UCB Stock Analysis: United Community Banks | NYSE
Banks - Regional | NYSE, USA | Market Cap: 4.058m USD | 12M Return: 11.6% | US90984P3038 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 25.5M
EPS Trend: 89.3%
Qual. Beats: -1
Rev. Trend: 95.1%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
United Community Banks, Inc. is the holding company for United Community Bank, a regional U.S. financial institution founded in 1950 and headquartered in Greenville, South Carolina. It operates as a traditional community-oriented bank, generating revenue from both sides of the balance sheet: interest income on loans and interest expense on deposits, supplemented by fee-based services.
The company offers a full suite of retail and commercial banking products, including checking, savings, and money market deposit accounts, alongside a diverse lending portfolio covering commercial real estate, commercial and industrial loans, equipment financing, residential mortgages, home equity loans, manufactured housing loans, consumer loans, and construction and land development financing.
Beyond core banking, United Community Banks provides wealth management and trust services such as private banking, investment management, financial and estate planning, and insurance products including life insurance, long-term care insurance, and tax-deferred annuities. The company also offers property insurance reinsurance and payment processing services for commercial and small business customers, serving clients across the commercial, retail, government, education, energy, health care, and real estate sectors.
As a regional bank, United Community Banks competes by combining traditional deposit and lending activities with fee-generating wealth and treasury management services, a common diversification strategy among mid-sized regional banks seeking to reduce reliance on net interest margin.
- Net interest margin expansion tracks Fed rate path
- Commercial real estate loan performance amid office sector stress
- Deposit growth fuels Southeast regional expansion through acquisitions
| Net Income: 377.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.28 > 1.0 |
| NWC/Revenue: -1.27k% < 20% (prev -1.31k%; Δ 39.79% < -1%) |
| CFO/TA 0.02 > 3% & CFO 439.7m > Net Income 377.9m |
| Net Debt (-3.05b) to EBITDA (539.0m): -5.67 < 3 |
| Current Ratio: 0.18 > 1.5 & < 3 |
| Outstanding Shares: last quarter (120.4m) vs 12m ago -0.82% < -2% |
| Gross Margin: 71.96% > 18% (prev 61.11%; Δ 10.86% > 0.5%) |
| Asset Turnover: 5.44% > 50% (prev 5.24%; Δ 0.20% > 0%) |
| Interest Coverage Ratio: 1.10 > 6 (EBIT TTM 477.4m / Interest Expense TTM 433.3m) |
| A: -0.68 (Total Current Assets 4.24b - Total Current Liabilities 24.0b) / Total Assets 29.1b |
| B: 0.04 (Retained Earnings 1.05b / Total Assets 29.1b) |
| C: 0.02 (EBIT TTM 477.4m / Avg Total Assets 28.6b) |
| D: 0.15 (Book Value of Equity 3.75b / Total Liabilities 25.3b) |
| Altman-Z'' = -4.08 = D |
As of September 27, 2026, the stock is trading at USD 34.23 with a total of 1,020,288 shares traded. Over the past week, the price has changed by -1.33%, over one month by -1.78%, over three months by -1.64% and over the past year by +11.56%.
Current recommended Stop Loss: 33.40 (which is 2.4% or 1.2 ATR below the current price).
United Community Banks has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy UCB.
- StrongBuy: 3
- Buy: 1
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 40.2 | 17.4% |
P/E Trailing = 11.0719
P/E Forward = 12.5313
P/S = 3.6208
P/B = 1.1008
P/EG = 1.674
Revenue TTM = 1.56b USD
EBIT TTM = 477.4m USD
EBITDA TTM = 539.0m USD
Long Term Debt = 820.6m USD (from longTermDebt, last quarter)
Short Term Debt = 360.0m USD (from shortTermDebt, last quarter)
Debt = 1.18b USD (corrected: LT Debt 820.6m + ST Debt 360.0m)
Net Debt = -3.05b USD (calculated: Debt 1.18b - CCE 4.24b)
Enterprise Value = 1.00b USD (4.06b + Debt 1.18b - CCE 4.24b)
Interest Coverage Ratio = 1.10 (Ebit TTM 477.4m / Interest Expense TTM 433.3m)
EV/FCF = 2.43x (Enterprise Value 1.00b / FCF TTM 412.5m)
FCF Yield = 41.13% (FCF TTM 412.5m / Enterprise Value 1.00b)
FCF Margin = 26.52% (FCF TTM 412.5m / Revenue TTM 1.56b)
Net Margin = 24.30% (Net Income TTM 377.9m / Revenue TTM 1.56b)
Gross Margin = 71.96% ((Revenue TTM 1.56b - Cost of Revenue TTM 435.9m) / Revenue TTM)
Gross Margin QoQ = 80.75% (prev 70.33%)
Tobins Q-Ratio = 0.03 (Enterprise Value 1.00b / Total Assets 29.1b)
Interest Expense / Debt = 36.70% (Interest Expense 433.3m / Debt 1.18b)
Taxrate = 22.61% (110.4m / 488.3m)
NOPAT = 369.5m (EBIT 477.4m * (1 - 22.61%))
Current Ratio = 0.18 (Total Current Assets 4.24b / Total Current Liabilities 24.0b)
Debt / Equity = 0.32 (Debt 1.18b / totalStockholderEquity, last quarter 3.75b)
Debt / EBITDA = -5.67 (Net Debt -3.05b / EBITDA 539.0m)
Debt / FCF = -7.41 (Net Debt -3.05b / FCF TTM 412.5m)
Total Stockholder Equity = 3.66b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.32% (Net Income 377.9m / Total Assets 29.1b)
RoE = 10.33% (Net Income TTM 377.9m / Total Stockholder Equity 3.66b)
RoCE = 10.66% (EBIT 477.4m / Capital Employed (Equity 3.66b + L.T.Debt 820.6m))
RoIC = 1.28% (NOPAT 369.5m / Invested Capital 29.0b)
WACC = 13.40% (E(4.06b)/V(5.24b) * Re(9.04%) + D(1.18b)/V(5.24b) * Rd(36.70%) * (1-Tc(0.23)))
Discount Rate = 9.04% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 61.63 | Cagr: 0.26%
[DCF] Terminal Value 63.40% ; FCFF base≈375.2m ; Y1≈430.1m ; Y5≈633.1m
[DCF] Fair Price = 67.29 (EV 5.00b - Net Debt -3.05b = Equity 8.06b / Shares 119.8m; r=13.40% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 89.31 | EPS CAGR: 12.29% | SUE: -2.65 | # QB: -1
Revenue Correlation: 95.07 | Revenue CAGR: 7.81% | SUE: 0.55 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.77 | Chg30d=+3.74% | Revisions=+0% | Analysts=7
EPS current Year (2026-12-31): EPS=2.99 | Chg30d=+2.36% | Revisions=+0% | GrowthEPS=+10.2% | GrowthRev=+4.8%
EPS next Year (2027-12-31): EPS=3.34 | Chg30d=+3.59% | Revisions=+29% | GrowthEPS=+11.9% | GrowthRev=+4.3%
[Analyst] Revisions Ratio: +29% (up=3, down=1)