UCB – Dividend Returns, History & Calculator

Dividend Contender 11 Years

United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors in the United States. The compa

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Company Info

Symbol UCB
Company United Community Banks, Inc.
Sector Financial Services
Industry Banks - Regional
Website Visit
Market Cap $3,711.1M

Price Data

Price $30.53
Price Change +0.78
Price Change % +2.62%
Next Earnings Report Jan 21, 2026
Low (52W) $22.93
High (52W) $35.38

Dividend Data

Div Yield 3.28%
5Y Avg Yield 3.03%
Current Div $0.250
Payouts/Year 4
Annualized $1.000
Previous Div $0.240
Ex-date Dec 15, 2025
Dividend Pay Date Jan 5, 2026

Growth Rates

Chowder Number 9.4
DGR 1Y 4.3%
DGR 3Y 4.9%
DGR 5Y 6.1%
DGR 10Y 16.5%

Total Returns

TTR 1Y - With Specials -5.1%
TTR 3Y - With Specials -3.8%
TTR 1Y - No Specials -5.1%
TTR 3Y - No Specials -3.8%

Fair Value

Fair Value (P/E 10) $27.97
FV (P/E 10) % 9.0%
Fair Value (Peter Lynch) $63.00
FV (Peter Lynch) % -52.0%
Fair Value (Blended) $30.03
FV (Blended) % 2.0%

Financial Metrics

Revenue 1Y 9.9%
NPM 30.0%
CF/Share $3.84
ROE 9.1%
Debt/Capital 4.0%
ROTC 8.5%
P/E 12.1x
P/BV 1.0x
PEG 1.74
📊 Financial data last updated: November 24, 2025 1:51 pm

Calculate your UCB Dividend Returns

Quickly and easily calculate UCB dividend yield using our UCB calculator. Adjust the fields below to see how your UCB investments snowball over time.

Show Idealized Scenario (Assumes all future extra investments and dividends are made on Day 1 and reinvested instantly — this creates a best-case scenario for compounding growth.)

Portfolio Growth Over Time

Data last updated: November 26, 2025 10:00 pm

Year-by-Year Portfolio Growth (Realistic DRIP Scenario)

YearStart BalanceStart SharesShare PriceDividend / ShareDividend YieldYield on CostAnnual DividendTotal DividendsEnd SharesEnd Balance
1$10,000323$30.93$0.253.23%3.23%$352$352373$11,552
2$12,010373$32.16$0.293.59%3.73%$464$815425$13,674
3$14,217425$33.44$0.333.98%4.30%$604$1,420479$16,021
4$16,658479$34.76$0.384.41%4.96%$781$2,201536$18,639
5$19,379536$36.14$0.444.90%5.72%$1,004$3,204597$21,582
6$22,439597$37.58$0.515.43%6.60%$1,285$4,490663$24,925
7$25,914663$39.07$0.596.03%7.61%$1,643$6,133736$28,757
8$29,899736$40.62$0.686.68%8.78%$2,100$8,233817$33,200
9$34,518817$42.23$0.787.42%10.13%$2,689$10,922909$38,406
10$39,931909$43.91$0.908.23%11.68%$3,451$14,3721,015$44,582

UCB Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
09/15/202509/15/2025$0.2503.06%3.15%$31.70
06/13/202506/13/2025$0.2403.40%3.40%$28.23
03/14/202503/14/2025$0.2403.34%3.37%$28.47
12/16/202412/16/2024$0.2402.83%2.89%$33.25
09/16/202409/16/2024$0.2403.19%3.29%$29.19
06/14/202406/14/2024$0.2303.80%3.80%$24.22
03/14/202403/14/2024$0.2303.69%3.69%$24.92
12/14/202312/14/2023$0.2303.05%3.05%$30.21
09/14/202309/14/2023$0.2303.49%3.53%$26.04
06/14/202306/14/2023$0.2303.47%3.55%$25.91
03/14/202303/14/2023$0.2303.24%3.39%$27.16
12/14/202212/14/2022$0.2202.58%2.64%$33.30
09/14/202209/14/2022$0.2202.56%2.69%$32.76
06/14/202206/14/2022$0.2102.86%2.93%$28.69
03/14/202203/14/2022$0.2102.12%2.22%$37.80
12/14/202112/14/2021$0.2002.28%2.34%$34.16
09/14/202109/14/2021$0.2002.69%2.83%$28.30
06/14/202106/14/2021$0.1902.23%2.29%$33.19
03/12/202103/12/2021$0.1902.00%2.08%$36.46
12/14/202012/14/2020$0.1802.62%2.62%$27.45
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Invest in UCB with Interactive Brokers

UCB 10-yr Total Return ($10,000 invested)

This analysis of UCB demonstrates the power of dividend reinvestment over a 10-year period with a $10,000 initial investment. The dividend reinvestment strategy delivered a 8.2% CAGR, representing moderate long-term performance. The DRIP strategy provided 21% more total return compared to collecting dividends as cash, highlighting the compounding effect of reinvestment.

