United Community Banks, Inc.
UCB
NYSE·Financial Services·Banks - Regional·Mkt cap $4.3B
$35.64
▲ +0.71%
P/E
11.69
Mkt Cap
$4.3B
52-Wk Range
$28.65–$37.18
52-Week Range
$28.65 - $37.18
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 7.8% 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
1 risk
- Average volatility.
Growth
Revenue decline expected
Expansion of commercial lending to mid-sized businesses in growing markets
Value
Valued in line with Commercial Banking peers (1.0x).
Momentum
Strong
+7.2% over 3m
Quality
Excellent
High-growth business (45% revenue growth, 72% gross margin). Profitable with strong growth momentum.
Dividend
Solid
2.81% 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: Oct 21, 2026
JUL 21, 2026
Reported EPS of $0.71 vs $0.81 consensus (-12.3% surprise). Revenue of $279.3M vs $280.1M expected (-0.3%).
EPS surprise · last 4Q
0 of 1 beats
Estimate
Actual
Q3 26
-12.3%
Revenue trend · last 8Q
—
—
+4%
+6%
+29%
+20%
+55%
+2%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$210.6M
$245.0M
$242.9M
$376.2M
$391.1M
$403.4M
$377.7M
$382.8M
Margins · last 8Q
Gross
80.8%
Operating
36.1%
Profit
30.2%
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
—
Latest: Piper Sandler · Jul 22, 2026
vs Industry
How UCB stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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