United Community Banks, Inc. UCB

34.23 0.35 1.03% as of 25 Sep
Market cap
$4.1B
P/E
11.2×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.07
Total sells 2.38
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — 1 —
Sell 1 — — 1 2 — 1 — — 2 — —
Insider Ownership 0.44%

Capital & Financial Ratios

Market Cap 4,090.00
Revenue 1,544.36
Net Income 377.88
Free Cash Flow 361.19
Net Debt 274.13
Current Ratio 0.83
Debt/Equity 0.22
P/E ratio 11.20
P/S ratio 2.67
P/B ratio 1.10
Past 5Y EPS Growth (2.48%)
This Y EPS Growth 10.25%
Next Y EPS Growth 11.88%
Next 5Y EPS Growth 10.46%
in millions of $

Dividends

Payout Ratio 0.36
Annual Dividend Rate 0.92
Annual Dividend Yield 3.51%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 1.01
0.25
0.25
0.26
2025 0.98
0.24
0.24
0.25
0.25
2024 1.18
0.23
0.23
0.48
0.24
2023 0.92
0.23
0.23
0.23
0.23
2022 0.86
0.21
0.21
0.22
0.22
2021 0.78
0.19
0.19
0.20
0.20
2020 1.93
0.28
0.32
0.28
0.18
0.20
0.12
0.18
0.18
0.18
2019 0.68
0.16
0.17
0.17
0.18
2018 0.58
0.12
0.15
0.15
0.16
2017 0.38
0.09
0.09
0.10
0.10
2016 0.30
0.07
0.07
0.08
0.08
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 1,004 520 396 546
Receivables — — — —
Inventory — — — —
Other — — — —
19,235 18,632 19,693 20,365
2023 2024 2025 Q'26
Payables 23,311 23,461 23,798 23,724
ST’ Debt — — — —
Other — — — —
23,626 23,956 24,190 24,486
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 15.91% 16.57% 17.36%
Cash Flow 12.97% 19.34% (14.17%)
Earnings 16.10% 14.84% 5.74%
Book Value 13.58% 12.63% 10.45%

Revenue

Mar Jun Sep Dec Year
’26 378 383 — — —
’25 371 382 397 387 1,537
’24 376 384 357 385 1,502
’23 310 332 355 316 1,313
’22 210 221 246 274 951
’21 186 182 188 181 737
’20 162 164 190 197 714
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 69 131 — — —
’25 99 97 123 65 384
’24 89 105 8 148 350
’23 90 95 87 22 294
’22 200 147 161 99 607
’21 35 128 120 76 359
’20 (11) 26 38 105 159
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 62 121 — — —
’25 94 85 118 60 356
’24 75 87 (2) 143 303
’23 70 74 72 6 221
’22 196 139 152 87 574
’21 32 116 117 72 337
’20 (13) 25 36 93 141
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.69 0.95 — — —
’25 0.58 0.63 0.70 0.70 2.62
’24 0.51 0.54 0.38 0.61 2.04
’23 0.52 0.53 0.39 0.11 1.54
’22 0.43 0.61 0.74 0.74 2.52
’21 0.82 0.78 0.82 0.55 2.97
’20 0.40 0.32 0.52 0.66 1.91
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

2.1
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
15.74 24.47 20.23 21.19 14.95 26.97 27.85 20.37 24.04 22.93

Analyst estimates 2026–2028

Powerpack
Low Price
30.22 30.47 34.18 31.66 31.02 37.24 39.50 35.25 35.38 34.57
High Price
1,916 2,137 2,312 2,309 2,406 2,921 3,046 3,121 2,979 3,070
Employees
0 0 0 0 0 0 0 0 1 1
Revenue/Emp
429 478 593 657 714 737 951 1,313 1,502 1,537
Revenue
94.11% 92.94% 89.66% 87.33% 92.12% 95.96% 93.61% 68.05% 63.37% 69.17%
Gross Margin
163 173 216 239 209 348 356 233 323 422
EBT
38.02% 36.16% 36.41% 36.31% 29.33% 47.21% 37.44% 17.72% 21.50% 27.48%
EBT Margin
101 68 166 186 164 270 277 188 252 328
Net Income
30 27 31 24 (9) (2) 47 45 46 46
Depreciation
5.96 6.53 7.44 8.25 8.58 8.38 8.91 11.16 12.54 12.67
Revenue/Sh
1.40 0.92 2.07 2.31 1.91 2.97 2.52 1.54 2.04 2.62
Earnings/Sh
1.95 2.84 3.39 1.93 1.91 4.09 5.69 2.50 2.92 3.17
Cash Flow/Sh
(0.17) (0.26) (0.14) (0.18) (0.21) (0.25) (0.31) (0.62) (0.39) (0.23)
Capex/Sh
1.77 2.58 3.25 1.75 1.70 3.83 5.38 1.88 2.53 2.94
Free CF/Sh
14.96 17.79 18.30 20.52 24.13 25.27 25.32 27.73 28.65 30.00
Book Value/Sh
72 73 80 80 83 88 107 118 120 121
Shares
21.21 29.80 10.42 13.37 14.97 12.06 13.37 18.82 15.84 11.87
PE Ratio
4.98 4.29 2.88 3.74 3.31 4.29 3.78 2.61 2.58 2.46
PS Ratio
1.98 1.57 1.17 1.50 1.24 1.49 1.38 1.08 1.16 1.04
PB Ratio
6.54 4.94 3.05 3.28 1.52 1.48 4.02 2.10 2.40 2.28
EV/Sales
21.96 12.51 6.99 15.46 7.68 3.23 6.66 12.42 11.91 9.85
EV/FCF
140 208 270 154 159 359 607 294 350 384
Op' Cash Flow
(12) (19) (11) (14) (18) (22) (33) (72) (47) (28)
Capex
128 189 259 140 141 337 574 221 303 356
FCF
(1,587) (1,905) (1,958) (1,695) (2,435) (4,389) (4,425) (4,391) (5,324) (4,498)
Working Cap'
884 625 427 213 327 247 875 325 254 120
Total Debt
667 311 100 (303) (1,282) (2,071) 228 (679) (266) (275)
Net Debt
1,076 1,303 1,458 1,636 2,008 2,222 2,701 3,262 3,432 3,639
Sh' Equity
0.99% 0.59% 1.35% 1.45% 1.04% 1.35% 1.20% 0.70% 0.89% 1.14%
ROA
6.14% 7.23% 8.88% 11.51% 18.64% 149.63% 8.01% 6.29% 6.55% 8.04%
ROIC
9.66% 5.65% 11.95% 11.92% 8.98% 12.94% 11.38% 6.26% 7.51% 9.11%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