With DRIP No DRIP

Total Return with and without DRIP (UCB)

Over the selected period, investing $10,000 in UCB would grow to $28,796 with DRIP (188.0%), and $26,349 without DRIP (163.5%).

UCB Dividend Reinvestment Snowball

Investing $10,000 + $100/mo in UCB with historic price growth (3.97%) and dividend growth (15.34%) produces dramatically different outcomes depending on whether you reinvest dividends.

After 20 Years

Your Investment: $34,000

With DRIP

Portfolio: $329,182

Annual Dividend: $84,802

Yield on Cost: 249.42%

Total Dividends: $235,549

No DRIP

Portfolio: $137,032

Total Dividends: $78,856

After 30 Years

Your Investment: $46,000

With DRIP

Portfolio: $26,355,557

Annual Dividend: $19,165,283

Yield on Cost: 41,663.66%

Total Dividends: $24,481,403

No DRIP

Portfolio: $523,587

Total Dividends: $423,019

Milestones on the way

By year 13, the compounding really starts to show. Your total dividends collected reach $31,578 against a total investment of $25,600. At this point, your portfolio is throwing off $9,132 per year in dividends alone.

By year 17, the annual dividend climbs to around your initial contribution. For a starting investment of $10,000, the yearly dividend now sits at approximately $29,777, a powerful “income on autopilot” milestone.

After two decades, cumulative dividends total $235,549 versus $34,000 invested, nearly a 693% recovery of capital purely from income. Yield on cost reaches 249.42%.

At year 25, the income engine takes over. The portfolio’s annual dividend of $790,549 is greater than total contributions to date ($40,000), and cumulative dividends exceed $1,567,969.

By year 30, the DRIP snowball is in full force. Yearly income reaches $19,165,283, cumulative dividends total $24,481,403, and the DRIP portfolio value stands at $26,355,557, compared with $523,587 if dividends weren’t reinvested.

How we estimate these numbers

We use the latest calculator inputs for UCB, price $30.93, dividend per period $0.25 (4x/year), along with historic growth assumptions: price growth 3.97% and dividend growth 15.34% annually.

We simulate month by month for 30 years. Every month, a $100 contribution is added and converted to shares at that month’s price. Dividends are paid roughly evenly across the year based on the dividend frequency; in the DRIP path, each payout immediately buys additional shares at the then-current price. In the No-DRIP path, dividends accrue as cash. Prices grow using a monthly rate derived from the annual price growth. Dividends per share increase once per year at the annual dividend growth rate.

This model isn’t investment advice; it’s a simple, transparent framework that illustrates how reinvesting dividends can accelerate both income and total return over time.

Projected Future Returns & Dividends for UCB

Based on past 10-year performance, here are UCB growth metrics:

Share price CAGR of +-2.86%
Dividend CAGR of +16.53%

Using UCB CAGR metrics, we can estimate that your initial $10,000 investment, over the next 10 years, should grow as follows:

UCB (DRIP)UCB (No DRIP)
Current Price$29.77$29.77
Start Shares335.91335.91
Start Value$10,000$10,000
After 10 years:
Final Share Count896.71335.91
Dividends Payment$4.62$4.62
Annual Dividends$3,431$1,552
Yield on cost34.31%15.52%
Share Price$22.27$22.27
Total Dividends$13,442$8,568
Final Value$19,973$16,050

Estimated Future Value + Dividends – UCB

Dividend History: Payments & Yield

Shows quarterly dividend payments with trailing yield and a 5-year rolling average overlay. Use the range pills to switch the visible period.

Yield Dividend

Dividend Growth

Lifetime quarterly dividend amounts, with range controls for 1Y/2Y/5Y/10Y. Useful to visualize the cadence and pace of dividend increases over time.

