UCB

United Community Banks Inc

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Advanced Chart

29.910

-0.59(-1.934%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

30.120

Open

29.960

VWAP

29.85

Vol

828.40K

Mkt Cap

3.63B

Low

29.290

Amount

24.72M

EV/EBITDA(TTM)

10.16

Total Shares

121.43M

3.75B

EV/OCF(TTM)

P/S(TTM)

3.87

United Community Banks, Inc. is the financial holding company for United Community (the Bank). The Bank offers a full range of banking, mortgage and wealth management services. The Bank operates approximately 201 offices across Alabama, Florida, Georgia, North Carolina, South Carolina, Miami and Tennessee. The Company also manages a national SBA lending franchise and a national equipment finance subsidiary, extending its reach to businesses across the country. It provides a range of financial products and services to the commercial, retail, governmental, educational, energy, healthcare and real estate sectors. This includes a variety of deposit products, secured and unsecured loans, mortgage loans, payment and commerce solutions, equipment finance services, wealth management, trust services, private banking, investment advisory services, insurance services, and other related financial services. These products and services are delivered through a variety of channels.

3 Analyst Rating

8.66% Upside

Wall Street analysts forecast UCB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for UCB is 32.50 USD with a low forecast of 32.00 USD and a high forecast of 33.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

1 Buy

2 Hold

0 Sell

Moderate Buy

8.66% Upside

Current: 29.910

Low

32.00

Averages

32.50

High

33.00

8.66% Upside

Current: 29.910

Low

32.00

Averages

32.50

High

33.00

Keefe Bruyette

Market Perform

maintain

$32 -> $34

2025-07-28

New

Reason

Keefe Bruyette

Price Target

$32 -> $34

2025-07-28

New

maintain

Market Perform

Reason

Keefe Bruyette raised the firm's price target on United Community Banks to $34 from $32 and keeps a Market Perform rating on the shares.

DA Davidson

Buy

maintain

$34 -> $36

2025-07-24

Reason

DA Davidson

Price Target

$34 -> $36

2025-07-24

maintain

Buy

Reason

DA Davidson raised the firm's price target on United Community Banks to $36 from $34 and keeps a Buy rating on the shares. United Community Banks is well-positioned to grow top line and total revenue, and EPS, through 2025 and 2026 as near-term net interest margin should expand, while the company's underlying markets are supportive of loan generation, the analyst tells investors in a research note.

Raymond James

Michael Rose

Outperform -> Market Perform

downgrade

2025-07-08

Reason

Raymond James

Michael Rose

Price Target

2025-07-08

downgrade

Outperform -> Market Perform

Reason

Raymond James analyst Michael Rose downgraded United Community Banks to Market Perform from Outperform without a price target. After meeting with management, the firm believes United Community s less likely to pursue further acquisitions in the near-term. This limits the bank's ability to improve its "below-peer" profitability and will result in the shares continuing to trade at a discount to peers, the analyst tells investors in a research note.

Stephens & Co.

Russell Gunther

Buy

Reiterates

$36

2025-04-23

Reason

Stephens & Co.

Russell Gunther

Price Target

$36

2025-04-23

Reiterates

Buy

Reason

Hovde Group

David Bishop

Hold

Maintains

$36 → $32

2025-03-20

Reason

Hovde Group

David Bishop

Price Target

$36 → $32

2025-03-20

Maintains

Hold

Reason

Hovde Group lowered the firm's price target on United Community Banks to $32 from $36 and keeps a Market Perform rating on the shares.

Piper Sandler

Stephen Scouten

Hold

Maintains

$32 → $35

2025-01-23

Reason

Piper Sandler

Stephen Scouten

Price Target

$32 → $35

2025-01-23

Maintains

Hold

Reason

Piper Sandler raised the firm's price target on United Community Banks to $35 from $32 and keeps a Neutral rating on the shares. The firm thinks that additional upside to our estimates would most likely come on a higher-than-expected net interest margin on the path of CD re-pricings and the impact of even faster potential loan growth. Piper is staying on the sidelines as it sees the price to earnings multiple as a bit ahead of peers currently.

See All Ratings

Valuation Metrics

The current forward P/E ratio for United Community Banks Inc (UCB.N) is 11.11, compared to its 5-year average forward P/E of 12.01. For a more detailed relative valuation and DCF analysis to assess United Community Banks Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Fair

5Y Average PE

12.01

Current PE

11.11

Overvalued PE

13.51

Undervalued PE

10.51

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Fair

5Y Average PS

3.50

Current PS

3.48

Overvalued PS

3.99

Undervalued PS

3.00