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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
31.310
Open
30.380
VWAP
30.92
Vol
714.31K
Mkt Cap
3.72B
Low
30.355
Amount
22.08M
EV/EBITDA(TTM)
8.23
Total Shares
119.61M
EV
3.67B
EV/OCF(TTM)
10.55
P/S(TTM)
3.56
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.
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Events Timeline

(ET)
2026-01-14
07:40:00
Company Reports Q4 Revenue of $278.388M, Beating Expectations
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2025-12-08 (ET)
2025-12-08
16:40:00
United Community Banks Approves $100M Stock Repurchase Program
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2025-12-01 (ET)
2025-12-01
16:30:00
United Community Banks Files Automatic Mixed Securities Shelf
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2025-10-22 (ET)
2025-10-22
07:31:31
United Community Banks Announces Q3 EPS of 75 Cents, Exceeding Consensus Estimate of 70 Cents
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News

seekingalpha
8.0
02-27seekingalpha
United Community Banks Declares Quarterly Dividend
  • Quarterly Dividend Announcement: United Community Banks declares a quarterly dividend of $0.25 per share, consistent with previous distributions, indicating stable cash flow and profitability, which is expected to bolster investor confidence.
  • Yield Performance: The forward yield of 2.91% is attractive in the current market environment, potentially drawing in more investors seeking stable returns, thereby enhancing shareholder value.
  • Dividend Payment Schedule: The dividend will be payable on April 3, with a record date of March 13 and an ex-dividend date also on March 13, ensuring shareholders receive timely returns and strengthening trust between the company and its investors.
  • Financial Performance Highlights: United Community Banks reported a non-GAAP EPS of $0.71 and revenue of $278.4 million, exceeding expectations by $4.8 million, showcasing ongoing loan growth and increased buybacks, reflecting its strong market position.
NASDAQ.COM
6.5
01-16NASDAQ.COM
Riley Exploration Permian (REPX) Sees 4.5% Earnings Estimate Increase
  • Earnings Estimate Increase: Riley Exploration Permian, Inc. has seen a 4.5% increase in its current year earnings estimate over the last 60 days, indicating enhanced profitability that may attract more investor interest.
  • High Dividend Yield: The company boasts a dividend yield of 5.7%, significantly higher than the industry average of 0.0%, making it a more appealing option for income-focused investors.
  • Banking Sector Performance: United Community Banks, Inc. also holds a Zacks Rank #1, with a 0.7% increase in its current year earnings estimate over the past 60 days, reflecting its stable growth potential.
  • Dividend Advantage: United Community Banks offers a dividend yield of 3%, surpassing the industry average of 2.1%, further enhancing its attractiveness as an income investment choice.
Benzinga
9.5
01-15Benzinga
United Community Banks Reports In-Line Q4 Earnings, Sales Beat Estimates
  • Stable Earnings Performance: United Community Banks reported Q4 earnings of $0.71 per share, meeting analyst consensus estimates, indicating the company's stable profitability.
  • Sales Exceed Expectations: The company posted quarterly sales of $278.388 million, surpassing the analyst consensus of $273.533 million, reflecting strong business growth momentum.
  • Improved Asset Mix: CEO Lynn Harton highlighted healthy loan growth for 2025, leading to an improvement in the earning asset mix, with a 36 basis points year-over-year expansion in net interest margin, showcasing effective deposit pricing strategies.
  • Share Buyback and Debt Redemption: In Q4, the company repurchased one million common shares at an average price of $29.84 and redeemed $35 million of senior debt, demonstrating confidence in future performance.
seekingalpha
9.5
01-14seekingalpha
United Community Banks Reports 11% Revenue Growth in Q4 2025
  • Significant Revenue Growth: United Community Banks reported an 11% year-over-year revenue increase in Q4 2025, driven by a 4.4% annualized loan growth and continued margin expansion, indicating strong market performance.
  • Earnings Per Share Improvement: The operating earnings per share for the quarter was $0.71, reflecting a 13% year-over-year increase, with full-year EPS rising from $2.30 to $2.71, showcasing the company's success in cost control and efficiency enhancement.
