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United Community Banks Inc

UCB

32.230USD

-0.160-0.49%

Close 09/19, 16:00（ET）Quotes delayed by 15 min

3.91BMarket Cap

14.75P/E TTM



United Community Banks Inc

32.230

-0.160-0.49%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated: 2025-09-19

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Buy. Despite an average stock market performance, the company shows strong fundamentals and technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Industry Ranking

119 / 400

Overall Ranking

239 / 4720

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 7 analysts

Buy

Current Rating

34.917

Target Price

+7.80%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Company Highlights

StrengthsRisks

United Community Banks, Inc. is a financial holding company for United Community Bank (the Bank). It provides a range of financial products and services to the commercial, retail, governmental, educational, energy, health care and real estate sectors. This includes a variety of deposit products, secured and unsecured loans, mortgage loans, payment and commerce solutions, equipment finance services, wealth management, trust services, private banking, investment advisory services, insurance services, and other related financial services. These products and services are delivered through a variety of channels including its branches, other offices, the Internet, and mobile applications. Its deposit products include checking accounts, savings accounts, money market accounts and other deposit accounts. Its investment portfolio includes residential and commercial mortgage-backed securities, asset-backed securities, United States agency and municipal obligations.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 46.27%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 46.27%.

Fairly Valued

The company’s latest PB is 1.11, at a medium 3-year percentile range.

Institutional Selling

The latest institutional holdings are 104.62M shares, decreasing 3.52% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 14.44M shares of this stock.

Financial Health

Currency: USD Updated: 2025-09-19

The company's current financial score is 6.20, which is lower than the Banking Services industry's average of 7.06. Its financial status is stable, and its operating efficiency is low. Its latest quarterly revenue reached 255.97M, representing a year-over-year increase of 5.43%, while its net profit experienced a year-over-year increase of 18.63%.

Score

Industry at a Glance

Previous score

6.20

Change



Financials

6.85

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

5.32

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

5.11

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

7.94

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

5.80

Key Metrics

Free cash flow

No Data

Company Valuation

Currency: USD Updated: 2025-09-19

The company’s current valuation score is 1.20, which is lower than the Banking Services industry's average of 1.34. Its current P/E ratio is 14.69, which is 12.65% below the recent high of 16.55 and 12.18% above the recent low of 12.90.

Score

Industry at a Glance

Previous score

1.20

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 119/400

No Data

Earnings Forecast

Currency: USD Updated: 2025-09-19

The company’s current earnings forecast score is 7.14, which is lower than the Banking Services industry's average of 7.39. The average price target for United Community Banks Inc is 35.75, with a high of 36.00 and a low of 32.00.

Score

Industry at a Glance

Previous score

7.14

Change

Support & Resistance

No Data

Analyst Rating

Based on 7 analysts

Buy

Current Rating

34.917

Target Price

+7.80%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

306

Total

Median

Average

Company name

Ratings

Analysts

United Community Banks Inc

UCB

JPMorgan Chase & Co

JPM

Bank of America Corp

BAC

Wells Fargo & Co

WFC

US Bancorp

USB

Regions Financial Corp

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-09-19

The company’s current price momentum score is 7.08, which is lower than the Banking Services industry's average of 8.43. Sideways: Currently, the stock price is trading between the resistance level at 33.96 and the support level at 30.89, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

7.08

Change

-0.1

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(2)

Neutral(3)

Buy(2)

Indicators

Value

Direction

MACD(12,26,9)

-0.353

Neutral

RSI(14)

51.103

Neutral

STOCH(KDJ)(9,3,3)

47.641

Buy

ATR(14)

0.656

Low Volatility

CCI(14)

-42.410

Neutral

Williams %R

59.539

Sell

TRIX(12,20)

0.080

Sell

StochRSI(14)

86.883

Buy

Moving Average

Sell(2)

Neutral(0)

Buy(4)

Indicators

Value

Direction

MA5

31.826

Buy

MA10

32.241

Sell

MA20

32.723

Sell

MA50

31.663

Buy

MA100

30.417

Buy

MA200

30.460

Buy

Institutional Confidence

Currency: USD Updated: 2025-09-19

The company’s current institutional recognition score is 7.00, which is higher than the Banking Services industry's average of 6.22. The latest institutional shareholding proportion is 86.16%, representing a quarter-over-quarter decrease of 0.53%. The largest institutional shareholder is The Vanguard, holding a total of 14.44M shares, representing 11.89% of shares outstanding, with 2.11% increase in holdings.

Score

Industry at a Glance

Previous score

7.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

BlackRock Institutional Trust Company, N.A.

16.31M

-0.88%

The Vanguard Group, Inc.

Star Investors

14.30M

+2.94%

Fidelity Management & Research Company LLC

6.61M

-0.89%

Dimensional Fund Advisors, L.P.

6.15M

+1.53%

State Street Global Advisors (US)

6.13M

-6.45%

Neuberger Berman, LLC

4.44M

+6.31%

EARNEST Partners, LLC

3.45M

-1.74%

Geode Capital Management, L.L.C.

2.82M

+3.21%

Fidelity Institutional Asset Management

2.79M

-4.64%

Macquarie Investment Management

2.36M

+3.29%

Risk Assessment

Currency: USD Updated: 2025-09-19

The company’s current risk assessment score is 5.09, which is lower than the Banking Services industry's average of 5.23. The company's beta value is 0.85. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.