Dividend

Dividend Payments & Yield

Quarterly dividends with TTM yield and a 5‑year rolling average overlay. Helps compare current yield versus recent history across different ranges.

Dividend 5-yr Rolling AVG Yield

UCB Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
09/15/202509/15/2025$0.2503.06%3.15%$31.70
06/13/202506/13/2025$0.2403.40%3.40%$28.23
03/14/202503/14/2025$0.2403.34%3.37%$28.47
12/16/202412/16/2024$0.2402.83%2.89%$33.25
09/16/202409/16/2024$0.2403.19%3.29%$29.19
06/14/202406/14/2024$0.2303.80%3.80%$24.22
03/14/202403/14/2024$0.2303.69%3.69%$24.92
12/14/202312/14/2023$0.2303.05%3.05%$30.21
09/14/202309/14/2023$0.2303.49%3.53%$26.04
06/14/202306/14/2023$0.2303.47%3.55%$25.91
03/14/202303/14/2023$0.2303.24%3.39%$27.16
12/14/202212/14/2022$0.2202.58%2.64%$33.30
09/14/202209/14/2022$0.2202.56%2.69%$32.76
06/14/202206/14/2022$0.2102.86%2.93%$28.69
03/14/202203/14/2022$0.2102.12%2.22%$37.80
12/14/202112/14/2021$0.2002.28%2.34%$34.16
09/14/202109/14/2021$0.2002.69%2.83%$28.30
06/14/202106/14/2021$0.1902.23%2.29%$33.19
03/12/202103/12/2021$0.1902.00%2.08%$36.46
12/14/202012/14/2020$0.1802.62%2.62%$27.45
09/14/202009/14/2020$0.1804.06%4.06%$17.75
06/12/202006/12/2020$0.1803.62%3.67%$19.64
03/13/202003/13/2020$0.1803.62%3.72%$19.36
12/13/201912/13/2019$0.1802.19%2.32%$30.99
09/12/201909/12/2019$0.1702.40%2.47%$27.53
06/13/201906/13/2019$0.1702.35%2.49%$27.28
03/14/201903/14/2019$0.1602.35%2.43%$26.33
12/13/201812/13/2018$0.1602.57%2.83%$22.61
09/13/201809/13/2018$0.1501.81%2.09%$28.68
06/14/201806/14/2018$0.1501.42%1.81%$33.13
03/14/201803/14/2018$0.1201.26%1.47%$32.56
12/14/201712/14/2017$0.1001.39%1.46%$27.33
09/14/201709/14/2017$0.1001.40%1.55%$25.74
06/13/201706/13/2017$0.0901.21%1.28%$28.05
03/13/201703/13/2017$0.0901.10%1.24%$29.06
12/13/201612/13/2016$0.0801.02%1.09%$29.32
09/13/201609/13/2016$0.0801.36%1.55%$20.61
06/13/201606/13/2016$0.0701.37%1.48%$18.95
03/11/201603/11/2016$0.0701.31%1.53%$18.30
12/11/201512/11/2015$0.0601.17%1.27%$18.86
09/11/201509/11/2015$0.0601.05%1.20%$20.00
06/11/201506/11/2015$0.0500.93%1.03%$19.46
03/11/201503/11/2015$0.0500.84%1.06%$18.94
12/11/201412/11/2014$0.0503.06%1.12%$17.85
09/12/201409/12/2014$0.0305.09%0.66%$18.31
06/12/201406/12/2014$0.0308.38%0.75%$15.99
06/12/200806/12/2008$0.4363.53%3.53%$49.51
03/12/200803/12/2008$0.4362.31%2.31%$75.45
12/12/200712/12/2007$0.4362.08%2.08%$83.98
09/12/200709/12/2007$0.4361.48%1.52%$114.82
06/13/200706/13/2007$0.4361.24%1.31%$133.35
03/13/200703/13/2007$0.4360.98%1.07%$163.12
12/13/200612/13/2006$0.3881.00%1.00%$155.60
09/13/200609/13/2006$0.3881.01%1.04%$148.76
06/13/200606/13/2006$0.3881.03%1.09%$141.78
03/13/200603/13/2006$0.3881.08%1.19%$130.78
12/13/200512/13/2005$0.3391.02%1.02%$133.30
09/13/200509/13/2005$0.3390.99%1.02%$132.62
06/13/200506/13/2005$0.3391.05%1.13%$120.45
03/11/200503/11/2005$0.3391.05%1.18%$114.92
12/13/200412/13/2004$0.2910.84%0.84%$139.21
09/13/200409/13/2004$0.2910.96%1.00%$116.57
06/14/200406/14/2004$0.2910.96%1.05%$110.85
03/11/200403/11/2004$0.2910.98%1.12%$103.64
12/11/200312/11/2003$0.2420.88%0.88%$109.91
09/11/200309/11/2003$0.2420.94%1.11%$87.77
06/12/200306/12/2003$0.2420.94%1.16%$83.89
03/12/200303/12/2003$0.2420.98%1.28%$75.97
12/26/200212/26/2002$0.0970.85%0.46%$83.69
12/12/200212/12/2002$0.2040.73%0.98%$83.21
09/12/200209/12/2002$0.2040.50%1.00%$81.59
06/12/200206/12/2002$0.2040.23%0.91%$89.22
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Dividend Payout Ratio

