United Community Banks, Inc. (UCB) Stock Price

UCBStock

$34.09+15.64%52W

Market Cap$4.11B

P/E12.53x

PEG Ratio1.67

Div yield2.84%

Beta0.90

UCB Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)-9.08%

Price vs S&P 500 (4W)-0.12%

PEG Ratio1.67

VGM Score55.39

P/E Ratio (Annual)12.53x

Indicated Dividend Yield (Annual)2.84%

P/CF (Annual)10.70x

Book Value / Share (Quarterly)$31.27

P/TBV (Annual)1.42x

Indicated Dividend (Annual)$1.04

Cash Flow / Share (Quarterly)$3.02

Payout Ratio (TTM)32.53%

Price vs S&P 500 (YTD)-2.73%

EPS (TTM)$3.12

10-Day Avg Trading Volume0.98M

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)10.88x

EPS Growth (5Y)6.51%

P/E Normalized (Annual)12.53x

ROA (Last FY)1.17%

EBITD / Share (TTM)$3.62

ROE (5Y Avg)8.91%

Cash Flow / Share (Annual)$2.96

P/B Ratio1.10x

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 Volume0.93M

52-Week Price Return15.64%

EV / Free Cash Flow (Annual)12.60x

P/E Incl Extra (TTM)10.88x

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 Return0.83%

13-Week Price Return-6.47%

Total Debt / Equity (Annual)0.06x

Enterprise Value$4.49B

3-Month Return Std Dev16.67%

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)11.38x

EV / Free Cash Flow (TTM)12.43x

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/E10.55x

Free OCF CAGR (5Y)20.51%

Price vs S&P 500 (52W)0.11%

P/E Ratio (TTM)10.88x

EPS Growth TTM (YoY)37.38%

Year-to-Date Return9.19%

5-Day Price Return1.52%

EPS Normalized (Annual)$2.70

ROA (5Y Avg)1.04%

Month-to-Date Return2.22%

EBITD / Share (Annual)$3.48

EPS Growth (3Y)1.31%

LT Debt / Equity (Annual)0.03x

P/CF (TTM)10.58x

ROI (5Y Avg)7.98%

P/E Excl Extra (TTM)10.88x

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)-9.16%

Dividend Yield (TTM)2.99%

Beta0.90x

P/FCF (Annual)11.53x

ROE (TTM)10.33%

52-Week Low$28.65

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gGradeB

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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

