United Community Banks (UCB)
NYSE:UCB
Want to see UCB full AI Analyst Report?
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)886.18K
Market Cap
$3.99B
Enterprise Value$3.91B
Total Cash (Recent Filing)$3.95B
Total Debt (Recent Filing)$205.40M
Price to Earnings (P/E)11.3
Beta1.04
Next Earnings
Jul 21, 2026EPS Estimate
0.73Next Dividend Ex-DateN/A
Dividend Yield3.02%
Share Statistics
EPS (TTM)0.70
Shares Outstanding119,684,030
10 Day Avg. Volume971,510
30 Day Avg. Volume886,176
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 Cap0.98
Enterprise Value/Revenue2.54
Enterprise Value/Gross Profit3.86
Enterprise Value/Ebitda8.57
Forecast
1Y Price Target
$38.75Price Target Upside13.47% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)2.97
Revenue Forecast (FY)$1.14B
Bulls Say, Bears Say
Bulls Say
Balance-sheet StrengthUnited’s capital ratios and conservative leverage create lasting financial flexibility. Higher equity and CET1 (13.4%) provide room for organic growth, buybacks, and a planned subordinated debt redemption while cushioning losses in stress scenarios, supporting strategic actions over the next 2–6 months.
NIM Expansion From Asset RepricingSustained net interest margin expansion driven by back‑book repricing and maturing securities enhances durable net interest income. The upcoming high‑coupon asset resets and loan growth guidance (5–6% annualized) underpin midterm margin and earnings stability even if funding costs remain competitive.
Accretive In-market M&AA small, in‑market acquisition that targets meaningful cost saves and modest asset growth strengthens local franchise and revenue synergies. The transaction is structured to be accretive and low‑risk, expanding market share in a growth region while preserving capital and improving long‑term efficiency.
Bears Say
Profitability Below Prior PeaksAlthough recent earnings and margins improved, operating profitability has not returned to pre‑cycle peaks. This suggests earnings power is still sensitive to rate and credit cycles, meaning medium‑term ROE and margin recovery depend on sustained favorable interest and credit conditions.
Lower Allowance CoverageA modest decline in allowance coverage versus rising loans reduces a cushion against future credit deterioration. If loan growth accelerates or charge‑offs rise, rebuilding reserves could pressure earnings and capital, making credit monitoring and provisioning a key medium‑term risk.
Deposit Competition And Expense RampSustained deposit competition keeps funding costs from falling meaningfully, constraining net interest income upside. Simultaneously, planned producer hires and related expense ramp will pressure efficiency ratios until new originators fully ramp, limiting near‑term margin conversion.
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 $3.99B.
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 80 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 119,684,030 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
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$38.75 (13.47% Upside)
$38.75 (13.47% Upside)
Blogger Sentiment
Bullish
UCB Sentiment 80%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 35.1K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Positive
Last 7 Days ▼ 4.0%
Last 30 Days ▲ 19.5%
Last 30 Days ▲ 19.5%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
42.25%
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. 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
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
$38.75
▲(13.47% Upside)
Technical Analysis
Associated Banc-Corp
―
BancFirst
―
International Bancshares
―
Renasant
―
Texas Capital Bancshares
―
Ownership Overview
0.76% Insiders
36.23% Mutual Funds
1.65% Other Institutional Investors
32.26% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---