United Community Banks (UCB)
NYSE:UCB
UCB Stock Chart & Stats
$33.46
-$0.19(-0.60%)
At close: 4:00 PM EST
$33.46
-$0.19(-0.60%)
Day’s Range― - ―
52-Week Range$22.93 - $36.77
Previous CloseN/A
Volume69.44K
Average Volume (3M)864.64K
Market Cap
$4.00B
Enterprise Value$4.01B
Total Cash (Recent Filing)$3.95B
Total Debt (Recent Filing)$205.40M
Price to Earnings (P/E)11.6
Beta1.03
Next Earnings
Apr 21, 2026EPS Estimate
0.7Next Dividend Ex-DateN/A
Dividend Yield3.02%
Share Statistics
EPS (TTM)0.71
Shares Outstanding119,613,174
10 Day Avg. Volume647,112
30 Day Avg. Volume864,641
Financial Highlights & Ratios
PEG Ratio0.40
Price to Book (P/B)1.04
Price to Sales (P/S)2.47
P/FCF Ratio9.32
Enterprise Value/Market Cap1.00
Enterprise Value/Revenue2.61
Enterprise Value/Gross Profit3.95
Enterprise Value/Ebitda8.77
Forecast
1Y Price Target
$116.97Price Target Upside249.58% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)2.99
Revenue Forecast (FY)$1.14B
Bulls Say, Bears Say
Bulls Say
Revenue & EPS GrowthSustained top-line and earnings gains across 2025 reflect diversified loan production and fee engines, showing durable demand and improved operating leverage. Consistent revenue expansion supports reinvestment, dividends and buybacks, providing lasting earnings power beyond a single quarter.
Margin & Efficiency ImprovementImproving NIM and a materially better efficiency ratio indicate stronger core profitability and disciplined expense management. These structural margin gains stem from asset repricing and deposit cost control, supporting sustainable return improvements through the rate cycle and operational focus.
Capital & Balance Sheet StrengthAbove‑peer capital metrics and lower leverage create a durable buffer against credit and market stress, enabling continued dividends, buybacks and selective growth. A stronger capital base also supports regulatory flexibility and confidence in the bank's ability to absorb cyclical losses.
Bears Say
Elevated Credit Costs / Charge-offsRecent concentrated commercial charge-offs reveal portfolio sensitivity to specific credits and economic stress. Higher, volatile loss rates can erode earnings and require elevated provisions, making credit performance a persistent profitability risk across the next several quarters.
Modest Deposit Growth & Funding PressureSubdued deposit inflows and end‑period outflows constrain low-cost funding, pushing the loan-to-deposit ratio higher and raising reliance on repricing or higher-cost funding. Structurally slower deposit growth can compress NIM and limit low-cost liquidity over multiple quarters.
Equipment Finance Concentration RiskRapid Navitas growth to near-10% of loans creates concentration and cyclical exposure to equipment finance. Management's intent to sell originations shows balance-sheet trade-offs; reliance on sales dampens long‑term yield retention and can add volatility to loan portfolio composition.
United Community Banks News
UCB FAQ
What was United Community Banks’s price range in the past 12 months?
United Community Banks lowest stock price was $22.93 and its highest was $36.77 in the past 12 months.
What is United Community Banks’s market cap?
United Community Banks’s market cap is $4.00B.
When is United Community Banks’s upcoming earnings report date?
United Community Banks’s upcoming earnings report date is Apr 21, 2026 which is in 11 days.
How were United Community Banks’s earnings last quarter?
United Community Banks released its earnings results on Jan 14, 2026. The company reported $0.71 earnings per share for the quarter, missing the consensus estimate of $0.714 by -$0.004.
Is United Community Banks overvalued?
According to Wall Street analysts United Community Banks’s price is currently Undervalued.
Does United Community Banks pay dividends?
United Community Banks pays a Quarterly dividend of $0.25 which represents an annual dividend yield of 3.02%. See more information on United Community Banks dividends here
What is United Community Banks’s EPS estimate?
United Community Banks’s EPS estimate is 0.7.
How many shares outstanding does United Community Banks have?
United Community Banks has 119,613,174 shares outstanding.
What happened to United Community Banks’s price movement after its last earnings report?
United Community Banks reported an EPS of $0.71 in its last earnings report, missing expectations of $0.714. Following the earnings report the stock price went up 2.803%.
Which hedge fund is a major shareholder of United Community Banks?
Currently, no hedge funds are holding shares in UCB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
United Community Banks Stock Smart Score
Neutral
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Analyst Consensus
Strong Buy
Average Price Target:
$116.97 (249.58% Upside)
$116.97 (249.58% Upside)
Blogger Sentiment
Bullish
UCB Sentiment 100%
Sector Average 66%
Sector Average 66%
Hedge Fund Trend
Decreased
By 35.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $425.7K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▲ 2.9%
Last 30 Days ▼ 9.5%
Last 30 Days ▼ 9.5%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
37.64%
12-Months-Change
Fundamentals
Return on Equity
9.15%
Trailing 12-Months
Asset Growth
1.02%
Trailing 12-Months
Company Description
United Community Banks
United Community Banks, Inc. operates as the financial holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors. It accepts various deposit products, including checking, savings, money market, and other deposit accounts. The company also offers lending services, including real estate, consumer, and commercial loans, to individuals, small businesses, mid-sized commercial businesses, and non-profit organizations, as well as secured and unsecured, and mortgage loans. In addition, it originates loans partially guaranteed by the SBA and USDA loan programs. Further, the company provides wealth management services comprising financial planning, customized portfolio management, and investment advice; trust services to manage fiduciary assets; non-deposit investment products; and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities, as well as invests in residential and commercial mortgage-backed securities, asset-backed securities, the U.S. treasury, the U.S. agency, and municipal obligations. Additionally, it offers reinsurance on a property insurance contract; insurance agency services; treasury management; credit cards; payment and commerce solution, equipment finance, investment advisory, and other related financial services; brokerage services; and payment processing, merchant, wire transfer, private banking, and other related financial services. The company was founded in 1950 and is headquartered in Blairsville, Georgia.
UCB Company Deck
UCB Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a largely positive operating and financial performance: strong revenue and EPS growth, margin expansion, record production milestones across retail, small business and equipment finance, solid capital ratios and constructive capital return actions (buybacks, dividend increase, preferred redemption). Challenges included a higher quarterly charge-off driven by two specific commercial credits, modest deposit growth with some end-of-period outflows, a slight decline in reserve coverage, and elevated operating expenses in the quarter due to health insurance and incentives. Management guidance was constructive (NIM tailwinds, targeted expense growth of 3%–3.5%, intent to be more assertive on buybacks) and they reiterated confidence in credit quality with an expected 20–25 bps loss rate for 2026.View all UCB earnings summariesUCB Stock 12 Month Forecast
Average Price Target
$116.97
▲(249.58% Upside)
Technical Analysis
Associated Banc-Corp
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BancFirst
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Renasant
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Texas Capital Bancshares
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Ownership Overview
0.76% Insiders
34.30% Mutual Funds
11.95% Other Institutional Investors
24.02% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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