United Community Banks (UCB) AI Stock Analysis

• Market Cap: $3.71B
• Dividend Yield: 3.21%
• Average Volume (3M): 667.30K
• Price to Earnings (P/E): 12.1
• Beta (1Y): 1.04
• Revenue Growth: 5.63%
• EPS Growth: 65.11%
• Country: US
• Employees: 2,982
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.75
• Shares Outstanding: 121,556,910
• 10 Day Avg. Volume: 694,131
• 30 Day Avg. Volume: 667,302
• PEG Ratio: 0.47
• Price to Book (P/B): 1.13
• Price to Sales (P/S): 2.61
• P/FCF Ratio: 12.79
• Enterprise Value/Market Cap: 1.02
• Enterprise Value/Revenue: 2.70
• Enterprise Value/Gross Profit: 4.31
• Enterprise Value/Ebitda: 7.57
• 1Y Price Target: $35.00
• Price Target Upside: 14.64% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): 2.67
• Revenue Forecast (FY): $1.06B

• Rating: 77 Outperform
• Price Target: $34.00 ▲(11.37% Upside)

United Community Banks' overall stock score is driven by strong financial performance and positive earnings call outcomes, highlighting robust revenue growth and improved credit metrics. The valuation is attractive with a low P/E ratio and a solid dividend yield. Technical analysis indicates a neutral trend with potential overbought conditions, which slightly tempers the overall score.

United Community Banks Business Overview & Revenue Model

Company Description

United Community Banks (UCB) is a financial institution headquartered in Blairsville, Georgia, providing a wide range of banking services to individuals and businesses across the southeastern United States. Operating primarily through its subsidiary, United Community Bank, the company offers products such as personal and commercial loans, mortgage services, deposit accounts, wealth management, and treasury management services. UCB focuses on delivering personalized banking solutions while maintaining a strong commitment to community engagement and service.

How the Company Makes Money

United Community Banks generates revenue primarily through interest income on loans, which is the largest component of its earnings. The bank provides various types of loans, including residential mortgages, commercial loans, and consumer loans, and earns interest from borrowers over the life of these loans. Additionally, UCB earns non-interest income from fees associated with deposit accounts, wealth management services, and transaction services. Other revenue sources include service charges, investment management fees, and income from mortgage banking activities. Significant partnerships with local businesses and community organizations enhance customer engagement, contributing to deposit growth and loan origination, which further bolster the bank's earnings.

United Community Banks Financial Statement Overview

Summary

United Community Banks demonstrates strong financial health with solid profitability and a stable balance sheet. While revenue has declined in the TTM period, the company maintains strong margins and cash flow growth, indicating resilience. Low leverage and effective equity utilization further enhance its financial position, though attention to revenue growth is necessary.

Income Statement

United Community Banks has shown strong profitability with a consistent gross profit margin above 60% in recent periods. However, the TTM data indicates a revenue decline of 5%, which is a concern. Despite this, the company maintains healthy EBIT and EBITDA margins, reflecting operational efficiency.

Balance Sheet

The balance sheet is robust with a low debt-to-equity ratio of 0.043 in the TTM period, indicating low leverage and financial stability. Return on equity is solid at 8.98%, showcasing effective use of equity to generate profits. The equity ratio is also strong, highlighting a stable financial structure.

