United Community Banks, Inc. UCB
- Market cap
- $4.1B
- P/E
- 11.2×
Follow UCB
Target Price Range
Analyst price targets
Free account| 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
|
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| 30.22 | 30.47 | 34.18 | 31.66 | 31.02 | 37.24 | 39.50 | 35.25 | 35.38 | 34.57 |
High Price
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| 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
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| 94.11% | 92.94% | 89.66% | 87.33% | 92.12% | 95.96% | 93.61% | 68.05% | 63.37% | 69.17% |
Gross Margin
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| 163 | 173 | 216 | 239 | 209 | 348 | 356 | 233 | 323 | 422 |
EBT
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| 38.02% | 36.16% | 36.41% | 36.31% | 29.33% | 47.21% | 37.44% | 17.72% | 21.50% | 27.48% |
EBT Margin
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| 101 | 68 | 166 | 186 | 164 | 270 | 277 | 188 | 252 | 328 |
Net Income
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| 30 | 27 | 31 | 24 | (9) | (2) | 47 | 45 | 46 | 46 |
Depreciation
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| 5.96 | 6.53 | 7.44 | 8.25 | 8.58 | 8.38 | 8.91 | 11.16 | 12.54 | 12.67 |
Revenue/Sh
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| 1.40 | 0.92 | 2.07 | 2.31 | 1.91 | 2.97 | 2.52 | 1.54 | 2.04 | 2.62 |
Earnings/Sh
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| 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
|
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| 1.77 | 2.58 | 3.25 | 1.75 | 1.70 | 3.83 | 5.38 | 1.88 | 2.53 | 2.94 |
Free CF/Sh
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| 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
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| 4.98 | 4.29 | 2.88 | 3.74 | 3.31 | 4.29 | 3.78 | 2.61 | 2.58 | 2.46 |
PS Ratio
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| 1.98 | 1.57 | 1.17 | 1.50 | 1.24 | 1.49 | 1.38 | 1.08 | 1.16 | 1.04 |
PB Ratio
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| 6.54 | 4.94 | 3.05 | 3.28 | 1.52 | 1.48 | 4.02 | 2.10 | 2.40 | 2.28 |
EV/Sales
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| 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
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| (1,587) | (1,905) | (1,958) | (1,695) | (2,435) | (4,389) | (4,425) | (4,391) | (5,324) | (4,498) |
Working Cap'
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| 884 | 625 | 427 | 213 | 327 | 247 | 875 | 325 | 254 | 120 |
Total Debt
|
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| 667 | 311 | 100 | (303) | (1,282) | (2,071) | 228 | (679) | (266) | (275) |
Net Debt
|
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| 1,076 | 1,303 | 1,458 | 1,636 | 2,008 | 2,222 | 2,701 | 3,262 | 3,432 | 3,639 |
Sh' Equity
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| 0.99% | 0.59% | 1.35% | 1.45% | 1.04% | 1.35% | 1.20% | 0.70% | 0.89% | 1.14% |
ROA
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| 6.14% | 7.23% | 8.88% | 11.51% | 18.64% | 149.63% | 8.01% | 6.29% | 6.55% | 8.04% |
ROIC
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| 9.66% | 5.65% | 11.95% | 11.92% | 8.98% | 12.94% | 11.38% | 6.26% | 7.51% | 9.11% |
ROE
|
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United Community Banks, Inc. peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| FBP First BanCorp. | $4.1B | 11.3× | Compare |
| CATY Cathay General Bancorp | $4.1B | 11.9× | Compare |
| TCBI Texas Capital Bancshares, Inc. | $4.1B | 12.3× | Compare |
| WSFS WSFS Financial Corporation | $4.0B | 13.0× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| CVBF CVB Financial Corporation | $3.9B | 15.5× | Compare |
| IBOC International Bancshares Corporation | $4.3B | 10.5× | Compare |
| FULT Fulton Financial Corporation | $4.4B | 11.1× | Compare |
| INDB Independent Bank Corp. | $3.8B | 14.7× | Compare |
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.
United Community Banks, Inc. (UCB) Latest News
25 Sep
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
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
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
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
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
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
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
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.
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.
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.
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.
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.
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.
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
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
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
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.
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
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
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.
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.
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
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.
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.
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.
United Community Banks, Inc. reported first quarter earnings. Quarterly earnings reports significantly influence stock performance and future market outlook for regional banks.
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.
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.
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
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.