Jun 2026

Jul 2026

Aug 2026

Sep 2026

3.73

Industry Peers — State Banks(190)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
UCBUnited Community Banks, Inc.	C	B	C	1.1x	10.3%	1.3%	—	$34.09
BNSBank of Nova Scotia	D	C	A	1.7x	11.4%	0.7%	—	$91.60
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	C	2.2x	22.1%	1.5%	—	$9.44
BNYBank of New York Mellon Corporation	F	C	C	2.3x	14.8%	1.3%	—	$143.30
DBDeutsche Bank Aktiengesellschaft	A	C	D	0.7x	9.3%	0.5%	—	$32.57
XLFState Street Financial Select Sector SPDR ETF	—	—	C	—	—	—	—	$55.52
FITBFifth Third Bancorp	D	C	D	1.2x	8.9%	0.9%	—	$50.37
STTState Street Corporation	C	B	C	1.7x	13.1%	0.9%	—	$165.72
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	B	C	C	1.0x	14.3%	1.1%	—	$3.96
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	B	C	C	1.0x	14.3%	1.1%	—	$3.55
MTBM&T Bank Corp.	B	B	D	1.2x	10.7%	1.4%	—	$215.28
NTRSNorthern Trust Corp	D	C	C	2.4x	17.1%	1.3%	—	$165.54
CFGCitizens Financial Group, Inc.	C	C	D	1.1x	8.1%	0.9%	—	$63.36
FCNCAFirst Citizens BancShares Inc	C	B	B	1.1x	10.7%	1.0%	—	$2123.74
EWBCEast-West Bancorp Inc	C	B	C	1.9x	16.2%	1.8%	—	$126.88
ALLYAlly Financial Inc.	A	C	F	0.9x	9.4%	0.7%	—	$37.68
BPOPPopular Inc	C	C	B	1.6x	15.4%	1.3%	—	$158.89
SSBSouthState Bank Corporation	C	B	C	1.1x	10.5%	1.4%	—	$102.06
WTFCWintrust Financial Corp	B	B	D	1.4x	12.3%	1.3%	—	$144.08
PBProsperity Bancshares Inc	D	D	D	0.9x	7.1%	1.4%	—	$67.79
WALWestern Alliance Bancorporation	B	B	D	1.1x	12.9%	1.0%	—	$74.51
COLBColumbia Banking Systems Inc	B	C	D	1.2x	9.2%	1.1%	—	$28.44
CBCCentral Bancompany, Inc. Class A Common Stock	F	B	A	1.9x	11.7%	2.1%	—	$33.42
CBSHCommerce Bancshares Inc	C	D	C	1.9x	14.4%	1.7%	—	$55.69
UBSIUnited Bankshares Inc	C	C	B	1.1x	9.4%	1.5%	—	$46.69
HWCHancock Whitney Corporation Common Stock	C	C	C	1.4x	9.6%	1.2%	—	$73.03
HOMBHome BancShares, Inc.	C	D	C	1.2x	10.9%	2.0%	—	$29.20
GBCIGlacier Bancorp Inc	D	C	D	1.6x	7.6%	1.0%	—	$43.83
ASBAssociated Banc-Corp	B	C	C	0.9x	9.9%	1.1%	—	$28.96
AUBAtlantic Union Bankshares Corporation	C	B	D	1.2x	9.7%	1.3%	—	$38.11
ABCBAmeris Bancorp	C	C	D	1.5x	9.3%	1.4%	—	$79.72
FFINFirst Financial Bankshares Inc	D	D	F	2.5x	14.3%	1.8%	—	$30.47
SFBSServisFirst Bancshares Inc.	D	B	D	2.4x	17.1%	1.8%	—	$39.36
IBOCInternational Bancshares Corp	C	C	D	1.4x	12.7%	2.5%	—	$67.34
FBPFirst BanCorp.	C	C	B	2.0x	19.0%	1.9%	—	$27.37
CATYCathay General Bancorp	C	C	C	1.4x	11.7%	1.4%	—	$59.96
TCBITexas Capital Bancshares, Inc. Common Stock, par value $0.01 per share	C	C	D	1.2x	10.0%	1.1%	—	$91.15
CVBFCVB Financial Corp	C	D	C	1.3x	8.2%	1.2%	—	$21.87
INDBIndependent Bank Corp/MA	C	C	C	1.2x	7.7%	1.1%	—	$79.88
RNSTRenasant Corporation	C	B	C	1.0x	8.1%	1.2%	—	$39.91
FIBKFirst Interstate BancSystem, Inc. Common Stock (DE)	B	B	D	1.1x	9.6%	1.2%	—	$34.82
MCHBMechanics Bancorp Class A Common Stock	D	C	D	1.2x	9.9%	1.2%	—	$14.35
SBCFSeacoast Banking Corp of Florida	D	B	C	1.1x	5.6%	0.8%	—	$32.54
FHBFirst Hawaiian, Inc. Common Stock	B	D	D	1.3x	10.3%	1.2%	—	$24.95
BOHBank of Hawaii Corp.	C	C	D	1.7x	12.8%	1.0%	—	$67.23
FBKFB Financial Corporation	D	B	F	1.3x	12.0%	1.4%	—	$51.54
CUBICUSTOMERS BANCORP INC	B	B	C	1.2x	13.6%	1.1%	—	$74.78
FBNCFirst Bancorp/NC	D	B	C	1.5x	8.0%	1.0%	—	$60.36
BUSEFirst Busey Corporation Class A Common Stock	B	C	B	1.0x	9.5%	1.3%	—	$29.43
SYBTStock Yards Bancorp, Inc.	D	C	C	1.8x	13.4%	1.6%	—	$76.69
BANRBanner Corp.	C	D	C	1.1x	10.7%	1.3%	—	$67.57

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.

UCB Next Earnings Report

Report dateOct 20, 2026

QuarterQ3 2026

Report timeBMO

EPS estimate$0.77

Revenue estimate$282.12M

Also reporting on Oct 20, 2026

Scheduled date with consensus estimates — both can change before the company reports.

Earnings calendar for October 2026

UCB Insider Transactions

BuyAug 10, 2026
CARANDE CARL STEVEN
Director
Shares: 2,101Value: $74,270
SellJul 28, 2026
HARRALSON JEFFERSON L.
Chief Financial Officer
Shares: 25,000Value: $885,250
SellJul 27, 2026
BRADSHAW RICHARD W
Officer
Shares: 1,424Value: $49,968

Open-market buys and sells filed with the SEC over the last 90 days. Grants, gifts and option exercises are excluded.

All insider transactions for August 2026

Companies in Related Industries

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WSFSWSFS Financial CorpNational Banks
BANFBancfirst CorpNational Banks
WSBCWesBanco IncNational Banks

Same SIC sector, outside this company's own industry.

Analyst Sentiment

3.7

Buy

Consensus rating

52-Week Range

Low$28.65

High$37.18