United Community Banks, Inc. (UCB) Stock Price

UCBStock

$35.18+5.05%52W

Market Cap$4.21B

P/E13.46x

PEG Ratio1.67

Div yield2.84%

Beta0.91

UCB Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)-5.65%

Price vs S&P 500 (4W)-3.36%

PEG Ratio1.67

VGM Score53.30

P/E Ratio (Annual)13.46x

Indicated Dividend Yield (Annual)2.84%

P/CF (Annual)11.50x

Book Value / Share (Quarterly)$31.27

P/TBV (Annual)1.42x

Indicated Dividend (Annual)$1.00

Cash Flow / Share (Quarterly)$3.02

Payout Ratio (TTM)32.53%

Price vs S&P 500 (YTD)-0.14%

EPS (TTM)$3.12

10-Day Avg Trading Volume0.71M

EPS Excl Extra (TTM)$3.12

EPS (Annual)$2.70

Dividend / Share (Annual)$1.03

ROI (Annual)8.54%

P/E Basic Excl Extra (TTM)11.69x

EPS Growth (5Y)6.51%

P/E Normalized (Annual)13.46x

ROA (Last FY)1.17%

EBITD / Share (TTM)$3.62

ROE (5Y Avg)8.91%

Cash Flow / Share (Annual)$2.96

P/B Ratio1.18x

P/B Ratio (Quarterly)1.12x

Net Income / Employee (Annual)$106,900

ROA (TTM)1.33%

EPS Growth QoQ (YoY)48.07%

EV / EBITDA (TTM)9.30x

EPS Incl Extra (Annual)$2.70

3-Month Avg Trading Volume0.88M

52-Week Price Return5.05%

EV / Free Cash Flow (Annual)13.46x

P/E Incl Extra (TTM)11.69x

Tangible BV / Share (Quarterly)$30.96

52-Week High$37.18

EPS Excl Extra (Annual)$2.70

CapEx CAGR (5Y)8.36%

26-Week Price Return6.28%

13-Week Price Return6.28%

Total Debt / Equity (Annual)0.06x

Enterprise Value$4.80B

3-Month Return Std Dev21.29%

Net Income / Employee (TTM)$123,100

EBITDA CAGR (5Y)15.06%

EBITDA Interim CAGR (5Y)2.91%

ROE (Last FY)9.02%

EPS Basic Excl Extra (Annual)$2.70

P/FCF (TTM)12.23x

EV / Free Cash Flow (TTM)13.28x

Total Debt / Equity (Quarterly)0.10x

EPS Incl Extra (TTM)$3.12

ROI (TTM)9.75%

Dividend Growth Rate (5Y)6.38%

Tangible BV / Share (Annual)$22.15

Forward P/E11.42x

Free OCF CAGR (5Y)20.51%

Price vs S&P 500 (52W)-13.51%

P/E Ratio (TTM)11.69x

EPS Growth TTM (YoY)37.38%

Year-to-Date Return12.68%

5-Day Price Return-0.62%

EPS Normalized (Annual)$2.70

ROA (5Y Avg)1.04%

Month-to-Date Return-0.73%

EBITD / Share (Annual)$3.48

EPS Growth (3Y)1.31%

LT Debt / Equity (Annual)0.03x

P/CF (TTM)11.37x

ROI (5Y Avg)7.98%

P/E Excl Extra (TTM)11.69x

LT Debt / Equity (Quarterly)0.01x

EPS Basic Excl Extra (TTM)$3.12

P/TBV (Quarterly)1.13x

Payout Ratio (Annual)37.56%

P/B Ratio (Annual)1.04x

Dividend / Share (TTM)$1.02

Book Value / Share (Annual)$30.17

Price vs S&P 500 (13W)4.33%

Dividend Yield (TTM)2.78%

Beta0.91x

P/FCF (Annual)12.39x

ROE (TTM)10.33%

52-Week Low$28.65

vGradeB

gGradeB

mGradeD

vgmGradeC

UCB Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Jul 21, 2026	$0.81	$0.71	-12.35%(-$0.10)
Q1 2026	Apr 21, 2026	$0.70	$0.70	+0.00%(+$0.00)
Q4 2025	Jan 14, 2026	$0.71	$0.71	-0.60%(-$0.00)
Q3 2025	Oct 22, 2025	$0.70	$0.75	+7.65%(+$0.05)
Q2 2025	Jul 23, 2025	$0.61	$0.66	+7.44%(+$0.05)

