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UCB DRIP Calculator & Dividend Yield 2026
2.73% YieldFinancial ServicesUnited Community Banks, Inc. · NYSE
Price: $36.99 · Annual div: $1.01/share · Frequency: quarterly · Payout ratio: 39% · Ex-div: 2026-09-15
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Annual dividend income growth
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🎯 When UCB pays your bills
Year your monthly dividend income covers each expense (based on current settings)
UCB Dividend History — Last 77 Payments
| Ex-Dividend Date | Payment Date | Amount / Share | TTM Yield | Stock Price |
|---|---|---|---|---|
| 2026-09-15Latest | 2026-10-05 | $0.2600 | 2.96% | $34.11 |
| 2026-06-15 | 2026-07-03 | $0.2500 | 3.10% | $32.31 |
| 2026-03-13 | 2026-04-03 | $0.2500 | 3.78% | $32.51 |
| 2025-12-15 | 2026-01-05 | $0.2500 | 3.94% | $30.96 |
| 2025-09-15 | 2025-10-03 | $0.2500 | 3.66% | $33.10 |
| 2025-06-13 | 2025-07-03 | $0.2400 | 4.19% | $28.40 |
| 2025-03-14 | 2025-04-04 | $0.2400 | 2.97% | $32.02 |
| 2024-12-16 | 2025-01-06 | $0.2400 | 2.78% | $33.77 |
| 2024-09-16 | 2024-10-04 | $0.2400 | 3.09% | $30.14 |
| 2024-06-14 | 2024-07-05 | $0.2300 | 3.61% | $25.51 |
| 2024-03-14 | 2024-04-05 | $0.2300 | 3.59% | $25.65 |
| 2023-12-14 | 2024-01-05 | $0.2300 | 3.51% | $26.23 |
| 2023-09-14 | 2023-10-05 | $0.2300 | 3.30% | $27.59 |
| 2023-06-14 | 2023-07-05 | $0.2300 | 3.86% | $23.33 |
| 2023-03-14 | 2023-04-05 | $0.2300 | 2.66% | $33.04 |
| 2022-12-14 | 2023-01-05 | $0.2200 | 2.22% | $38.68 |
| 2022-09-14 | 2022-10-05 | $0.2200 | 2.58% | $32.60 |
| 2022-06-14 | 2022-07-05 | $0.2100 | 2.63% | $31.22 |
| 2022-03-14 | 2022-04-05 | $0.2100 | 2.16% | $36.98 |
| 2021-12-14 | 2022-01-05 | $0.2000 | 2.30% | $33.98 |
| 2021-09-14 | 2021-10-05 | $0.2000 | 2.53% | $30.06 |
| 2021-06-14 | 2021-07-05 | $0.1900 | 2.13% | $34.72 |
| 2021-03-12 | 2021-04-05 | $0.1900 | 2.67% | $34.07 |
| 2020-12-14 | 2021-01-05 | $0.1800 | — | — |
| 2020-09-14 | 2020-10-05 | $0.1800 | — | — |
| 2020-06-12 | 2020-07-06 | $0.1800 | — | — |
| 2020-03-13 | 2020-04-06 | $0.1800 | — | — |
| 2019-12-13 | 2020-01-06 | $0.1800 | — | — |
| 2019-09-12 | 2019-10-05 | $0.1700 | — | — |
| 2019-06-13 | 2019-07-05 | $0.1700 | — | — |
| 2019-03-14 | 2019-04-05 | $0.1600 | — | — |
| 2018-12-13 | 2019-01-07 | $0.1600 | — | — |
| 2018-09-13 | 2018-10-05 | $0.1500 | — | — |
| 2018-06-14 | 2018-07-05 | $0.1500 | — | — |
| 2018-03-14 | 2018-04-05 | $0.1200 | — | — |
| 2017-12-14 | 2018-01-05 | $0.1000 | — | — |
| 2017-09-14 | 2017-10-05 | $0.1000 | — | — |
| 2017-06-13 | 2017-07-05 | $0.0900 | — | — |
| 2017-03-13 | 2017-04-05 | $0.0900 | — | — |
| 2016-12-13 | 2017-01-05 | $0.0800 | — | — |
| 2016-09-13 | 2016-10-05 | $0.0800 | — | — |
| 2016-06-13 | 2016-07-01 | $0.0700 | — | — |
| 2016-03-11 | 2016-04-01 | $0.0700 | — | — |
| 2015-12-11 | 2016-01-04 | $0.0600 | — | — |
| 2015-09-11 | 2015-10-01 | $0.0600 | — | — |
| 2015-06-11 | 2015-07-01 | $0.0500 | — | — |
| 2015-03-11 | 2015-04-01 | $0.0500 | — | — |
| 2014-12-11 | 2015-01-02 | $0.0500 | — | — |
| 2014-09-12 | 2014-10-01 | $0.0300 | — | — |
| 2014-06-12 | 2014-07-01 | $0.0300 | — | — |
| 2008-06-12 | — | $0.4364 | — | — |
| 2008-03-12 | 2008-04-01 | $0.4364 | — | — |
| 2007-12-12 | 2008-01-02 | $0.4364 | — | — |
| 2007-09-12 | 2007-10-01 | $0.4364 | — | — |
| 2007-06-13 | 2007-07-02 | $0.4364 | — | — |
| 2007-03-13 | 2007-04-02 | $0.4364 | — | — |
| 2006-12-13 | 2007-01-02 | $0.3879 | — | — |
| 2006-09-13 | 2006-10-02 | $0.3879 | — | — |
| 2006-06-13 | 2006-07-03 | $0.3879 | — | — |
| 2006-03-13 | 2006-04-03 | $0.3879 | — | — |
| 2005-12-13 | 2006-01-02 | $0.3394 | — | — |
| 2005-09-13 | 2005-10-03 | $0.3394 | — | — |
| 2005-06-13 | 2005-07-01 | $0.3394 | — | — |
| 2005-03-11 | 2005-04-01 | $0.3394 | — | — |
| 2004-12-13 | 2005-01-03 | $0.2909 | — | — |
| 2004-09-13 | 2004-10-01 | $0.2909 | — | — |
| 2004-06-14 | 2004-07-01 | $0.2909 | — | — |
| 2004-03-11 | 2004-04-01 | $0.2909 | — | — |
| 2003-12-11 | 2004-01-02 | $0.2424 | — | — |
| 2003-09-11 | 2003-10-01 | $0.2424 | — | — |
| 2003-06-12 | 2003-07-01 | $0.2424 | — | — |
| 2003-03-12 | 2003-04-01 | $0.2424 | — | — |
| 2002-12-12 | 2003-01-02 | $0.2037 | — | — |
| 2002-09-12 | 2002-10-01 | $0.2037 | — | — |
| 2002-06-12 | 2002-07-01 | $0.2037 | — | — |
| 2002-03-20 | 2002-04-01 | $0.2083 | — | — |
| 2002-03-20 | 2002-04-01 | $0.2083 | — | — |
About United Community Banks, Inc. (UCB) — Dividend Analysis 2026
