United Community Banks (UCB) Stock Overview
Operates as the bank holding company for United Community Bank that provides financial services in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 1/6 |
| Past Performance | 5/6 |
| Financial Health | 6/6 |
| Dividends | 5/6 |
UCB Community Fair Values
Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.
United Community Banks, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$32.09 |
| 52 Week High | US$36.77 |
| 52 Week Low | US$22.93 |
| Beta | 0.85 |
| 1 Month Change | -0.96% |
| 3 Month Change | 2.04% |
| 1 Year Change | 26.09% |
| 3 Year Change | 15.31% |
| 5 Year Change | -4.27% |
| Change since IPO | -54.53% |
Recent News & Updates
Recent updates
United Community Banks: Set To Break Out
Jan 14United Community Banks (NYSE:UCB) Is Paying Out A Larger Dividend Than Last Year
Aug 18
United Community Banks (NYSE:UCB) Has Affirmed Its Dividend Of $0.24
May 19United Community Banks: A Change In Stance Is Appropriate
Mar 03United Community Banks (NYSE:UCB) Will Pay A Dividend Of $0.24
Feb 28United Community Banks (NYSE:UCB) Has Announced A Dividend Of $0.24
Dec 03United Community Banks (NYSE:UCB) Has Affirmed Its Dividend Of $0.24
Nov 18United Community Banks: Too Rich For My Blood
Nov 12United Community Banks' (NYSE:UCB) Upcoming Dividend Will Be Larger Than Last Year's
Sep 04
Calculated Shifts And Focused Growth Outlook Brighten Bank's Financial Horizon
Focused approach on improving net interest margin and deposit mix enhances profitability and margin sustainability without detailing financial specifics.United Community Banks: Preferred Share Downgrade On Low Yield
Aug 19United Community Banks' (NYSE:UCB) Dividend Will Be Increased To $0.24
Aug 19United Community Banks (NASDAQ:UCBI) Is Due To Pay A Dividend Of $0.23
Feb 29Shareholder Returns
| UCB | US Banks | US Market | |
|---|---|---|---|
| 7D | 2.4% | 1.9% | 1.9% |
| 1Y | 26.1% | 32.1% | 23.7% |
Return vs Industry: UCB exceeded the US Banks industry which returned 20.4% over the past year.
Return vs Market: UCB exceeded the US Market which returned 16.1% over the past year.
Price Volatility
| UCB volatility | |
|---|---|
| UCB Average Weekly Movement | 3.9% |
| Banks Industry Average Movement | 3.8% |
| Market Average Movement | 7.1% |
| 10% most volatile stocks in US Market | 16.4% |
| 10% least volatile stocks in US Market | 3.3% |
Stable Share Price: UCB has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: UCB's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1950 | 3,070 | Herbert Harton | www.ucbi.com |
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.
United Community Banks, Inc. Fundamentals Summary
| UCB fundamental statistics | |
|---|---|
| Market cap | US$3.82b |
| Earnings (TTM) | US$318.18m |
| Revenue (TTM) | US$1.01b |
Is UCB overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| UCB income statement (TTM) | |
|---|---|
| Revenue | US$1.01b |
| Cost of Revenue | US$0 |
| Gross Profit | US$1.01b |
| Other Expenses | US$696.16m |
| Earnings | US$318.18m |
Last Reported Earnings
Dec 31, 2025
Next Earnings Date
Apr 21, 2026
| Earnings per share (EPS) | 2.66 |
| Gross Margin | 100.00% |
| Net Profit Margin | 31.37% |
| Debt/Equity Ratio | 7.1% |
How did UCB perform over the long term?
See historical performance and comparisonDividends
Does UCB pay a reliable dividends?
See UCB dividend history and benchmarks| United Community Banks dividend dates | |
|---|---|
| Ex Dividend Date | Mar 13 2026 |
| Dividend Pay Date | Apr 03 2026 |
| Days until Ex dividend | 21 days |
| Days until Dividend pay date | 0 days |
Does UCB pay a reliable dividends?
See UCB dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/04/02 05:28 |
| End of Day Share Price | 2026/04/02 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
United Community Banks, Inc. is covered by 11 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Christopher Marinac | Brean Capital Historical (Janney Montgomery) |
| Gary Tenner | D.A. Davidson & Co. |
| Taylor Brodarick | Guggenheim Securities, LLC |