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UCB Stock Chart & Stats
$35.25
-$0.08(-0.23%)
At close: 4:00 PM EDT
$35.25
-$0.08(-0.23%)
Day’s Range― - ―
52-Week Range$28.65 - $37.18
Previous Close$35.17
Volume914.27K
Average Volume (3M)1.07M
Market Cap
$4.29B
Enterprise Value$5.28K
Total Cash (Recent Filing)$4.24B
Total Debt (Recent Filing)$380.60M
Price to Earnings (P/E)11.6
Beta0.97
Next Earnings
Oct 20, 2026EPS Estimate
0.74Next Dividend Ex-DateN/A
Dividend Yield2.81%
Share Statistics
EPS (TTM)3.06
Shares Outstanding120,575,500
10 Day Avg. Volume1,029,023
30 Day Avg. Volume1,072,909
Financial Highlights & Ratios
PEG Ratio0.41
Price to Book (P/B)1.04
Price to Sales (P/S)2.47
P/FCF Ratio9.32
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$39.00Price Target Upside10.64% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)2.9
Revenue Forecast (FY)$1.10B
Bulls Say, Bears Say
Bulls Say
Sustained Margin Expansion And Accelerating Loan GrowthSix consecutive quarters of NIM expansion and faster organic lending indicate improving core banking momentum. Growth in revenue producers supports continued loan generation and can broaden recurring net interest income over the next several quarters.
Strong Capitalization And Resilient Credit QualityHigh capital ratios and low credit losses provide substantial protection against regional-bank stress. This financial capacity supports organic growth, selective acquisitions and shareholder returns while limiting the need for dilutive capital.
Strategic Focus Strengthened By Peach State Merger And Navitas SaleThe merger expands UCB's Southeast presence, while the Navitas divestiture concentrates resources on core relationship banking and improves liquidity. Together, these actions create a stronger platform for focused growth and capital deployment.
Bears Say
Deposit Competition May Pressure Funding CostsHigher deposit pricing would compress the benefit from loan growth and constrain net interest margin expansion. End-of-period deposits also declined, highlighting the need to defend funding relationships as competition remains elevated.
Navitas Divestiture Creates Reinvestment And Earnings Transition RiskThe sale improves strategic focus but removes an earnings contributor and creates a redeployment gap. Until proceeds are invested in loans or securities, lower yields and changing revenue mix may weigh on reported profitability.
Historical Cash-flow Conversion Has Been InconsistentRecent operating and free cash flow are healthy, but significant historical volatility reduces confidence that accounting earnings will consistently convert into cash. That uncertainty can limit flexibility for acquisitions, buybacks and balance-sheet expansion.
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 $28.65 and its highest was $37.18 in the past 12 months.
What is United Community Banks’s market cap?
United Community Banks’s market cap is $4.29B.
When is United Community Banks’s upcoming earnings report date?
United Community Banks’s upcoming earnings report date is Oct 20, 2026 which is in 57 days.
How were United Community Banks’s earnings last quarter?
United Community Banks released its earnings results on Jul 21, 2026. The company reported $0.71 earnings per share for the quarter, missing the consensus estimate of $0.81 by -$0.1.
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 $0.26 which represents an annual dividend yield of 2.81%. See more information on United Community Banks dividends here
What is United Community Banks’s EPS estimate?
United Community Banks’s EPS estimate is 0.74.
How many shares outstanding does United Community Banks have?
United Community Banks has 120,575,500 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 $0.81. Following the earnings report the stock price went down -1.887%.
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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4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$39.00 (10.64% Upside)
$39.00 (10.64% Upside)
Blogger Sentiment
Neutral
UCB Sentiment 50%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 19.9K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $811.0K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.3%
Last 30 Days ▼ 8.5%
Last 30 Days ▼ 8.5%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
15.91%
12-Months-Change
Fundamentals
Return on Equity
2.81%
Trailing 12-Months
Asset Growth
3.44%
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
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed solid underlying operating performance: consistent margin expansion, accelerating organic loan growth driven by a meaningful increase in revenue producers, low credit losses, and stable capital and liquidity. Key negatives were largely transitory or one-time items — notably the California lender license settlement and the Navitas reserve release/sale dynamics — which introduce near-term timing and margin uncertainty but are expected to be offset over time by increased loan production and strategic actions (Peach State integration, expense rationalization, and potential capital deployment). Overall the positive operating momentum and strong credit/capital position outweigh the short-term items.View all UCB earnings summariesUCB Stock 12 Month Forecast
Average Price Target
$39.00
▲(10.64% 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
0.78% Insiders
36.47% Mutual Funds
12.63% Other Institutional Investors
19.68% Public Companies and
Individual Investors