Historical Valuation
United Community Banks Inc (UCB) is now in the Fair zone, suggesting that its current forward PE ratio of 11.04 is considered Fairly compared with the five-year average of 12.04. The fair price of United Community Banks Inc (UCB) is between 32.67 to 39.53 according to relative valuation methord.
Relative Value
Fair Zone
32.67-39.53
Current Price：33.10
Fair
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
United Community Banks Inc (UCB) has a current Price-to-Book (P/B) ratio of 1.06. Compared to its 3-year average P/B ratio of 1.05 , the current P/B ratio is approximately 1.27% higher. Relative to its 5-year average P/B ratio of 1.21, the current P/B ratio is about -11.88% higher. United Community Banks Inc (UCB) has a Forward Free Cash Flow (FCF) yield of approximately 11.49%. Compared to its 3-year average FCF yield of 9.20%, the current FCF yield is approximately 24.91% lower. Relative to its 5-year average FCF yield of 9.89% , the current FCF yield is about 16.15% lower.
P/B
Median3y
1.05
Median5y
1.21
FCF Yield
Median3y
9.20
Median5y
9.89
Competitors Valuation Multiple
AI Analysis for UCB
The average P/S ratio for UCB competitors is 3.64, providing a benchmark for relative valuation. United Community Banks Inc Corp (UCB.N) exhibits a P/S ratio of 3.46, which is -5.06% above the industry average. Given its robust revenue growth of 27.57%, this premium appears sustainable.
Performance Decomposition
AI Analysis for UCB
1Y
3Y
5Y
Market capitalization of UCB increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of UCB in the past 1 year is driven by Unknown.
People Also Watch
Frequently Asked Questions
Is UCB currently overvalued or undervalued?
United Community Banks Inc (UCB) is now in the Fair zone, suggesting that its current forward PE ratio of 11.04 is considered Fairly compared with the five-year average of 12.04. The fair price of United Community Banks Inc (UCB) is between 32.67 to 39.53 according to relative valuation methord.
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 32.67 to 39.53 according to relative valuation methord.
How does UCB's valuation metrics compare to the industry average?
The average P/S ratio for UCB's competitors is 3.64, providing a benchmark for relative valuation. United Community Banks Inc Corp (UCB) exhibits a P/S ratio of 3.46, which is -5.06% above the industry average. Given its robust revenue growth of 27.57%, this premium appears sustainable.
What is the current P/B ratio for United Community Banks Inc (UCB) as of Jan 10 2026?
As of Jan 10 2026, United Community Banks Inc (UCB) has a P/B ratio of 1.06. This indicates that the market values UCB at 1.06 times its book value.
What is the current FCF Yield for United Community Banks Inc (UCB) as of Jan 10 2026?
As of Jan 10 2026, United Community Banks Inc (UCB) has a FCF Yield of 11.49%. This means that for every dollar of United Community Banks Inc’s market capitalization, the company generates 11.49 cents in free cash flow.
What is the current Forward P/E ratio for United Community Banks Inc (UCB) as of Jan 10 2026?
As of Jan 10 2026, United Community Banks Inc (UCB) has a Forward P/E ratio of 11.04. This means the market is willing to pay $11.04 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 Jan 10 2026?
As of Jan 10 2026, United Community Banks Inc (UCB) has a Forward P/S ratio of 3.46. This means the market is valuing UCB at $3.46 for every dollar of expected revenue over the next 12 months.