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United Community Banks, Inc. (UCB)

36.91 -0.05 (-0.14%)
As of 12:35:03 PM EST. Market Open.
Trade UCB on Coinbase
Chart Range Bar
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  • Previous Close 36.96
  • Open 36.70
  • Bid 36.87 x 10000
  • Ask 36.90 x 30000
  • Day's Range 36.70 - 37.15
  • 52 Week Range 28.82 - 38.63
  • Volume 154,124
  • Avg. Volume 917,507
  • Market Cap (intraday) 4.414B
  • Beta (5Y Monthly) 0.87
  • PE Ratio (TTM) 31.02
  • EPS (TTM) 1.19
  • Earnings Date (est.) Jan 13, 2027
  • Forward Dividend & Yield 1.04 (2.81%)
  • 1y Target Est 40.88
  • Motley Fool Rating Bullish

United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts. It also provides loans comprising owner occupied and income producing CRE, commercial and industrial, equipment financing, residential mortgage, home equity, manufactured housing, and consumer loans, as well as commercial and residential construction and land. In addition, the company offers private banking, investment management, investment advice, financial planning services, estate and retirement planning, and insurance products; non-deposit investment products and insurance products, such as life insurance, long-term care insurance and tax-deferred annuities; and trust services to manage fiduciary assets. Further, it provides reinsurance on property insurance contracts and payment processing services for commercial and small business customers. The company serves the commercial, retail, government, education, energy, health care, and real estate sectors. United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina.

www.ucbi.com

3,070

Full Time Employees

December 31

Fiscal Year Ends

Banks - Regional

Industry

Recent News

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Performance Overview

Trailing total returns as of 11/6/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC) .

YTD Return

UCB
20.97%
S&P 500 (^GSPC)
8.24%

1-Year Return

UCB
29.06%
S&P 500 (^GSPC)
10.26%

3-Year Return

UCB
72.49%
S&P 500 (^GSPC)
69.71%

5-Year Return

UCB
17.38%
S&P 500 (^GSPC)
57.73%

Earnings Trends

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Earnings Per Share

GAAP
Normalized
GAAP
Normalized

Revenue vs. Earnings

Annual
Quarterly
Annual
Quarterly
Q3 FY26
Revenue 293.23M
Earnings -139.99M
Profit Margin -47.74%

Q4

FY25

Q1

FY26

Q2

FY26

Q3

FY26

-100M
0
100M
200M
-40.0%
-20.0%
0.0%
20.0%
40.0%

Analyst Insights

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Analyst Price Targets

38.00
40.88 Average
36.91 Current
43.00 High

Analyst Recommendations

  • Strong Buy
  • Buy
  • Hold
  • Underperform
  • Sell

Latest Rating

Date 10/21/2026
Analyst Stephens & Co.
Rating Action Maintains
Rating Overweight
Price Action Raises
Price Target 41 -> 42

Statistics

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Valuation Measures

Annual
  • Market Cap

  • Enterprise Value

  • Trailing P/E

  • Forward P/E

  • PEG Ratio (current)

  • Price/Sales (ttm)

  • Price/Book (mrq)

  • Enterprise Value/Revenue

  • Enterprise Value/EBITDA

Financial Highlights

Profitability and Income Statement

  • Profit Margin

    17.94%

  • Return on Assets (ttm)

    0.51%

  • Return on Equity (ttm)

    4.13%

  • Revenue (ttm)

    817.49M

  • Net Income Avi to Common (ttm)

    145.44M

  • Diluted EPS (ttm)

    1.19

Balance Sheet and Cash Flow

  • Total Cash (mrq)

    875.36M

  • Total Debt/Equity (mrq)

    --

  • Levered Free Cash Flow (ttm)

    --

Company Insights

Research Reports

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