Tracks the percentage of earnings paid out as dividends each quarter. Lower and stable ratios often indicate safer, more sustainable payouts.

Payout Ratio

Dividend to Free Cash Flow Ratio

Shows dividends as a percentage of free cash flow. Consistently high values may signal limited reinvestment capacity or potential dividend risk.

Dividend/FCF Ratio

Share Price

Historical closing price with range controls. Table view includes quarter‑over‑quarter and year‑over‑year changes for additional context.

UCB Price

Price to Earnings

UCB trades at a 44.4x price-to-earnings ratio. This elevated valuation suggests investors expect strong future growth.

Price to Sales

UCB trades at a 14.7x price-to-sales ratio, providing insight into market valuation relative to revenue generation.

Revenue

UCB generated $0.3B in revenue. Revenue has grown by 57% over the period.

Net Income

UCB reported $0.1B in net income. Net income has grown by 40% over the period.

Revenue vs Net Income

UCB generated $0.3B in revenue with net income of $0.1B, representing a 33.0% net profit margin.

Gross Profit

UCB achieved $0.2B in gross profit, showing revenue after direct production costs.

Operating Income

UCB generated $0.1B in operating income, representing profit from core business operations.

EBITDA

UCB generated $0.1B in EBITDA, measuring operational profitability before interest, taxes, depreciation, and amortization.

Operating Cash Flow

UCB generated $0.1B in operating cash flow, demonstrating the company’s ability to convert earnings into cash.

Free Cash Flow

UCB generated $0.1B in free cash flow. Free cash flow has increased by 39% over the period.

Free Cash Flow / Share

UCB generates $0.79 in free cash flow per share. FCF per share has grown by 39% over the period.

Earnings Per Share (EPS)

UCB reported $0.75 in earnings per share. EPS has grown by 40% over the period.

Return on Equity (ROE)

UCB delivered a 27.5% return on equity, indicating how effectively the company generates returns for shareholders.

Return on Assets (ROA)

UCB achieved a 16.5% return on assets, measuring how efficiently the company uses its assets to generate profit.

Net Profit Margin

UCB maintains a 33.0% net profit margin, showing the percentage of revenue retained as profit after all expenses.

Gross Profit Margin

UCB operates with a 77.5% gross profit margin, reflecting pricing power and cost efficiency in core operations.

Cash & Debt

UCB holds $0.0B in cash against $0.0B in debt, resulting in a net cash position of $0.0B.

Shares Outstanding

UCB has 0.1B shares outstanding.

Stock-Based Comp

UCB reported $0.0B in stock-based compensation. Over the period, stock-based compensation has increased by 57%.

FCF vs Stock Based Comp

UCB generated $0.1B in free cash flow while spending $0.0B on stock-based compensation, representing 7% of FCF.

FCF vs FCF / Share

UCB reported $0.1B in free cash flow, translating to $0.79 per share.

Revenue: Actual + Estimates

This chart tracks UCB revenue: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EPS: Actual + Estimates

This chart tracks UCB eps: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Net Income: Actual + Estimates

This chart tracks UCB net income: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EBITDA: Actual + Estimates

This chart tracks UCB ebitda: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Disclaimer: The information on this page is for educational and entertainment purposes only and does not constitute financial advice. Do your own research and consult a qualified financial advisor before making investment decisions. Data sources include Yahoo Finance and other third-party providers and may contain errors or delays.

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