank Aktiengesellschaft | 72.14 Bn | -81.18 Bn | - | - |
| 7 | Nu Holdings | 70.75 Bn | 57.07 Bn | 2.35 Bn | - |
| 8 | Truist Financial | 61.78 Bn | 61.78 Bn | - | 0.67 |
| 9 | Fifth Third Bancorp | 49.89 Bn | 26.17 Bn | - | - |
| 10 | United Community Banks | 4.28 Bn | 3.74 Bn | - | 0.25 |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 0.25 |
| Mar 31, 2026 | 0.49 |
| Dec 31, 2025 | 0.52 |
| Sep 30, 2025 | 0.25 |
| Jun 30, 2025 | 0.34 |
| Mar 31, 2025 | 0.31 |
| Dec 31, 2024 | 0.20 |
| Sep 30, 2024 | -12.65 |
| Jun 30, 2024 | 0.32 |
| Mar 31, 2024 | 0.37 |
| Dec 31, 2023 | 3.28 |
| Sep 30, 2023 | 0.37 |
| Jun 30, 2023 | 0.36 |
| Mar 31, 2023 | 0.35 |
| Dec 31, 2022 | 0.29 |
| Sep 30, 2022 | 0.15 |
| Jun 30, 2022 | 0.16 |
| Mar 31, 2022 | 0.09 |
| Dec 31, 2021 | 0.25 |
| Sep 30, 2021 | 0.15 |