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 | 4/6 |
Rewards
Risk Analysis
No risks detected for UCB from our risk checks.
UCB Community Fair Values
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Analyst Price Targets
United Community Banks, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$33.60 |
| 52 Week High | US$36.77 |
| 52 Week Low | US$27.23 |
| Beta | 0.85 |
| 1 Month Change | 1.57% |
| 3 Month Change | -0.21% |
| 1 Year Change | 15.15% |
| 3 Year Change | 43.90% |
| 5 Year Change | -3.23% |
| Change since IPO | -52.39% |
Recent News & Updates
Narrative Update • May 17
UCB: Share Repurchases And Steady Assumptions Will Support Future Upside
Analysts have kept their price target for United Community Banks steady at $38.17, citing updated assumptions on discount rate, revenue growth, profit margin, and future P/E that, in their view, continue to support this valuation level. What's in the News Chief financial officer Jefferson L.Narrative Update • Apr 26
UCB: Completed Buybacks And Stable Assumptions Will Support Future Upside
Analysts have nudged their price target for United Community Banks slightly higher to about $38.17. This reflects small adjustments to fair value assumptions, expected revenue growth, profit margin outlook, and forward P/E estimates.Recent updates
Narrative Update • May 17
UCB: Share Repurchases And Steady Assumptions Will Support Future Upside
Analysts have kept their price target for United Community Banks steady at $38.17, citing updated assumptions on discount rate, revenue growth, profit margin, and future P/E that, in their view, continue to support this valuation level. What's in the News Chief financial officer Jefferson L.Narrative Update • Apr 26
UCB: Completed Buybacks And Stable Assumptions Will Support Future Upside
Analysts have nudged their price target for United Community Banks slightly higher to about $38.17. This reflects small adjustments to fair value assumptions, expected revenue growth, profit margin outlook, and forward P/E estimates.Analysis Article • Apr 23
Earnings Update: United Community Banks, Inc. (NYSE:UCB) Just Reported Its First-Quarter Results And Analysts Are Updating Their Forecasts
Last week saw the newest first-quarter earnings release from United Community Banks, Inc. ( NYSE:UCB ), an important...Seeking Alpha • Apr 21
United Community Banks: Q1 Earnings And New Acquisition Are Not Quite Enough
Summary United Community Banks, Inc. reported Q1 2026 adjusted EPS of $0.70, matching expectations, with modest improvements in net interest margin and asset quality. UCB announced the $100.8M acquisition of Peach State Bancshares, continuing its steady expansion strategy, but the deal is too small to materially shift the investment case. The stock trades at a forward P/E of 11.5 and a 1.48x price/TBV, both slightly above sector averages, while expected growth does not justify a premium valuation. I maintain a Hold rating, as UCB's risk/reward profile and forward catalysts appear balanced, with performance likely to track regional banking peers. Read the full article on Seeking AlphaNarrative Update • Apr 12
UCB: Ongoing Buybacks Will Support Future Upside Under Steady Assumptions
Analysts have raised their price target for United Community Banks to $38.00, up from about $37.33. This change reflects minor updates to assumptions related to revenue growth, profit margins, and future P/E expectations.Narrative Update • Mar 27
UCB: Ongoing Buybacks And Steady Assumptions Will Support Future Upside
Analysts now keep their United Community Banks price target steady at $37.33. They cite only very small refinements to revenue growth, profit margin, and future P/E assumptions that do not materially change their view of the stock's value.Narrative Update • Mar 12
UCB: Ongoing Buybacks And Stable Assumptions Will Support Future Upside
Analysts have maintained their $37.33 price target on United Community Banks, with unchanged assumptions around revenue growth, profit margins, discount rate, and future P/E. This indicates that their valuation view is stable for now.Narrative Update • Feb 26
UCB: Share Repurchases And Slightly Lower Multiple Will Shape Future Returns
Analysts have trimmed their price target on United Community Banks to about $37.33. They link this move mainly to slightly lower assumptions for future profit margins and a reduced forward P/E multiple, while keeping other core inputs broadly in line.Narrative Update • Feb 12
UCB: New Buyback Program And Stable Outlook Will Shape Future Returns
Analysts have slightly increased their fair value estimate for United Community Banks from about $37.17 to $37.40, reflecting updated assumptions around discount rate, revenue growth, profit margin, and future P/E. What's in the News United Community Banks announced a new share repurchase program authorizing up to US$100 million of common stock, with the program running through December 31, 2026 (Key Developments).Narrative Update • Jan 29
UCB: Share Repurchases And Credit Trends Will Shape Future Fair Outlook
Analysts have raised their price target for United Community Banks to about US$37.17 from US$36.00, citing updated assumptions around fair value, discount rate, revenue growth, profit margin and future P/E estimates. What's in the News United Community Banks completed repurchases of 966,587 shares, about 0.8% of its shares, for US$29.84 million between October 1, 2025 and December 31, 2025 under the buyback announced on November 9, 2023 (Key Developments).Narrative Update • Jan 15
UCB: Future Share Repurchases And Credit Trends Will Shape Fair Outlook
Analysts have modestly raised their price target on United Community Banks to about $36.00 per share, citing updated assumptions for revenue growth, profit margins, discount rate, and a higher future P/E multiple. What's in the News The Board of Directors authorized a new share buyback plan on December 8, 2025, indicating approval for further capital return to shareholders over time (Key Developments).Analysis Article • Aug 18
