UCB PE Ratio & Valuation,Is UCB Overvalued

UCB Relative Valuation

UCB's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, UCB is overvalued; if below, it's undervalued.

Historical Valuation

United Community Banks Inc (UCB) is now in the Undervalued zone, suggesting that its current forward PE ratio of 11.39 is considered Undervalued compared with the five-year average of 12.04. The fair price of United Community Banks Inc (UCB) is between 32.24 to 38.75 according to relative valuation methord. Compared to the current price of 32.21 USD , United Community Banks Inc is Undervalued By 0.1%.

Relative Value

Fair Zone

32.24-38.75

Current Price：32.21

0.1%

Undervalued

11.36

0.00

EV/EBITDA

United Community Banks Inc. (UCB) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

United Community Banks Inc. (UCB) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

3.56

United Community Banks Inc. (UCB) has a current PS of 3.56. The 5-year average PS is 3.56. The thresholds are as follows: Strongly Undervalued below 2.73, Undervalued between 2.73 and 3.15, Fairly Valued between 3.97 and 3.15, Overvalued between 3.97 and 4.39, and Strongly Overvalued above 4.39. The current Forward PS of 3.56 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

United Community Banks Inc. (UCB) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

United Community Banks Inc. (UCB) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

United Community Banks Inc (UCB) has a current Price-to-Book (P/B) ratio of 1.09. Compared to its 3-year average P/B ratio of 1.06 , the current P/B ratio is approximately 3.72% higher. Relative to its 5-year average P/B ratio of 1.21, the current P/B ratio is about -9.44% higher. United Community Banks Inc (UCB) has a Forward Free Cash Flow (FCF) yield of approximately 11.16%. Compared to its 3-year average FCF yield of 9.28%, the current FCF yield is approximately 20.26% lower. Relative to its 5-year average FCF yield of 9.81% , the current FCF yield is about 13.72% lower.

1.09

P/B

Median3y

1.06

Median5y

1.21

11.16

FCF Yield

Median3y

9.28

Median5y

9.81

Competitors Valuation Multiple

The average P/S ratio for UCB's competitors is , providing a benchmark for relative valuation. United Community Banks Inc Corp (UCB) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 27.57%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of UCB decreased by 0.09% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 22.13 to 33.52.

The secondary factor is the Revenue Growth, contributed 27.57%to the performance.

Overall, the performance of UCB in the past 1 year is driven by Margin Expansion. Which is more sustainable.

27.57%

213.99M → 272.99M

Revenue Growth

51.47%

22.13 → 33.52

Margin Expansion

-79.13%

61.43 → 12.82

P/E Change

-0.09%

32.31 → 32.28

Mkt Cap Growth

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Frequently Asked Questions

Is United Community Banks Inc (UCB) currently overvalued or undervalued?

What is United Community Banks Inc (UCB) fair value?

UCB's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of United Community Banks Inc (UCB) is between 32.24 to 38.75 according to relative valuation methord.

How does UCB's valuation metrics compare to the industry average?

What is the current P/B ratio for United Community Banks Inc (UCB) as of Dec 16 2025?

As of Dec 16 2025, United Community Banks Inc (UCB) has a P/B ratio of 1.09. This indicates that the market values UCB at 1.09 times its book value.

What is the current FCF Yield for United Community Banks Inc (UCB) as of Dec 16 2025?

As of Dec 16 2025, United Community Banks Inc (UCB) has a FCF Yield of 11.16%. This means that for every dollar of United Community Banks Inc’s market capitalization, the company generates 11.16 cents in free cash flow.

What is the current Forward P/E ratio for United Community Banks Inc (UCB) as of Dec 16 2025?

As of Dec 16 2025, United Community Banks Inc (UCB) has a Forward P/E ratio of 11.39. This means the market is willing to pay $11.39 for every dollar of United Community Banks Inc’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for United Community Banks Inc (UCB) as of Dec 16 2025?

As of Dec 16 2025, United Community Banks Inc (UCB) has a Forward P/S ratio of 3.56. This means the market is valuing UCB at $3.56 for every dollar of expected revenue over the next 12 months.

UCB Valuation

UCB Valuation

UCB Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

People Also Watch

Frequently Asked Questions

Is United Community Banks Inc (UCB) currently overvalued or undervalued?

What is United Community Banks Inc (UCB) fair value?

How does UCB's valuation metrics compare to the industry average?

What is the current P/B ratio for United Community Banks Inc (UCB) as of Dec 16 2025?

What is the current FCF Yield for United Community Banks Inc (UCB) as of Dec 16 2025?

What is the current Forward P/E ratio for United Community Banks Inc (UCB) as of Dec 16 2025?

What is the current Forward P/S ratio for United Community Banks Inc (UCB) as of Dec 16 2025?