  • Increased Shareholder Returns: The company raised its dividend to an annualized rate of $1 per share in Q3 and repurchased 1 million shares in Q4 at an average price below $30, further enhancing returns to common shareholders.
  • Market Expansion Strategy: United Community Banks is expanding into new markets such as Florida and North Carolina while optimizing risk management and deposit pricing systems, which is expected to lay the groundwork for future growth.
NASDAQ.COM
9.5
01-14NASDAQ.COM
United Community Banks Inc. Reports Q4 Profit Increase to $85.89 Million
  • Profit Growth: United Community Banks Inc. reported a fourth-quarter net profit of $85.89 million, translating to an earnings per share (EPS) of $0.70, which marks a significant increase from last year's $73.72 million and $0.61 EPS, indicating enhanced profitability.
  • Revenue Increase: The company's revenue rose by 11% year-over-year to $278.38 million, up from $250.85 million last year, reflecting strong business expansion and market demand.
  • Financial Performance: Under GAAP standards, United Community Banks' earnings performance exceeded market expectations, with both net profit and EPS achieving double-digit growth, demonstrating the company's resilience and profitability in the current economic environment.
  • Market Confidence: With the growth in profits and revenue, investor confidence in United Community Banks is likely to strengthen, potentially attracting more investor interest in its future growth prospects and market performance.
seekingalpha
9.5
01-14seekingalpha
United Community Banks Reports Q4 Revenue Growth of 16.3% to $278.4 Million
  • Steady Earnings Performance: United Community Banks reported a Q4 non-GAAP EPS of $0.71, in line with expectations, demonstrating stability in profitability and boosting investor confidence.
  • Significant Revenue Growth: Q4 revenue reached $278.4 million, up 16.3% year-over-year, exceeding expectations by $4.8 million, indicating strong competitiveness and robust customer demand in the market.
  • Improved Return on Assets: The bank's return on assets was 1.21%, up from 1.06% a year ago, reflecting effective strategies in asset utilization by management, further solidifying the company's financial health.
  • Increased Credit Loss Provisions: Provisions for credit losses amounted to $13.7 million, an increase of $2.3 million from last year, showing a cautious approach to potential credit risks, while net charge-offs remained manageable at 0.34%.
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
Barclays
NULL -> Overweight
upgrade
AI Analysis
2026-01-06
Reason
Barclays
Price Target
AI Analysis
2026-01-06
upgrade
NULL -> Overweight
Reason
Barclays raised the firm's price target on UCB to EUR 310 from EUR 270 and keeps an Overweight rating on the shares.
JPMorgan
NULL -> Overweight
upgrade
2025-12-08
Reason
JPMorgan
Price Target
2025-12-08
upgrade
NULL -> Overweight
Reason
JPMorgan raised the firm's price target on UCB to EUR 300 from EUR 230 and keeps an Overweight rating on the shares.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for UCB
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Valuation Metrics

The current forward P/E ratio for United Community Banks Inc (UCB.N) is 11.04, compared to its 5-year average forward P/E of 12.09. 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
12.09
Current PE
11.04
Overvalued PE
13.52
Undervalued PE
10.66

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
0.00
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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
3.54
Current PS
3.46
Overvalued PS
3.95
Undervalued PS
3.13

Financials

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Whales Holding UCB

S
Snyder Capital Management, L.P.
Holding
UCB
+7.54%
3M Return

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Frequently Asked Questions

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

The current price of UCB is 31.08 USD — it has increased 1.4

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 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.

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 273.78M USD, increased 11.68

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 0.70 USD, increased 14.75

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

United Community Banks Inc (UCB) has 3070 emplpoyees as of March 25 2026.

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

Today UCB has the market capitalization of 3.72B USD.