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UCBI Overview

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OverviewStock Price PredictionTechnicalValuationFinancialsEarningsShould I BuyNews & Events
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Intellectia

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High
--
Open
--
VWAP
--
Vol
--
Mkt Cap
3.00B
Low
--
Amount
--
EV/EBITDA(TTM)
13.17
Total Shares
--
EV
4.26B
EV/OCF(TTM)
6.90
P/S(TTM)
4.69
United Community Banks, Inc. is a financial holding company for United Community Bank (the Bank). It provides a range of financial products and services to the commercial, retail, governmental, educational, energy, health care 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 including its branches, other offices, the Internet, and mobile applications. Its deposit products include checking accounts, savings accounts, money market accounts and other deposit accounts. Its investment portfolio includes residential and commercial mortgage-backed securities, asset-backed securities, United States agency and municipal obligations.
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Events Timeline

(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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2025-08-15 (ET)
2025-08-15
07:34:23
United Community Banks announces redemption of shares of Preferred Stock
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News

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.
Newsfilter
9.5
01-14Newsfilter
United Community Banks Reports Q4 2025 Net Income of $86.5 Million, EPS Increases to $0.70
  • Net Income Growth: United Community Banks reported a net income of $86.5 million for Q4 2025, reflecting a 10.9% increase year-over-year, driven by strong loan growth and revenue enhancement, which solidifies its market position.
  • Earnings Per Share Increase: The diluted earnings per share for 2025 reached $2.62, up 28% from $2.04 in 2024, indicating effective strategies in revenue growth and cost control, thereby boosting investor confidence.
  • Loan Portfolio Expansion: Total loans reached $19.384 billion in 2025, a 6.7% increase from 2024, with robust performance in commercial and mortgage loans driving overall loan growth, enhancing the company's profitability.
  • Capital Management Optimization: The company repurchased 1 million shares of common stock at an average price of $29.84 per share and redeemed $35 million of senior debt in Q4, demonstrating confidence in future growth and flexibility in capital management.
NASDAQ.COM
8.0
01-13NASDAQ.COM
United Community Banks Inc. Expects 3% Annualized Dividend Yield
  • Dividend History Analysis: United Community Banks' dividend history chart indicates that the recent dividend is likely to continue, with an expected annualized yield of 3%, providing investors with a stable income outlook.
  • Volatility Assessment: The trailing twelve-month volatility for UCB, calculated from the last 251 trading days, stands at 30%, offering crucial insights for investors when selecting appropriate options strategies.
  • Options Trading Dynamics: In mid-afternoon trading on Tuesday, the put volume among S&P 500 components reached 785,316 contracts, while call volume hit 1.51 million, indicating a strong preference for calls among investors, reflecting optimistic market sentiment.
  • Risk-Reward Consideration: Investors considering selling January covered calls at a $35 strike price must weigh the risk and reward, as potential upside beyond $35 may be forfeited, necessitating careful strategic planning.
NASDAQ.COM
4.8
2024-08-01NASDAQ.COM
United Community Banks (UCBI) Passes Through 3% Yield Mark
  • Dividend Predictability: Dividend amounts are often unpredictable and fluctuate based on a company's profitability, making it essential to analyze historical data for companies like United Community Banks Inc to assess future dividend expectations.

  • Investment Insight: The article suggests that understanding the dividend history can help investors determine if a 3% annual yield is a reasonable expectation for UCBI.

NASDAQ.COM
5.6
2024-07-26NASDAQ.COM
Sector Update: Financial Stocks Gain Late Afternoon
  • Financial Market Performance: Financial stocks saw gains with the NYSE Financial Index up 1.6% and Bitcoin rising 3% to $67,739, while the Philadelphia Housing Index increased by 3.4%.

  • Corporate Developments and Regulatory News: JPMorgan Chase launched a generative AI tool for research analysis, and the SEC charged Andrew Left for a $20 million fraud scheme; meanwhile, Kinsale Capital's shares surged 17% following strong Q2 earnings.

-.-
2024-07-25Benzinga
Decoding 4 Analyst Evaluations For United Community Banks
Wall Street analysts forecast UCBI stock price to rise
0 Analyst Rating
Wall Street analysts forecast UCBI stock price to rise
0 Buy
0 Hold
0 Sell
Current: 0.000
sliders
Low
Averages
High
Current: 0.000
sliders
Low
Averages
High
Raymond James
Michael Rose
Outperform
maintain
$30 -> $32
AI Analysis
2025-05-20
Reason
Raymond James
Michael Rose
Price Target
$30 -> $32
AI Analysis
2025-05-20
maintain
Outperform
Reason
Raymond James analyst Michael Rose raised the firm's price target on United Community Banks to $32 from $30 and keeps an Outperform rating on the shares. Loan growth pipelines remain relatively solid and weighted more to Commercial & Industrial at this point, though customers remain somewhat cautious given ongoing uncertainty and volatility from tariffs, the analyst tells investors in a research note. United Community also continues to opportunistically add teams to drive growth and enhance franchise value, the firm says.
Stephens & Co.
Russell Gunther
Buy
Reiterates
$36
2025-04-23
Reason
Stephens & Co.
Russell Gunther
Price Target
$36
2025-04-23
Reiterates
Buy
Reason

Valuation Metrics

The current forward P/E ratio for United Community Banks Inc (UCBI.O) is --, compared to its 5-year average forward P/E of --. 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
Current PE
NaN
Overvalued PE
Undervalued PE

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
5Y Average EV/EBITDA
Current EV/EBITDA
NaN
Overvalued EV/EBITDA
Undervalued EV/EBITDA

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
Current PS
NaN
Overvalued PS
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Financials

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Frequently Asked Questions

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

The current price of UCBI is 0 USD — it has increased 0

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

United Community Banks, Inc. is a financial holding company for United Community Bank (the Bank). It provides a range of financial products and services to the commercial, retail, governmental, educational, energy, health care 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 including its branches, other offices, the Internet, and mobile applications. Its deposit products include checking accounts, savings accounts, money market accounts and other deposit accounts. Its investment portfolio includes residential and commercial mortgage-backed securities, asset-backed securities, United States agency and municipal obligations.

What is the price predicton of UCBI Stock?

Wall Street analysts forecast UCBI stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for UCBI is USD with a low forecast of USD and a high forecast of 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 (UCBI)'s revenue for the last quarter?

United Community Banks Inc revenue for the last quarter amounts to 213.99M USD, decreased -8.86

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

United Community Banks Inc. EPS for the last quarter amounts to 0.38 USD, decreased -2.56

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

United Community Banks Inc (UCBI) has 3121 emplpoyees as of March 06 2026.

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

Today UCBI has the market capitalization of 3.00B USD.