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United Community Banks, Inc.
UCB
NYSE·Financial Services·Banks - Regional·Mkt cap $4.3B
$35.19
▼ -2.40%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$28.65 - $36.77
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 14.8% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- Diversified revenue streams across banking, wealth management, and insurance reducing reliance on single business line
- Strong community banking heritage with 70+ year operating history and deep regional relationships
- Comprehensive product suite enabling cross-selling and customer lifetime value maximization
- SBA and USDA lending expertise providing specialized financing solutions competitors may lack
- Integrated trust and wealth management capabilities attracting high-net-worth clients
Bear Case
2 risks
- Average volatility.
- Growth premium of 1.0x vs Commercial Banking peers. Reasonable for this growth rate.
Growth
Revenue decline expected
Expansion of commercial lending to mid-sized businesses in growing markets
Value
Growth premium of 1.0x vs Commercial Banking peers. Reasonable for this growth rate.
Momentum
Strong
+12.3% over 3m
Quality
Excellent
High-growth business (65% revenue growth, 68% gross margin). Profitable with strong growth momentum.
Dividend
Solid
2.77% yield
Smart-money signal
Who's buying UCB right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Jul 21, 2026
APR 21, 2026
Reported EPS of $0.70 vs $0.71 consensus (-1.4% surprise). Revenue of $276.5M vs $273.9M expected (+1.0%).
EPS surprise · last 4Q
0 of 1 beats
Q2 26
-1.4%
Next: Jul 21, 2026
Revenue trend · last 8Q
—
—
—
+4%
+6%
+29%
+20%
+55%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$240.4M
$210.6M
$245.0M
$242.9M
$376.2M
$391.1M
$403.4M
$377.7M
Margins · last 8Q
Gross
70.3%
Operating
28.7%
Profit
22.3%
Wall Street consensus
4 analysts · 75% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
75%
Hold
25%
Sell
0%
Median Price Target
$40.00
▲ +13.7% vs $35.19
Latest: Piper Sandler · Jun 17, 2026
1 analyst covering