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United Community Banks, Inc. · NASDAQ
Price: $23.88 · Annual div: $1.72/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 UCBIO → $161.1K in 10 years · $2,852.13/month
United Community Banks, Inc. functions as a financial holding company, with its primary operations conducted through United Community Bank. This entity delivers a broad spectrum of financial solutions and offerings to diverse client bases, including commercial enterprises, retail customers, governmental bodies, educational institutions, and key sectors such as energy, healthcare, and real estate. The company provides a variety of deposit accounts, encompassing checking, savings, and money market options. Its lending portfolio is extensive, offering real estate, consumer, and commercial loans to individuals, small and mid-sized businesses, and non-profit organizations. These loans include secured, unsecured, and mortgage financing. Furthermore, United Community Banks originates loans that are partially backed by the SBA and USDA programs. Beyond traditional banking, the company offers comprehensive wealth management services, including financial planning, personalized portfolio management, and investment advisory. It also provides trust services for the management of fiduciary assets, alongside non-deposit investment products. Insurance offerings include life, long-term care, and tax-deferred annuities. The company actively invests in various securities, such as residential and commercial mortgage-backed securities, asset-backed securities, U.S. Treasury and agency obligations, and municipal bonds. Additional services provided cover reinsurance for property insurance contracts, insurance agency and brokerage operations, payment processing, merchant services, wire transfers, private banking, and other related financial solutions. Established in 1950 and headquartered in Blairsville, Georgia, United Community Banks, Inc. operates a network of 171 branches spread across Florida, Georgia, North Carolina, South Carolina, and Tennessee.
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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Ready to invest? Open UCBIO position with:
Real after-tax yield depends on where you live and how you hold UCBIO.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 7.20% | 4.40% | $720 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 6.12% | 3.32% | $612 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 5.76% | 2.96% | $576 / yr |
| 🇬🇧 UK ISA | 0% | 7.20% | 4.40% | $720 / yr |
| 🇬🇧 UK Taxable | 8.75% | 6.57% | 3.77% | $657 / yr |
| 🇨🇦 TFSA | 0% | 7.20% | 4.40% | $720 / yr |
| 🇨🇦 CA Taxable | 25% | 5.40% | 2.60% | $540 / yr |
| 🇦🇺 Super (pension) | 15% | 6.12% | 3.32% | $612 / yr |
| 🇦🇺 AU Taxable | 30% | 5.04% | 2.24% | $504 / yr |
| 🇩🇪 DE Taxable | 26.375% | 5.30% | 2.50% | $530 / yr |
| 🇫🇷 FR Taxable | 30% | 5.04% | 2.24% | $504 / 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 $1.72/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
UCBIO pays quarterly — 4 times per year. Next ex-div: TBD.
How UCBIO compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for UCBIO 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 | 2024-01-04 | 2,277 | — | — | ||
| A-Award | 2024-01-04 | 2,557 | — | — | ||
| A-Award | 2024-01-04 | 2,627 | — | — | ||
| A-Award | 2024-01-04 | 4,886 | — | — | ||
| A-Award | 2024-01-04 | 6,655 | — | — | ||
| A-Award | 2024-01-04 | 7,426 | — | — | ||
| A-Award | 2024-01-04 | 8,757 | — | — | ||
| A-Award | 2024-01-04 | 30,305 | — | — | ||
| A-Award | 2023-12-01 | 1,033 | — | — | ||
| G-Gift | 2023-11-29 | 686 | — | — |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
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 UCBIO 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. (UCBIO) is currently trading at $23.88, 16% below its 52-week high. The current dividend yield is 7.20% based on an annual payout of $1.72 per share.
United Community Banks, Inc. (UCBIO) is a financial services stock currently trading at $23.88 with a dividend yield of 7.20%. The company pays an annual dividend of $1.72 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, UCBIO has grown its dividend at a compound annual rate of 30.1%.
Auto-generated from live market data. For educational purposes only — not financial advice.
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