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United Community Banks, Inc. (UCB)
Price$33.43
Favorite Metrics
Price vs S&P 500 (26W)0.33%
Price vs S&P 500 (4W)6.56%
Market Capitalization$3.99B
P/E Ratio (Annual)12.16x
Indicated Dividend Yield (Annual)2.99%
All Metrics
P/CF (Annual)10.39x
Book Value / Share (Quarterly)$30.17
P/TBV (Annual)1.42x
Indicated Dividend (Annual)$1.00
Cash Flow / Share (Quarterly)$2.96
Payout Ratio (TTM)37.56%
Price vs S&P 500 (YTD)4.31%
EPS (TTM)$2.70
10-Day Avg Trading Volume0.93M
EPS Excl Extra (TTM)$2.70
EPS (Annual)$2.70
Dividend / Share (Annual)$1.03
ROI (Annual)8.54%
P/E Basic Excl Extra (TTM)12.16x
EPS Growth (5Y)6.51%
P/E Normalized (Annual)12.16x
ROA (Last FY)1.17%
EBITD / Share (TTM)$3.48
ROE (5Y Avg)8.91%
Cash Flow / Share (Annual)$2.96
P/B Ratio1.10x
P/B Ratio (Quarterly)1.04x
Net Income / Employee (Annual)$0
ROA (TTM)1.17%
EPS Growth QoQ (YoY)12.44%
EV / EBITDA (TTM)9.93x
EPS Incl Extra (Annual)$2.70
3-Month Avg Trading Volume0.87M
52-Week Price Return40.12%
EV / Free Cash Flow (Annual)11.77x
P/E Incl Extra (TTM)12.16x
Tangible BV / Share (Quarterly)$22.15
52-Week High$36.77
EPS Excl Extra (Annual)$2.70
CapEx CAGR (5Y)8.36%
26-Week Price Return4.31%
13-Week Price Return2.14%
Total Debt / Equity (Annual)0.06x
Enterprise Value$4,195.665
3-Month Return Std Dev28.52%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)15.06%
EBITDA Interim CAGR (5Y)7.81%
ROE (Last FY)9.02%
EPS Basic Excl Extra (Annual)$2.70
P/FCF (TTM)11.19x
EV / Free Cash Flow (TTM)11.77x
Total Debt / Equity (Quarterly)0.06x
EPS Incl Extra (TTM)$2.70
ROI (TTM)8.68%
Dividend Growth Rate (5Y)6.38%
Tangible BV / Share (Annual)$22.15
Forward P/E11.17x
Free OCF CAGR (5Y)20.51%
Price vs S&P 500 (52W)10.29%
P/E Ratio (TTM)12.16x
EPS Growth TTM (YoY)28.30%
Year-to-Date Return6.95%
5-Day Price Return-4.16%
EPS Normalized (Annual)$2.70
ROA (5Y Avg)1.04%
Month-to-Date Return6.03%
EBITD / Share (Annual)$3.48
EPS Growth (3Y)1.31%
LT Debt / Equity (Annual)0.03x
P/CF (TTM)10.39x
ROI (5Y Avg)7.98%
P/E Excl Extra (TTM)12.16x
LT Debt / Equity (Quarterly)0.03x
EPS Basic Excl Extra (TTM)$2.70
P/TBV (Quarterly)1.42x
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)1.45%
Dividend Yield (TTM)3.09%
Beta0.88x
P/FCF (Annual)11.19x
ROE (TTM)9.15%
52-Week Low$23.19
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
3.73
3.73
3.64
3.64
Industry Peers — State Banks(184)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
UCBUnited Community Banks, Inc. | 1.04x | 9.15% | 1.17% | — | $33.43 |
ITUBItau Unibanco Holding S.A. American Depositary Shares | 2.03x | 20.76% | 1.50% | — | $9.33 |
BNSBank of Nova Scotia | 1.45x | 10.41% | 0.62% | — | $75.00 |
BKBank of New York Mellon Corporation | 1.83x | 12.66% | 1.20% | — | $134.84 |
FITBFifth Third Bancorp | 1.42x | 11.96% | 1.19% | — | $49.52 |
FITBIFifth Third Bancorp Depositary Shares | 1.42x | 11.96% | 1.19% | — | $25.32 |
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 | 1.42x | 11.96% | 1.19% | — | $25.83 |
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | 1.42x | 11.96% | 1.19% | — | $19.38 |
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A | 1.42x | 11.96% | 1.19% | — | $24.05 |
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | 1.04x | 9.84% | 0.81% | — | $4.15 |
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value) | 1.04x | 9.84% | 0.81% | — | $3.72 |
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.