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UCB Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

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High
33.830
Open
33.270
VWAP
33.57
Vol
748.94K
Mkt Cap
4.02B
Low
33.270
Amount
25.14M
EV/EBITDA(TTM)
8.57
Total Shares
119.69M
EV
3.92B
EV/OCF(TTM)
16.09
P/S(TTM)
3.79
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 200 offices across Alabama, Florida, Georgia, North Carolina, South Carolina and Tennessee. It 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.
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Events Timeline

(ET)
2026-04-28
08:50:00
United Community Bank CFO Harralson Retires
select
2026-04-21 (ET)
2026-04-21
07:50:00
United Community Banks Acquires Peach State Bancshares for $100.8 Million
select
2026-04-21
07:40:00
United Bank Reports Q1 Revenue of $276.5M
select

News

Yahoo Finance
6.5
05-20Yahoo Finance
Investment Risk Analysis of United Community Banks
  • Weak Revenue Growth: United Community Banks has reported a mediocre annualized revenue growth of 9.5% over the past five years, which falls short of the banking sector benchmark, indicating potential challenges in sustaining future profitability.
  • Slow EPS Growth: The bank's earnings per share (EPS) have only grown at a compounded annual growth rate of 3.5% over the last five years, which is lower than its revenue growth, suggesting a decline in profitability per share as the company expanded, raising concerns for investors.
  • Limited TBVPS Growth: Consensus estimates project that United Community Banks' tangible book value per share (TBVPS) will grow by a mere 8% to $24.27 over the next 12 months, a growth rate deemed insufficient to attract investors looking for robust returns.
  • Cautious Investment Recommendation: While the bank's current valuation at $32.06 per share is considered fair, the limited upside compared to potential downside risks suggests that investors may prefer to seek more attractive investment opportunities elsewhere.
seekingalpha
8.0
05-15seekingalpha
United Community Banks Declares Quarterly Dividend of $0.25
  • Quarterly Dividend Declaration: United Community Banks has declared a quarterly dividend of $0.25 per share, consistent with previous distributions, indicating the company's stable cash flow and shareholder return strategy, which is expected to bolster investor confidence.
  • Dividend Yield: The forward yield of 3.06% reflects the company's attractiveness in the current market environment, potentially drawing in more investors seeking stable income.
  • Payment Schedule: The dividend will be payable on July 3, with a record date of June 15 and an ex-dividend date also on June 15, ensuring shareholders receive timely returns and further solidifying shareholder relations.
  • Future Outlook: United Community Banks anticipates a 3-5 basis point expansion in net interest margin for Q2 while outlining a 40% cost savings in the Peach State deal, demonstrating proactive measures in business expansion and profitability enhancement.
NASDAQ.COM
8.5
05-04NASDAQ.COM
United Community Banks Acquires Candel Therapeutics for $2.2 Billion
  • Acquisition Scale: United Community Banks has agreed to acquire Candel Therapeutics for up to $2.2 billion, with $2 billion paid upfront and an additional $200 million contingent on future milestones, aimed at strengthening its pipeline for immune-related disease treatments.
  • Expected Timeline: The deal is anticipated to close between late Q2 and early Q3 of 2026, reflecting UCB's confidence and strategic positioning in the future biologics sector.
  • Manageable Financial Impact: UCB stated that the financial impact of the acquisition will be manageable, with its 2026 outlook remaining unchanged, projecting steady revenue and profit growth, indicating a positive outlook for future development.
  • Candel's Drug Progress: Candel's main drug, cizutamig, is currently undergoing several Phase 1 clinical trials aimed at helping the immune system target harmful cells, further enhancing UCB's innovative capabilities in the biopharmaceutical field.
Yahoo Finance
2.0
05-03Yahoo Finance
Three Stocks to Watch Under $50
  • UCB's Growth Concerns: United Community Banks (UCB) has shown only 7.6% annual revenue growth over the past two years, which is below banking sector standards, indicating potential risks to profitability that could affect investor confidence.
  • SLM's Market Challenges: Sallie Mae (SLM) has experienced flat sales over the past two years, with an annual EPS growth of only 3.1%, significantly trailing the peer group average, reflecting a lack of competitiveness in its products and services during the current market cycle.
  • NRDS's Strong Performance: NerdWallet (NRDS) achieved an impressive 27.8% annual revenue growth over the past five years, and its stock buybacks propelled EPS growth to 252%, showcasing its robust competitive position and profitability in the market.
  • Investment Opportunity Analysis: In the current market environment, UCB and SLM present concerning performance metrics, while NRDS demonstrates strong growth potential, prompting investors to carefully assess the investment value of these stocks.
seekingalpha
5.0
04-28seekingalpha
United Community Banks CFO Harralson to Retire After Nearly a Decade
  • Executive Retirement: United Community Banks' CFO Jefferson Harralson announced his retirement at the end of the year after nearly a decade, which may impact the company's financial management and strategic direction.
  • Transition Support: Harralson will continue in his role until retirement to assist in the transition for the new CFO, ensuring stability and continuity during the leadership change.
  • Successor Search: The bank has engaged Korn Ferry for a nationwide search for his successor, indicating the company's commitment to executive selection and aiming to find a suitable candidate to maintain financial health and strategic execution.
  • Financial Performance: Despite potential uncertainties from Harralson's retirement, United Community Banks reported a non-GAAP EPS of $0.70 and revenue of $276.5 million in Q1, exceeding expectations and demonstrating the company's robust financial performance.
PRnewswire
5.0
04-28PRnewswire
United Community Bank Announces CFO Retirement and Successor Search
  • Executive Retirement Announcement: United Community Bank has announced that CFO Jefferson Harralson will retire after nine years, agreeing to stay until year-end to ensure a smooth transition, highlighting the company's commitment to leadership stability.
  • Successor Search Initiated: The bank has engaged Korn Ferry, a leading global organizational consulting firm, to assist in finding Harralson's replacement, indicating a strategic focus on future leadership planning.
  • Strong Financial Position: As of March 31, 2026, United Community Bank reported $28.2 billion in assets and operates 200 offices, demonstrating its robust presence and influence in the U.S. financial market.
  • Customer Satisfaction Leadership: United Community Bank has received multiple J.D. Power awards for retail banking customer satisfaction, winning in 12 of the last 17 years, reflecting its competitive edge in customer service and market positioning.
Wall Street analysts forecast UCB stock price to rise
5 Analyst Rating
Wall Street analysts forecast UCB stock price to rise
3 Buy
2 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
34.00
Averages
114.43
High
349.72
Current: 0.000
sliders
Low
34.00
Averages
114.43
High
349.72
Stephens
Russell Gunther
maintain
$39 -> $40
AI Analysis
2026-04-28
Reason
Stephens
Russell Gunther
Price Target
$39 -> $40
AI Analysis
2026-04-28
maintain
Reason
Stephens analyst Russell Gunther raised the firm's price target on United Community Banks to $40 from $39 and keeps an Overweight rating on the shares following the bank's quarterly report.
Piper Sandler
Neutral
maintain
$35 -> $36
2026-04-22
Reason
Piper Sandler
Price Target
$35 -> $36
2026-04-22
maintain
Neutral
Reason
Piper Sandler raised the firm's price target on United Community Banks to $36 from $35 and keeps a Neutral rating on the shares. The firm notes the company posted steady results in Q1, but management remained quite optimistic about the opportunity set before it in 2026. Guidance for strong loan and deposit growth, along with further net interest margin expansion led to relative stability in Piper's estimates, even as Q1 results lagged behind PPNR expectations.
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Valuation Metrics