United Community Banks (NYSE:UCB) Is Paying Out A Larger Dividend Than Last Year
United Community Banks, Inc.'s ( NYSE:UCB ) periodic dividend will be increasing on the 3rd of October to $0.25, with...Analysis Article • May 19
United Community Banks (NYSE:UCB) Has Affirmed Its Dividend Of $0.24
United Community Banks, Inc. ( NYSE:UCB ) has announced that it will pay a dividend of $0.24 per share on the 3rd of...Seeking Alpha • Mar 03
United Community Banks: A Change In Stance Is Appropriate
Summary United Community Banks has shown improvement in deposits, loans, and income, leading to an upgrade from 'sell' to a soft 'hold'. The bank's valuation is now more attractive relative to peers, despite not being cheap on an absolute basis. Positive developments include the acquisition of ANB Holdings and the launch of United Community Wealth, enhancing future earnings potential. Despite improvements, asset quality and return on equity remain areas needing attention, warranting a cautious outlook. Read the full article on Seeking AlphaAnalysis Article • Feb 28
United Community Banks (NYSE:UCB) Will Pay A Dividend Of $0.24
United Community Banks, Inc.'s ( NYSE:UCB ) investors are due to receive a payment of $0.24 per share on 4th of April...Analysis Article • Dec 03
United Community Banks (NYSE:UCB) Has Announced A Dividend Of $0.24
The board of United Community Banks, Inc. ( NYSE:UCB ) has announced that it will pay a dividend on the 6th of January...Analysis Article • Nov 18
United Community Banks (NYSE:UCB) Has Affirmed Its Dividend Of $0.24
United Community Banks, Inc. ( NYSE:UCB ) has announced that it will pay a dividend of $0.24 per share on the 6th of...Seeking Alpha • Nov 12
United Community Banks: Too Rich For My Blood
Summary United Community Banks, with a market cap of $3.86 billion, appears overvalued and lacks compelling investment prospects, leading to a 'sell' rating. The company's loan portfolio has grown but recently saw a decline, and its balance sheet shows mixed results in deposits and debt. Non-interest income has decreased significantly, primarily due to securities losses and reduced mortgage loan gains, impacting overall profitability. Despite some positive financial metrics, United Community Banks stock is fairly valued compared to peers, but its asset quality and returns are relatively low. Read the full article on Seeking AlphaAnalysis Article • Sep 04
United Community Banks' (NYSE:UCB) Upcoming Dividend Will Be Larger Than Last Year's
The board of United Community Banks, Inc. ( NYSE:UCB ) has announced that it will be paying its dividend of $0.24 on...
New Narrative • Sep 03
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.Seeking Alpha • Aug 19
United Community Banks: Preferred Share Downgrade On Low Yield
Summary United Community Banks has seen changes in business due to rising interest rates, but net interest income remains strong. Loan and deposit growth have slowed, but external debt dependence remains low. Risks include exposure to non-owner occupied commercial real estate and uninsured deposits. Preferred shares are yielding low compared to peers, hence the downgrade to hold. Read the full article on Seeking AlphaAnalysis Article • Aug 19
United Community Banks' (NYSE:UCB) Dividend Will Be Increased To $0.24
United Community Banks, Inc. ( NYSE:UCB ) has announced that it will be increasing its periodic dividend on the 4th of...Analysis Article • Feb 29
United Community Banks (NASDAQ:UCBI) Is Due To Pay A Dividend Of $0.23
United Community Banks, Inc. ( NASDAQ:UCBI ) has announced that it will pay a dividend of $0.23 per share on the 5th of...Shareholder Returns
| UCB | US Banks | US Market | |
|---|---|---|---|
| 7D | 3.5% | 3.8% | 2.5% |
| 1Y | 15.1% | 20.9% | 26.4% |
Return vs Industry: UCB underperformed the US Banks industry which returned 22.3% over the past year.
Return vs Market: UCB underperformed the US Market which returned 28.7% over the past year.
Price Volatility
| UCB volatility | |
|---|---|
| UCB Average Weekly Movement | 3.8% |
| Banks Industry Average Movement | 3.4% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.5% |
| 10% least volatile stocks in US Market | 3.1% |
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 | 3,118 | 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$3.98b |
| Earnings (TTM) | US$332.49m |
| Revenue (TTM) | US$1.05b |
12.1x
P/E Ratio1.1x
P/B RatioIs UCB overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| UCB income statement (TTM) | |
|---|---|
| Revenue | US$1.05b |
| Cost of Revenue | US$0 |
| Gross Profit | US$1.05b |
| Other Expenses | US$715.25m |
| Earnings | US$332.49m |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 2.78 |
| Gross Margin | 100.00% |
| Net Profit Margin | 31.73% |
| Debt/Equity Ratio | 4.7% |
How did UCB perform over the long term?
See historical performance and comparisonDividends
3.0%
Current Dividend Yield36%
Payout RatioDoes UCB pay a reliable dividends?
See UCB dividend history and benchmarks| United Community Banks dividend dates | |
|---|---|
| Ex Dividend Date | Jun 15 2026 |
| Dividend Pay Date | Jul 03 2026 |
| Days until Ex dividend | 18 days |
| Days until Dividend pay date | 36 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 | 2026/05/26 08:51 |
| End of Day Share Price | 2026/05/26 00:00 |
| Earnings | 2026/03/31 |
| 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 |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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. 4 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 |
|---|---|
| Gary Tenner | D.A. Davidson & Co. |
| null null | D.A. Davidson & Co. |
| Taylor Brodarick | Guggenheim Securities, LLC |