Cash Flow

Cash flow analysis reveals a significant 37.54% growth in free cash flow in the TTM period, indicating improved cash generation capabilities. The free cash flow to net income ratio is high, suggesting efficient conversion of profits into cash. However, the operating cash flow to net income ratio is low, which may indicate potential cash flow management issues.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.40B	1.48B	1.29B	928.93M	716.27M	695.60M
Gross Profit	878.32M	879.09M	782.52M	804.22M	724.06M	558.93M
EBITDA	499.96M	363.94M	277.51M	402.70M	345.70M	200.86M
Net Income	317.50M	252.40M	187.54M	277.47M	269.80M	164.09M
Balance Sheet
Total Assets	28.14B	27.72B	27.30B	24.01B	20.95B	17.79B
Cash, Cash Equivalents and Short-Term Investments	4.50B	4.96B	4.33B	4.13B	6.79B	4.83B
Total Debt	155.25M	449.15M	324.82M	1.19B	247.36M	326.96M
Total Liabilities	24.55B	24.29B	24.04B	21.31B	18.72B	15.79B
Stockholders Equity	3.60B	3.43B	3.26B	2.70B	2.22B	2.01B
Cash Flow
Free Cash Flow	439.30M	302.69M	221.49M	564.60M	332.84M	140.22M
Operating Cash Flow	466.65M	349.73M	293.97M	607.31M	359.32M	158.68M
Investing Cash Flow	-597.04M	-991.04M	-163.29M	-2.02B	-1.81B	-1.58B
Financing Cash Flow	3.78M	157.31M	226.34M	-258.78M	2.16B	2.52B

United Community Banks Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 30.53
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UCB, the sentiment is Positive. The current price of 30.53 is above the 20-day moving average (MA) of 29.70, below the 50-day MA of 30.63, and above the 200-day MA of 29.67, indicating a neutral trend. The MACD of -0.17 indicates Negative momentum. The RSI at 54.95 is Neutral, neither overbought nor oversold. The STOCH value of 59.74 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for UCB.

United Community Banks Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UCB	77 Outperform	$3.71B	12.08	9.01%	3.21%	5.63%	65.11%
TCBI	74 Outperform	$4.01B	14.41	8.60%	―	5.19%	3454.95%
RNST	68 Neutral	$3.22B	17.02	4.54%	2.61%	20.26%	-35.00%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IBOC	67 Neutral	$4.21B	10.25	14.31%	2.11%	0.99%	4.94%
ASB	66 Neutral	$4.25B	27.62	3.78%	3.72%	-1.44%	-21.65%
BANF	60 Neutral	$3.68B	15.71	14.11%	1.69%	6.55%	12.94%

United Community Banks Corporate Events

United Community Banks Reports Strong Q3 2025 Earnings

United Community Banks, Inc. is a financial holding company based in Greenville, South Carolina, offering a range of banking, mortgage, and wealth management services across the southeastern United States. The company is recognized for its strong customer satisfaction and trusted banking services.

United Community Banks Reports Strong Q3 Earnings

United Community Banks’ recent earnings call reflected a strong financial performance, marked by significant revenue growth, improved credit metrics, and efficient expense management. Despite these positive developments, the company faces challenges such as increased operating expenses and the ongoing management of its senior care portfolio.

United Community Banks Reports Strong Q3 2025 Results

United Community Banks, Inc. reported strong financial results for the third quarter of 2025, with net income of $91.5 million and a significant increase in diluted earnings per share compared to the previous year. The company achieved a 27% year-over-year revenue growth, driven by solid loan and deposit growth, as well as margin expansion. The return on assets and return on tangible common equity improved significantly, reflecting the company’s operational efficiency and leverage. Additionally, the company increased its quarterly common dividend and maintained strong capital ratios, indicating a positive outlook for stakeholders.

The most recent analyst rating on (UCB) stock is a Buy with a $32.00 price target. To see the full list of analyst forecasts on United Community Banks stock, see the UCB Stock Forecast page.

United Community Banks Announces Preferred Stock Redemption

On August 15, 2025, United Community Banks announced the redemption of all outstanding shares of its 6.875% Series I Non-Cumulative Perpetual Preferred Stock, scheduled for September 15, 2025. This move reflects the company’s active management of its capital structure, involving a cash payment of $25,000 per share, totaling an $88 million aggregate liquidation preference. The redemption will cease all rights of the holders of the Preferred Stock and Depositary Shares, except for receiving the redemption price.

The most recent analyst rating on (UCB) stock is a Buy with a $34.00 price target. To see the full list of analyst forecasts on United Community Banks stock, see the UCB Stock Forecast page.