United Community Banks, Inc. (UCB) key facts

  • United Community Banks, Inc. (UCB) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
  • United Community Banks, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.5 billion, up 2.30% from fiscal 2024.
  • Net income was $328.1 million, or $2.62 per share (basic), a net margin of 20.7%.
  • As of September 25, 2026, UCB traded at $34.23, a market capitalization of $4.1 billion.
  • At that price the stock trades at 11.2× trailing-twelve-month earnings and 2.7× sales.
  • United Community Banks, Inc. pays an annual dividend of $0.92 per share, a yield of 3.51%, with a payout ratio of 35.6%.
  • Return on equity was 9.11% and debt-to-equity 0.22.

Source: company filings (standardised) and stockrow calculations.

United Community Banks, Inc. (UCB) Latest News

News by impact score

Fine-tune

25 Sep

3

StockStory designates United Community Banks (UCB) as a 'Two Stocks to Sell' pick. UCB shows rolling one-year beta of 0.17, signaling very low volatility for a regional bank. The Southeast lender, offering loans, deposits, wealth management, and merchant services, faces cautious signals: about 8% two-year sales growth; five-year incremental sales with flat EPS; revenue growth not translating into capital generation, with tangible book value per share forecast flat for the next 12 months. At $33.90, UCB trades near 1.1x forward P/B and reportedly fails StockStory’s bar for quality. The piece contrasts with Live Oak Bancshares (LOB) concerns and marks WEX (WEX) as the stock to watch, while promoting free reports and AI picks. Overall, UCB is cast as a low-volatility but structurally challenged pick. Negative stance on fundamentals and a sell call likely dampens near-term sentiment.

9 Sep

4

UCB receives U.S. FDA Breakthrough Therapy Designation for CIMZIA (certolizumab pegol) in pregnant women with antiphospholipid syndrome (APS). FDA Breakthrough Therapy Designation accelerates CIMZIA development and approval timeline while boosting UCB pipeline value.

8 Sep

4

United Community Banks completed strategic initiatives to simplify and strengthen its balance sheet and raised its share repurchase authorization. Balance sheet simplification plus higher buybacks represent major strategic moves that can lift financial stability and investor sentiment.

1 Sep

3

United Community Banks completed the sale of its Navitas Equipment Finance Business to funds managed by Wafra Inc. Divestiture of the equipment finance unit alters UCB financials and operational focus with moderate effect.

26 Aug

4

United Community Banks expanded into international banking, leaving the stock potentially 8% undervalued. International expansion is a major strategic move that could significantly shift company trajectory and investor views.

3 Aug

4

United Community Banks, Inc. completed its merger with Peach State Bancshares, Inc., the parent company of Peach State Bank & Trust. Merger completion adds Peach State Bank & Trust assets and expands United Community Banks regional operations.

22 Jul

3

United Community Banks missed earnings expectations, prompting questions on whether its stock is undervalued. Earnings miss can pressure near-term results and sentiment while valuation debate may limit broader trajectory shifts.

21 Jul

3

United Community Banks Inc (UCB) reported strong EPS growth during its Q2 2026 earnings call. Strong EPS growth directly improves near-term financial results and market valuation for UCB.

3 transcript

United Community Banks, Inc. reported Q2 2026 results on its earnings call, covering financial performance, net interest income, loan growth, credit quality metrics, and management outlook for the remainder of the year. Quarterly earnings data and forward guidance can shift near-term investor views on profitability and valuation.

