Is UNITED COMMUNITY BANKS INC (UCB) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 45.8% | |
| Net Margin | 32.3% | |
| Return on Equity (ROE) | 9.3% | |
| Return on Assets (ROA) | 1.2% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $384M |
| Free Cash Flow | $356M |
| Total Debt | $120M |
| Total Assets | $28.0B |
Price & Trading
| Last Close | $31.35 |
| 50-Day MA | $33.06 |
| 200-Day MA | $31.60 |
| Avg Volume | 898K |
| Beta | 0.9 |
|
52-Week Range
$22.93
| |
About UNITED COMMUNITY BANKS INC (UCB)
United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts. It also provides loans comprising owner occupied and income producing CRE, commercial and industrial, equipment financing, residential mortgage, home equity, manufactured housing, and consumer loans, as well as commercial and residential construction and land. In addition, the company offers private banking, investment management, investment advice, financial planning services, estate and retirement planning, and insurance products; non-deposit investment products and insurance products, such as life insurance, long-term care insurance and tax-deferred annuities; and trust services to manage fiduciary assets. Further, it provides reinsurance on property insurance contracts and payment processing services for commercial and small business customers. The company serves the commercial, retail, government, education, energy, health care, and real estate sectors. United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina.
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Frequently Asked Questions
Is UNITED COMMUNITY BANKS INC (UCB) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), UNITED COMMUNITY BANKS INC is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is UNITED COMMUNITY BANKS INC's debt ratio?
UNITED COMMUNITY BANKS INC's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are UNITED COMMUNITY BANKS INC's key financial metrics?
UNITED COMMUNITY BANKS INC has a market capitalization of $3.7B, trailing P/E ratio of 11.8, and revenue of $1.0B. Return on equity stands at 9.3%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.