United Community Banks, Inc.
UCB Mid CapFinancial Services · Banks - Regional
Updated: Jun 14, 2026, 22:19 UTC
Price Chart
Key Metrics
Valuation Analysis
About the Company
United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts. It also provides loans comprising owner occupied and income producing CRE, commercial and industrial, equipment financing, residential mortgage, home equity, manufactured housing, and consumer loans, as well as commercial and residential construction and land. In addition, the company offers private banking, investment management, investment advice, financial planning services, estate and retirement planning, and insurance products; non-deposit investment products and insurance products, such as life insurance, long-term care insurance and
United Community Banks, Inc. Stock at a Glance
United Community Banks, Inc. (UCB) is currently trading at $34.63 with a market capitalization of $4.1B. The trailing P/E ratio stands at 12.68x, with a forward P/E of 10.45x. The 52-week range spans from $27.23 to $36.77; the current price is 5.8% below the yearly high. Year-over-year revenue growth stands at +14.4%. The net profit margin stands at 32.54%.
💰 Dividend
United Community Banks, Inc. pays an annual dividend of $1.00 per share, representing a yield of 2.89%. The payout ratio stands at 36.26%.
📊 Analyst Rating
6 analysts rate United Community Banks, Inc. (UCB) on consensus: Buy. The average price target is $38.17, implying +10.21% from the current price. Analyst price targets range from $36.00 to $40.00.
United Community Banks, Inc.: The Investment Case in Detail
United Community Banks, Inc. (UCB) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.
The Bull Case
Revenue is growing at a healthy 14.4% pace year-over-year, suggesting the business model continues to find new customers and pricing power. Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.
What to Watch Next
- The forward P/E of 10.45x is meaningfully below the trailing 12.68x — analysts expect earnings to step up; the next earnings release is the test.
Investment Thesis: Strengths & Weaknesses
- Profitable with 32.54% net margin
- Analyst consensus: Buy
- Currently flagged as undervalued
- Solid dividend yield of 2.89%
No significant red flags in current metrics.
Technical Snapshot
Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).
Risk Profile
The data points to relatively defensive market behavior.
Trading Data
💵 Dividend Info
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