United Community BanksUCBPI.PFD +0.04%63 OCF Yield % is 8.32 as of Jun. 29, 2026, which is 14% below its 10-year median of 9.67. GuruFocus rates UCBPI.PFD with a GF Score™ of 63/100. The stock has 4 warning signs investors should review. Among 1,505 Banks companies, United Community Banks ranks worse than 54.82% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
United Community Banks OCF Yield % Related Terms
United Community Banks OCF Yield % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
UCBPI.PFD vs CATY, INDB, FBP: OCF Yield % Comparison
For the Banks - Regional subindustry, United Community Banks's OCF Yield %, along with its competitors' market caps and OCF Yield % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
United Community Banks OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, United Community Banks's OCF Yield % distribution charts can be found below:
* The bar in red indicates where United Community Banks's OCF Yield % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
United Community Banks (UCBPI.PFD) has a OCF Yield % of 8.32 as of Jun. 29, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on United Community Banks and its competitors. This is 14% below median its historical median of 9.67. Over the past decade, United Community Banks' OCF Yield % has ranged from 4.45 to 21.43. According to the industry distribution chart, United Community Banks ranks #825 out of 1505 companies in the Banks industry, placing it in the top 54.8%.
Is United Community Banks' OCF Yield % too high?
United Community Banks' current OCF Yield % of 8.32 is 14% below median its 10-year median of 9.67. Over the past 10 years, this metric has ranged from a low of 4.45 to a high of 21.43. The Banks industry median OCF Yield % is 9.32. United Community Banks' value of 8.32 is 10.7% below this industry median. Based on the distribution chart, United Community Banks ranks #825 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, United Community Banks has a GF Score™ of 63/100, reflecting its overall financial health beyond just this single metric.
How does United Community Banks' OCF Yield % compare to CATY and INDB?
According to the Banks industry distribution chart, United Community Banks ranks #825 out of 1505 companies for OCF Yield %. This places United Community Banks in the lower half of its industry. The industry median OCF Yield % is 9.32. United Community Banks' value of 8.32 is 10.7% below this benchmark. Historically, United Community Banks' own OCF Yield % has ranged from 4.45 to 21.43 over the past decade. While the company's 10-year median is 9.67 vs. the industry median of 9.32, United Community Banks has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.32, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Community Banks's current OCF Yield % of 8.32 is 10.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on United Community Banks and its competitors. For the Banks industry, the median OCF Yield % is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Community Banks's current OCF Yield % is 8.32, which is 14% below median its own 10-year median of 9.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Community Banks stock overvalued right now?
United Community Banks (UCBPI.PFD) has a current OCF Yield % of 8.32. The current OCF Yield % is 8.32, which is 14% below median its 10-year median of 9.67 and 10.7% below the Banks industry median of 9.32. United Community Banks' overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For United Community Banks (UCBPI.PFD), the current OCF Yield % is 8.32 as of Jun. 29, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
United Community Banks Inc provides a wide range of financial products and services to the commercial, retail, governmental, educational, energy, health care and real estate sectors. This includes a variety of deposit products, secured and unsecured loans, mortgage loans, payment and commerce solutions, equipment finance services, wealth management, trust services, private banking, investment advisory services, insurance services, and other related financial services. These products and services are delivered through a variety of channels including its branches, other offices, the Internet, and mobile applications. It operates as a locally-focused community bank, supplemented by experienced, centralized support to deliver products and services to its c ustomers.
63GF Score
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