United Community Banks, Inc. (UCB)

Price$32.31

Value ScoreC

Growth ScoreC

Momentum ScoreD

Favorite Metrics

Price vs S&P 500 (26W)-5.17%

Price vs S&P 500 (4W)-6.67%

VGM Score46.45

Market Capitalization$3.89B

P/E Ratio (Annual)11.87x

Indicated Dividend Yield (Annual)3.03%

All Metrics

P/CF (Annual)10.14x

Book Value / Share (Quarterly)$30.54

P/TBV (Annual)1.42x

Indicated Dividend (Annual)$1.00

Cash Flow / Share (Quarterly)$2.71

Payout Ratio (TTM)36.13%

Price vs S&P 500 (YTD)-5.39%

EPS (TTM)$2.80

10-Day Avg Trading Volume0.62M

EPS Excl Extra (TTM)$2.80

EPS (Annual)$2.70

Dividend / Share (Annual)$1.03

ROI (Annual)8.54%

P/E Basic Excl Extra (TTM)11.42x

EPS Growth (5Y)6.51%

P/E Normalized (Annual)11.87x

ROA (Last FY)1.17%

EBITD / Share (TTM)$3.62

ROE (5Y Avg)8.91%

Cash Flow / Share (Annual)$2.96

P/B Ratio1.07x

P/B Ratio (Quarterly)1.03x

Net Income / Employee (Annual)$106,900

ROA (TTM)1.21%

EPS Growth QoQ (YoY)17.52%

EV / EBITDA (TTM)9.30x

EPS Incl Extra (Annual)$2.70

3-Month Avg Trading Volume0.86M

52-Week Price Return13.86%

EV / Free Cash Flow (Annual)11.26x

P/E Incl Extra (TTM)11.42x

Tangible BV / Share (Quarterly)$30.20

52-Week High$36.77

EPS Excl Extra (Annual)$2.70

CapEx CAGR (5Y)8.36%

26-Week Price Return10.76%

13-Week Price Return-4.02%

Total Debt / Equity (Annual)0.06x

Enterprise Value$4.01B

3-Month Return Std Dev26.21%

Net Income / Employee (TTM)$111,100

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)12.00x

EV / Free Cash Flow (TTM)12.37x

Total Debt / Equity (Quarterly)0.03x

EPS Incl Extra (TTM)$2.80

ROI (TTM)9.01%

Dividend Growth Rate (5Y)6.38%

Tangible BV / Share (Annual)$22.15

Forward P/E10.52x

Free OCF CAGR (5Y)20.51%

Price vs S&P 500 (52W)-14.35%

P/E Ratio (TTM)11.42x

EPS Growth TTM (YoY)28.89%

Year-to-Date Return5.54%

5-Day Price Return-0.81%

EPS Normalized (Annual)$2.70

ROA (5Y Avg)1.04%

Month-to-Date Return-1.14%

EBITD / Share (Annual)$3.48

EPS Growth (3Y)1.31%

LT Debt / Equity (Annual)0.03x

P/CF (TTM)10.98x

ROI (5Y Avg)7.98%

P/E Excl Extra (TTM)11.42x

LT Debt / Equity (Quarterly)0.03x

EPS Basic Excl Extra (TTM)$2.80

P/TBV (Quarterly)1.04x

Payout Ratio (Annual)37.56%

P/B Ratio (Annual)1.04x

Dividend / Share (TTM)$1.03

Book Value / Share (Annual)$30.17

Price vs S&P 500 (13W)-13.77%

Dividend Yield (TTM)3.16%

Beta0.85x

P/FCF (Annual)10.92x

ROE (TTM)9.40%

52-Week Low$27.23

vGradeC

gGradeC

mGradeD

vgmGradeC

Show chart for

Earnings Surprise History

Q1 260.70est. 0.71

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

3.73

3.64

3.73

Industry Peers — State Banks(184)

Symbol	Value Score	Growth Score	Momentum Score	Price
UCBUnited Community Banks, Inc.	C	C	D	$32.31
BNSBank of Nova Scotia	C	C	B	$78.61
BKBank of New York Mellon Corporation	D	B	A	$137.16
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	F	$7.79
DBDeutsche Bank Aktiengesellschaft	B	B	F	$32.19
FITBIFifth Third Bancorp Depositary Shares	D	C	C	$25.71
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M	D	C	C	$26.26
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	D	C	C	$18.52
FITBFifth Third Bancorp	D	C	C	$48.56
STTState Street Corporation	C	C	A	$159.79
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	B	C	F	$3.47

About

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.