The current forward P/E ratio for United Community Banks Inc (UCB.N) is 12.53, compared to its 5-year average forward P/E of 12.12. 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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
12.12
Current PE
12.53
Overvalued PE
13.52
Undervalued PE
10.71

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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.88
Current EV/EBITDA
6.37
Overvalued EV/EBITDA
4.02
Undervalued EV/EBITDA
-2.27

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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
3.49
Current PS
3.23
Overvalued PS
3.88
Undervalued PS
3.11

Financials

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Whales Holding UCB

A
Algebris (UK) Limited
Holding
UCB
+0.00%
3M Return
S
Snyder Capital Management, L.P.
Holding
UCB
-1.41%
3M Return

Trading Trends

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Frequently Asked Questions

What is United Community Banks Inc (UCB) stock price today?

The current price of UCB is 33.6 USD — it has increased 1.14

What is United Community Banks Inc (UCB)'s business?

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 200 offices across Alabama, Florida, Georgia, North Carolina, South Carolina and Tennessee. It 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.

What is the price predicton of UCB Stock?

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 is114.43 USD with a low forecast of 34.00 USD and a high forecast of 349.72 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.

What is United Community Banks Inc (UCB)'s revenue for the last quarter?

United Community Banks Inc revenue for the last quarter amounts to 262.40M USD, increased 7.78

What is United Community Banks Inc (UCB)'s earnings per share (EPS) for the last quarter?

United Community Banks Inc. EPS for the last quarter amounts to 0.69 USD, increased 18.97

How many employees does United Community Banks Inc (UCB). have?

United Community Banks Inc (UCB) has 3070 emplpoyees as of May 27 2026.

What is United Community Banks Inc (UCB) market cap?

Today UCB has the market capitalization of 4.02B USD.