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UCB Overview

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$
0.000
0.000(0.000%)
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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
33.990
Open
33.790
VWAP
33.49
Vol
994.27K
Mkt Cap
3.99B
Low
33.175
Amount
33.30M
EV/EBITDA(TTM)
8.63
Total Shares
119.76M
EV
3.95B
EV/OCF(TTM)
16.20
P/S(TTM)
3.82
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)
2026-06-12
09:30:00
S&P Futures Rise as Oil Prices Drop, Boosting Market
select
2026-06-12
09:30:00
Wafra to Acquire Navitas Credit Corp for Approximately $1.9B
select
2026-06-12
08:00:00
United Community Banks Sells Equipment Finance Business for $1.9B
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2026-04-28 (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
7.5
06-12Yahoo Finance
United Community Banks Sells Equipment Finance Business
  • Business Sale Decision: United Community Banks (UCB) has agreed to sell its equipment finance business Navitas Credit to Waf, aiming to optimize asset allocation and focus on core operations to enhance overall operational efficiency.
  • Strategic Shift: This transaction allows UCB to concentrate resources on more profitable business areas, thereby strengthening its market competitiveness and improving financial performance.
  • Market Reaction Anticipation: Although the specific transaction amount has not been disclosed, this move is expected to positively impact UCB's capital structure, potentially boosting investor confidence and stabilizing stock prices.
  • Future Development Direction: UCB's strategic adjustment reflects its keen insight into market dynamics, indicating that the company will continue to seek long-term growth through asset optimization.
PRnewswire
8.5
06-12PRnewswire
Wafra Acquires Navitas for $1.9 Billion
  • Acquisition Overview: Wafra Inc. announced a definitive agreement to acquire Navitas Credit Corp. for approximately $1.9 billion in cash, a move expected to enhance Wafra's market position in equipment financing, with completion anticipated in Q3 2026.
  • Management Continuity: Following the transaction, Navitas will continue to be led by its current management team, a decision aimed at maintaining operational stability and customer service quality, ensuring ongoing success in the small and mid-sized business financing market.
  • Financing Support: Bank of America and Wells Fargo will provide acquisition financing along with an additional $1.0 billion in financing capacity to support Navitas' continued growth, reflecting Wafra's confidence in Navitas' future development.
  • Industry Leadership: Navitas is recognized in the equipment financing industry for its strong team and disciplined underwriting approach, boasting $1.8 billion in owned receivables, which will add high-quality assets to Wafra's portfolio and foster long-term collaboration between the two companies.
Newsfilter
8.5
06-12Newsfilter
Wafra Acquires Navitas for $1.9 Billion
  • Acquisition Agreement: Wafra Inc. announced a definitive agreement to acquire Navitas Credit Corp. from United Community Bank for approximately $1.9 billion in cash, further strengthening Wafra's market position in the equipment financing sector.
  • Stable Management Team: Following the transaction's completion, Navitas will continue to be led by its current management team, a decision aimed at ensuring operational continuity and quality customer service during the transition period.
  • Enhanced Financing Support: The transaction is backed by Bank of America and Wells Fargo, providing $1.0 billion in additional financing capacity to support Navitas' continued growth, reflecting Wafra's confidence in its future development.
  • Industry Leadership: Navitas' success in the equipment financing industry stems from its disciplined underwriting approach and customer-centric service commitment, with the acquisition expected to lay a solid foundation for its future independent growth.
NASDAQ.COM
8.5
06-12NASDAQ.COM
United Community Banks Sells Equipment Finance Business for $1.9 Billion
  • Transaction Value: United Community Banks has agreed to sell its equipment finance business, including Navitas Credit Corp. and NLFC Reinsurance Corp., for $1.9 billion in cash, significantly enhancing the company's liquidity and capital strength.
  • Focus on Core Business: By divesting Navitas, the bank aims to concentrate on its core Southeastern relationship banking operations, thereby optimizing resource allocation and improving market competitiveness.
  • Financial Impact: The transaction is expected to yield a one-time pre-tax earnings benefit of $109 million, resulting in a 3% increase in tangible book value per share, reflecting a positive impact on shareholders.