3 transcript

United Community Banks, Inc. released Q2 earnings call highlights covering financial results, operational updates and forward outlook. Quarterly earnings updates typically affect near-term financial perceptions and trading without altering long-term strategy.

3

United Community Banks missed second-quarter earnings estimates despite higher revenue and loan growth. Mixed earnings results with a miss versus growth metrics create moderate near-term pressure on valuation and sentiment.

3

United Community Banks (UCB) reported Q2 earnings with key financial metrics compared directly to Wall Street estimates. Q2 earnings metric comparisons can shift near-term investor sentiment and stock price but rarely alter long-term company trajectory.

3

United Community Banks (UCB) missed Q2 earnings and revenue estimates. Q2 earnings and revenue miss signals short-term pressure on operations and investor sentiment without indicating structural change.

3

United Community Banks, Inc. reported its second quarter earnings. Quarterly earnings results can move investor sentiment and near-term share price for UCB.

14 Jul

3

United Community Banks (UCB) earnings expected to grow, prompting consideration of whether to buy the stock. Expected earnings growth can moderately influence UCB stock valuation and investor sentiment.

10 Jul

4

United Community Banks, Inc. and Peach State Bancshares, Inc. set an election deadline for Peach State shareholders to choose merger consideration form, with closing expected shortly after. Merger completion expands United Community Banks' footprint and assets via Peach State acquisition.

12 Jun

3

Wafra acquires Navitas Credit Corp, divesting United Community Banks of the subsidiary and its associated credit operations. Divestiture of Navitas Credit Corp alters UCB financials and narrows its operating scope.

3

United Community Banks, Inc. announces agreement to sell Equipment Finance Business, consisting of Navitas Credit Corp. and NLFC Reinsurance Corp., to funds managed by Wafra Inc. Sale of equipment finance unit constitutes strategic divestiture with moderate effects on financials and operations.

28 Apr

4

United Community Banks (UCB) anticipates rising earnings and share buybacks, which will enhance shareholder value, boost earnings per share, and support stock price appreciation for investors. Rising earnings strengthen financial performance while share buybacks signal confidence and directly improve EPS, significantly influencing UCB's trajectory and investor sentiment.

22 Apr

4

UCB's Q1 results highlight robust loan growth, stable deposit trends, and strategic mergers and acquisitions as key drivers. Loan growth, deposit stability, and strategic M&A represent major operational and expansion moves boosting UCB's trajectory.

4

United Community Banks, Inc. (UCB), a South Carolina lender, is expanding its Atlanta-area footprint through a $100.8 million acquisition deal. $100.8M Atlanta acquisition represents a major strategic expansion enhancing UCB's regional presence and growth trajectory.

4

United Community Banks Inc (UCB) reported strong financial performance in Q1 2026 earnings call, highlighting robust results amid positive outlook. Strong Q1 2026 earnings signal major positive shifts in financial health and investor sentiment for UCB.

21 Apr

4

United Community Banks, Inc. (UCB) released Q1 earnings call highlights, detailing financial results, loan growth, deposit trends, net interest margin, and forward guidance amid economic conditions. Q1 earnings highlights directly impact financial performance metrics, investor sentiment, and stock trajectory through reported results and guidance.

4

United Community Banks (NYSE:UCB) Q1 CY2026 sales exceeded analyst estimates. Q1 CY2026 sales beating estimates indicates strong financial results likely to drive positive investor sentiment and stock performance.

4

United Community Banks, Inc. (UCB) and Peach State Bancshares, Inc., parent of Peach State Bank & Trust, announced a definitive merger agreement under which UCB will acquire Peach State Bancshares in an all-stock transaction valued at approximately $178 million, expanding UCB's presence in Georgia with $1.1 billion in assets added. Merger adds $1.1 billion in assets and strengthens UCB's position in Georgia's banking market.

4

United Community Banks, Inc. reported first quarter earnings. Quarterly earnings reports significantly influence stock performance and future market outlook for regional banks.

3

United Community Banks, Inc. released Q1 2026 earnings call summary detailing quarterly financial results, operational highlights, strategic initiatives, and forward guidance. Quarterly earnings summaries offer insights into financial performance and outlook, exerting moderate influence on market sentiment and trajectory.

3

Key metrics from United Community Banks (UCB)'s Q1 earnings offer insights into financial performance, including profitability, efficiency, and growth indicators. Q1 earnings metrics shape assessments of UCB's financial health and short-term market sentiment.

3

United Community Banks (UCB) Q1 earnings and revenues missed analyst estimates. Q1 earnings and revenue misses highlight weaker financial results, moderately impacting investor sentiment and near-term stock performance.

19 Apr

3

Analysts preview United Community Banks (UCB) Q1 earnings, highlighting key metrics like net interest income, loan growth, deposit trends, noninterest income, expenses, credit quality, and forward guidance to watch. Q1 earnings previews influence investor sentiment and expectations around core financial metrics ahead of actual results.

stockrow.com/UCB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com