United Community Banks (UCB)
NYSE:UCB
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UCB Stock Chart & Stats
$34.15
-$0.19(-0.60%)
At close: 4:00 PM EST
$34.15
-$0.19(-0.60%)
Day’s Range― - ―
52-Week Range$27.23 - $36.77
Previous CloseN/A
Volume69.44K
Average Volume (3M)751.18K
Market Cap
$4.15B
Enterprise Value$3.89B
Total Cash (Recent Filing)$3.75B
Total Debt (Recent Filing)$120.50M
Price to Earnings (P/E)12.2
Beta1.02
Next Earnings
Jul 21, 2026EPS Estimate
0.73Next Dividend Ex-DateN/A
Dividend Yield3.02%
Share Statistics
EPS (TTM)2.74
Shares Outstanding119,759,410
10 Day Avg. Volume1,031,562
30 Day Avg. Volume751,178
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 Cap0.94
Enterprise Value/Revenue2.51
Enterprise Value/Gross Profit3.69
Enterprise Value/Ebitda7.87
Forecast
1Y Price Target
$39.00Price Target Upside14.20% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)2.99
Revenue Forecast (FY)$1.14B
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetExtremely low leverage and robust capital ratios provide durable loss-absorption and strategic optionality. With CET1 and tangible equity levels well above minimums, United can pursue buybacks, M&A, or securities deployment without jeopardizing solvency, reducing tail risk across cycles.
NIM Expansion And Loan GrowthSustained net interest margin expansion alongside steady loan origination points to a durable net interest income runway. Back-book repricing and ~5–6% loan growth guidance should continue supporting NII and earnings, lessening reliance on volatile noninterest sources over the medium term.
Navitas Divestiture Boosts CapitalSelling Navitas materially strengthens liquidity and regulatory capital while removing a disproportionate source of charge-offs. The $1.9B proceeds enable lower-risk asset deployment, faster capital returns, and a cleaner core-bank credit profile, improving franchise stability and capital flexibility.
Bears Say
Lower Allowance CoverageReserve coverage tick-down amid loan growth leaves less cushion against credit deterioration. If delinquencies or charge-offs reaccelerate, management may need larger provisions that compress earnings and free cash, making profitability more cyclical and limiting near-term capital deployment.
Deposit CompetitionPersistent deposit competition can raise funding costs and increase deposit betas, pressuring net interest margin over time. For a regional bank reliant on deposit funding, sustained higher deposit pricing would erode the core spread advantage and require either higher loan yields or cost cuts.
Cash-flow VariabilityAlthough FCF remains positive, recent negative growth and a reported 0.0 operating cash flow coverage metric signal uneven cash conversion. This variability can complicate steady capital returns, M&A funding and scheduling of buybacks/dividends, reducing predictability of shareholder distributions.
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 $27.23 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 $4.15B.
When is United Community Banks’s upcoming earnings report date?
United Community Banks’s upcoming earnings report date is Jul 21, 2026 which is in 36 days.
How were United Community Banks’s earnings last quarter?
United Community Banks released its earnings results on Apr 21, 2026. The company reported $0.7 earnings per share for the quarter, the consensus estimate of $0.7 by $0.
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 0.73.
How many shares outstanding does United Community Banks have?
United Community Banks has 119,759,410 shares outstanding.
What happened to United Community Banks’s price movement after its last earnings report?
United Community Banks reported an EPS of $0.7 in its last earnings report, expectations of $0.7. Following the earnings report the stock price went down -3.294%.
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
Outperform
1
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10
Analyst Consensus
Strong Buy
Average Price Target:
$39.00 (14.20% Upside)
$39.00 (14.20% Upside)
Blogger Sentiment
Bullish
UCB Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 169.0K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Negative
Last 7 Days ▼ 1.1%
Last 30 Days ▼ 0.7%
Last 30 Days ▼ 0.7%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
22.84%
12-Months-Change
Fundamentals
Return on Equity
9.41%
Trailing 12-Months
Asset Growth
1.09%
Trailing 12-Months
Company Description
United Community Banks
United Community Banks, Inc. functions as the parent entity for United Community Bank, through which it delivers a comprehensive array of financial solutions. These offerings cater to a diverse clientele, encompassing commercial enterprises, individual consumers, governmental bodies, educational institutions, and entities within the energy, healthcare, and real estate industries. Its core banking activities include accepting various deposit accounts, such as checking, savings, and money market options. The institution extends a broad spectrum of lending products, including real estate, consumer, and commercial loans. These are provided to individuals, small and mid-sized businesses, and non-profit organizations, encompassing both secured and unsecured options, as well as specialized mortgage financing. Furthermore, it originates loans partially backed by government initiatives like the Small Business Administration (SBA) and U.S. Department of Agriculture (USDA) programs. Beyond traditional banking, United Community Banks offers robust wealth management services, covering financial planning, bespoke portfolio management, and expert investment guidance. This is complemented by trust services for fiduciary asset administration, non-deposit investment alternatives, and a suite of insurance products, including life, long-term care, and tax-deferred annuities. The company also strategically invests its own capital in a range of securities, including residential and commercial mortgage-backed securities, asset-backed securities, U.S. Treasury and agency obligations, and municipal bonds. Additionally, the firm provides an extensive suite of supplementary financial tools, such as treasury management, credit and debit card services, diverse payment and commerce solutions, equipment financing, and dedicated investment advisory and brokerage services. It also facilitates reinsurance for property contracts, operates as an insurance agency, and offers specialized services like payment processing, merchant services, wire transfers, and private banking. Established in 1950, United Community Banks, Inc. maintains its corporate headquarters in Blairsville, Georgia.
UCB Company Deck
UCB Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a largely positive operational and financial picture: solid earnings growth (operating EPS +19% YoY), continued loan growth (4.5% annualized), consecutive margin expansion (NIM +29 bps YoY), strong credit metrics, active capital returns (dividend and buybacks), and a strategically attractive, accretive in-market acquisition. Lowlights were mostly manageable one-time or cyclical items — nonoperating charges, slight decline in allowance coverage, seasonal swings in noninterest income, modest NPA/charge-off fluctuations, and near-term expense additions for hiring — none of which materially undermined the quarter’s momentum.View all UCB earnings summariesUCB Stock 12 Month Forecast
Average Price Target
$39.00
▲(14.20% Upside)
Technical Analysis
Associated Banc-Corp
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BancFirst
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International Bancshares
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Renasant
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Texas Capital Bancshares
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Ownership Overview
0.81% Insiders
36.45% Mutual Funds
12.27% Other Institutional Investors
20.95% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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