  • Risk Reduction: The equipment finance business represents 10% of the total loan portfolio but accounts for approximately 50% of net charge-offs over the past 12 months, and this sale will effectively reduce the company's risk exposure.
seekingalpha
8.5
06-12seekingalpha
United Community Banks Sells Equipment Finance Business for $1.9B
  • Transaction Value and Impact: United Community Banks announced the sale of its equipment finance business to funds managed by Wafra for $1.9 billion in cash, reflecting a 7% premium to the par value of Navitas' loan portfolio, which will significantly reduce the company's loan risk profile.
  • Business Proportion and Risk: The equipment finance business represents 10% of United's total loan portfolio but accounted for approximately 50% of net charge-offs over the past twelve months, making this divestiture crucial for improving asset quality.
  • Expected Financial Benefits: The transaction is anticipated to yield a one-time pre-tax earnings benefit of $109 million, with an expected 3% accretion to tangible book value per share and an increase of 145 basis points in CET1 capital, thereby strengthening the company's capital base.
  • Completion Timeline: The deal is expected to close in the third quarter of 2026, subject to customary closing conditions, marking a strategic move by United Community Banks to optimize its asset portfolio.
Newsfilter
8.5
06-12Newsfilter
United Community Banks Sells Equipment Finance Business for $1.9 Billion
  • Significant Transaction Value: United Community Banks has executed a definitive agreement to sell its equipment finance business, Navitas, to Wafra for $1.9 billion in cash, reflecting a 7% premium over the par value of Navitas' loan portfolio, thereby enhancing the company's liquidity and capital strength.
  • Earnings Enhancement: The transaction is expected to yield a one-time pre-tax earnings benefit of $109 million, resulting in a 3% accretion to tangible book value per share and generating an additional 145 basis points of CET1 capital, significantly improving the financial outlook.
  • Risk Profile Reduction: The equipment finance business, which represents 10% of United's total loan portfolio, accounted for approximately 50% of the net charge-offs over the past year, and its sale will meaningfully reduce the risk profile of the bank's loan portfolio.
  • Strategic Focus on Core Business: This transaction allows United Community Banks to reallocate resources to its core Southeastern relationship banking business, with expectations of achieving long-term financial growth through the reinvestment of capital.
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
Piper Sandler
Stephen Scouten
Neutral
downgrade
$36 -> $35
AI Analysis
2026-06-17
New
Reason
Piper Sandler
Stephen Scouten
Price Target
$36 -> $35
AI Analysis
2026-06-17
New
downgrade
Neutral
Reason
Piper Sandler analyst Stephen Scouten lowered the firm's price target on United Community Banks to $35 from $36 and keeps a Neutral rating on the shares. Last week, United Community announced that it is selling its Navitas Credit Corp equipment finance subsidiary. In total, this sale should drive a $109M pre-tax benefit, or 67c to TBVPS, and is estimated to be 9% dilutive to run-rate earnings in the immediate term.
DA Davidson
Buy
maintain
$39 -> $40
2026-06-15
New
Reason
DA Davidson
Price Target
$39 -> $40
2026-06-15
New
maintain
Buy
Reason
DA Davidson raised the firm's price target on United Community Banks to $40 from $39 and keeps a Buy rating on the shares. The company's sale of Navitas equipment finance business is a net positive for over the medium-to-long term as it eliminates a non-core part of the regional banking story that had driven an outsized proportion of its net charge-offs, the analyst tells investors in a research note. The decision to sell also highlights the management's increasing confidence in its ability to accelerate loan growth, the firm added.
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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 12.11. 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
12.11
Current PE
12.53
Overvalued PE
13.51
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
0.95
Current EV/EBITDA
6.65
Overvalued EV/EBITDA
4.14
Undervalued EV/EBITDA
-2.25

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
3.48
Current PS
3.37
Overvalued PS
3.86
Undervalued PS
3.11

Financials

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Whales Holding UCB

S
Snyder Capital Management, L.P.
Holding
UCB
+6.86%
3M Return
A
Algebris (UK) Limited
Holding
UCB
+4.42%
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 33.31 USD — it has decreased -0.42

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 June 17 2026.

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

Today UCB has the market capitalization of 3.99B USD.