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United Community Banks, Inc. · NASDAQ
Price: $27.83 · Annual div: $0.92/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in UCBI → $75.0K in 10 years · $689.15/month
United Community Banks, Inc. operates as the financial holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors. The company accepts various deposit products, including checking, savings, money market, and other deposit accounts. It also offers lending services, including real estate, consumer, and commercial loans, to individuals, small businesses, mid-sized commercial businesses, and non-profit organizations, as well as secured and unsecured, and mortgage loans. In addition, the company originate loans partially guaranteed by the SBA and USDA loan programs. Further, it provides wealth management services comprising financial planning, customized portfolio management, and investment advice; trust services to manage fiduciary assets; non-deposit investment products; and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities, as well as invests in residential and commercial mortgage-backed securities, asset-backed securities, the U.S. treasury, the U.S. agency, and municipal obligations. Additionally, the company offers reinsurance on a property insurance contract; insurance agency services; brokerage services; and payment processing, merchant, wire transfer, private banking, and other related financial services. It operates through a network of 171 branches in Florida, Georgia, North Carolina, South Carolina, and Tennessee. United Community Banks, Inc. was founded in 1950 and is headquartered in Blairsville, Georgia.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold UCBI.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 3.31% | 0.51% | $331 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.81% | 0.01% | $281 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 2.65% | -0.15% | $265 / yr |
| 🇬🇧 UK ISA | 0% | 3.31% | 0.51% | $331 / yr |
| 🇬🇧 UK Taxable | 8.75% | 3.02% | 0.22% | $302 / yr |
| 🇨🇦 TFSA | 0% | 3.31% | 0.51% | $331 / yr |
| 🇨🇦 CA Taxable | 25% | 2.48% | -0.32% | $248 / yr |
| 🇦🇺 Super (pension) | 15% | 2.81% | 0.01% | $281 / yr |
| 🇦🇺 AU Taxable | 30% | 2.32% | -0.48% | $232 / yr |
| 🇩🇪 DE Taxable | 26.375% | 2.44% | -0.36% | $244 / yr |
| 🇫🇷 FR Taxable | 30% | 2.32% | -0.48% | $232 / 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.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.92/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
UCBI pays quarterly — 4 times per year. Next ex-div: TBD.
How UCBI compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for UCBI sourced from FMP /financial-growth endpoint — real data, not estimates.
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 | 2024-05-15 | 2,413 | — | — | ||
| A-Award | 2024-05-15 | 2,413 | — | — | ||
| A-Award | 2024-05-15 | 2,413 | — | — | ||
| A-Award | 2024-05-15 | 2,413 | — | — | ||
| A-Award | 2024-05-15 | 2,413 | — | — | ||
| A-Award | 2024-05-15 | 2,413 | — | — | ||
| A-Award | 2024-05-15 | 2,413 | — | — | ||
| A-Award | 2024-05-15 | 2,413 | — | — | ||
| A-Award | 2024-05-15 | 2,413 | — | — | ||
| A-Award | 2024-05-15 | 2,413 | — | — |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
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 UCBI 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 →
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