UCB Analyst Recommendations

May 2026

Jun 2026

Jul 2026

Aug 2026

3.73

Industry Peers — State Banks(189)

Symbol	Value Score	Growth Score	Momentum Score	Price
UCBUnited Community Banks, Inc.	B	B	D	$35.18
BNSBank of Nova Scotia	C	C	A	$92.39
BNYBank of New York Mellon Corporation	F	B	A	$162.50
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	D	$7.50
DBDeutsche Bank Aktiengesellschaft	A	C	B	$40.36
STTState Street Corporation	C	B	A	$193.33
XLFState Street Financial Select Sector SPDR ETF	—	—	C	$58.10
FITBFifth Third Bancorp	D	C	C	$54.54
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	A	D	D	$3.25
MTBM&T Bank Corp.	C	B	C	$237.29
NTRSNorthern Trust Corp	D	C	B	$186.79
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	A	D	D	$3.03
CFGCitizens Financial Group, Inc.	C	C	B	$69.71
FCNCAFirst Citizens BancShares Inc	C	B	C	$2194.07
EWBCEast-West Bancorp Inc	C	B	C	$129.44
ALLYAlly Financial Inc.	A	C	D	$42.18
BPOPPopular Inc	C	C	B	$169.75
WTFCWintrust Financial Corp	B	B	D	$152.95
SSBSouthState Bank Corporation	C	B	C	$105.98
PBProsperity Bancshares Inc	D	D	D	$72.30
WALWestern Alliance Bancorporation	B	B	D	$78.53
COLBColumbia Banking Systems Inc	B	C	D	$30.07
CBSHCommerce Bancshares Inc	C	D	D	$58.04
CBCCentral Bancompany, Inc. Class A Common Stock	D	C	A	$32.60
UBSIUnited Bankshares Inc	C	C	C	$47.60
GBCIGlacier Bancorp Inc	D	C	D	$46.88
HWCHancock Whitney Corporation Common Stock	C	C	C	$75.07
HOMBHome BancShares, Inc.	C	D	D	$29.62
ASBAssociated Banc-Corp	B	C	C	$30.92
AUBAtlantic Union Bankshares Corporation	C	B	D	$40.66
ABCBAmeris Bancorp	D	C	D	$85.59
FFINFirst Financial Bankshares Inc	D	D	F	$33.39
SFBSServisFirst Bancshares Inc.	D	B	D	$43.20
IBOCInternational Bancshares Corp	C	C	F	$70.93
TCBITexas Capital Bancshares, Inc.	C	C	D	$98.64
FBPFirst BanCorp.	C	C	B	$28.01
CATYCathay General Bancorp	C	C	C	$61.87
CVBFCVB Financial Corp	D	D	D	$22.19
INDBIndependent Bank Corp/MA	C	C	D	$82.06
RNSTRenasant Corporation	C	B	D	$41.09
FIBKFirst Interstate BancSystem, Inc. Common Stock (DE)	B	B	D	$37.04
MCHBMechanics Bancorp Class A Common Stock	D	C	C	$15.89
SBCFSeacoast Banking Corp of Florida	D	B	C	$34.37
FHBFirst Hawaiian, Inc. Common Stock	B	D	F	$25.79
BOHBank of Hawaii Corp.	C	C	D	$77.29
FBKFB Financial Corporation	D	B	D	$57.85
CUBICUSTOMERS BANCORP INC	B	B	D	$78.58
FBNCFirst Bancorp/NC	D	C	C	$63.99
BUSEFirst Busey Corporation Class A Common Stock	B	C	B	$30.29
SYBTStock Yards Bancorp, Inc.	D	C	C	$79.84
MBINMerchants Bancorp Common Stock	C	F	B	$53.41

About United Community Banks, Inc.

United Community Banks is a community bank providing deposit products, loans, wealth management, payment solutions, and insurance services to commercial, retail, and institutional customers. The company delivers these offerings through branches, digital channels, and mobile platforms, combining local market expertise with centralized operational support.