United Community Banks, Inc. functions as the parent entity for United Community Bank, through which it delivers a comprehensive array of financial solutions. These offerings cater to a diverse clientele, encompassing commercial enterprises, individual consumers, governmental bodies, educational institutions, and entities within the energy, healthcare, and real estate industries. Its core banking activities include accepting various deposit accounts, such as checking, savings, and money market options. The institution extends a broad spectrum of lending products, including real estate, consumer, and commercial loans. These are provided to individuals, small and mid-sized businesses, and non-profit organizations, encompassing both secured and unsecured options, as well as specialized mortgage financing. Furthermore, it originates loans partially backed by government initiatives like the Small Business Administration (SBA) and U.S. Department of Agriculture (USDA) programs. Beyond traditional banking, United Community Banks offers robust wealth management services, covering financial planning, bespoke portfolio management, and expert investment guidance. This is complemented by trust services for fiduciary asset administration, non-deposit investment alternatives, and a suite of insurance products, including life, long-term care, and tax-deferred annuities. The company also strategically invests its own capital in a range of securities, including residential and commercial mortgage-backed securities, asset-backed securities, U.S. Treasury and agency obligations, and municipal bonds. Additionally, the firm provides an extensive suite of supplementary financial tools, such as treasury management, credit and debit card services, diverse payment and commerce solutions, equipment financing, and dedicated investment advisory and brokerage services. It also facilitates reinsurance for property contracts, operates as an insurance agency, and offers specialized services like payment processing, merchant services, wire transfers, and private banking. Established in 1950, United Community Banks, Inc. maintains its corporate headquarters in Blairsville, Georgia.
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🌍 UCB Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold UCB.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 2.73% | -0.07% | $273 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.32% | -0.48% | $232 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 2.18% | -0.62% | $218 / yr |
| 🇬🇧 UK ISA | 0% | 2.73% | -0.07% | $273 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.49% | -0.31% | $249 / yr |
| 🇨🇦 TFSA | 0% | 2.73% | -0.07% | $273 / yr |
| 🇨🇦 CA Taxable | 25% | 2.05% | -0.75% | $205 / yr |
| 🇦🇺 Super (pension) | 15% | 2.32% | -0.48% | $232 / yr |
| 🇦🇺 AU Taxable | 30% | 1.91% | -0.89% | $191 / yr |
| 🇩🇪 DE Taxable | 26.375% | 2.01% | -0.79% | $201 / yr |
| 🇫🇷 FR Taxable | 30% | 1.91% | -0.89% | $191 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 UCB Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $1.01/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 UCB Dividend Payment Schedule
UCB pays quarterly — 4 times per year. Ex-div: 2026-09-15.
📊 UCB vs Financial Services Benchmarks
How UCB compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for UCB sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ UCB Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| A-Award | 2026-09-08 | 12,752 | — | — | ||
| A-Award | 2026-09-01 | 2,932 | — | — | ||
| F-InKind | 2026-08-15 | 514 | $36.74 | $18.9K | ||
| Buy | 2026-08-10 | 2,101 | $35.35 | $74.3K | ||
| A-Award | 2026-08-01 | 1,588 | — | — | ||
| G-Gift | 2026-07-29 | 1,500 | — | — | ||
| Sale | 2026-07-28 | 25,000 | $35.41 | $885.3K | ||
| G-Gift | 2026-07-24 | 2,526 | — | — | ||
| G-Gift | 2026-07-24 | 2,526 | — | — | ||
| G-Gift | 2026-07-24 | 2,526 | — | — |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Peer Group
Similar companies in the same sectorCompare UCB with peers: UCB vs ASB · UCB vs BANF · UCB vs CADE
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the UCB dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
United Community Banks, Inc. (UCB) is currently trading at $36.99, trading near its 52-week high. The current dividend yield is 2.73% based on an annual payout of $1.01 per share.
UCB (United Community Banks, Inc.) — 2.73% Dividend Yield Analysis
United Community Banks, Inc. (UCB) is a financial services stock currently trading at $36.99 with a dividend yield of 2.73%. It pays an annual dividend of $1.01 per share. The payout ratio of 39% suggests the dividend is well-covered by earnings. Over the past 5 years, UCB has grown its dividend at a compound annual rate of 6.2%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.
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