Indicators
Indicators
Value
Direction
MACD(12,26,9)
0.052
Buy
RSI(14)
65.521
Neutral
STOCH(KDJ)(9,3,3)
62.801
Neutral
ATR(14)
0.581
High Vlolatility
CCI(14)
46.915
Neutral
Williams %R
20.000
Overbought
TRIX(12,20)
0.305
Sell
StochRSI(14)
100.000
Buy
United Community Banks Inc
UCB32.145USD
-0.375-1.15%
Market hours （ET）Quotes delayed by 15 min
3.91BMarket Cap
12.70P/E TTM
TradingKey Stock Score
Overall Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Peer Comparison
TradingKey Stock Score of United Community Banks Inc
Currency: USD Updated: 2025-12-24Key Insights
United Community Banks Inc's fundamentals are relatively healthy, and its growth potential is high.Its valuation is considered fairly valued, ranking 87/402 in the Banking Services industry.Institutional ownership is very high.Over the past month, multiple analysts have rated it as Buy, with the highest price target at 34.92.In the medium term, the stock price is expected to remain stable.The company has been performing well in the stock market over the past month, which is supported by its strong fundamentals and technicals.The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.
United Community Banks Inc's Score
Support & Resistance
Relevant data have not been disclosed by the company yet.
Score Analysis
Current score
Previous score
Analyst Rating
Based on
7
analysts
Buy
Current Rating
34.917
Target Price
+11.88%
Upside Space
Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.
United Community Banks Inc Highlights
StrengthsRisks
United Community Banks, Inc. is the financial holding company for United Community (the Bank). The Bank offers a full range of banking, mortgage and wealth management services. The Bank operates approximately 201 offices across Alabama, Florida, Georgia, North Carolina, South Carolina, Miami and Tennessee. The Company also manages a national SBA lending franchise and a national equipment finance subsidiary, extending its reach to businesses across the country. It provides a range of financial products and services to the commercial, retail, governmental, educational, energy, healthcare 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.
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%.
Overvalued
The company’s latest PB is 1.10, at a high 3-year percentile range.
Institutional Selling
The latest institutional holdings are 104.54M shares, decreasing 2.56% quarter-over-quarter.
Held by CI Select Canadian Equity Fund
Star Investor CI Select Canadian Equity Fund holds 519.00 shares of this stock.
Financial Health
Currency: USD Updated: 2025-12-24The current financial score of United Community Banks Inc is 7.28, ranking 219/402 in the Banking Services industry. Its financial status is stable, and its operating efficiency is average. Its latest quarterly revenue reached 272.99M, representing a year-over-year increase of 27.57%, while its net profit experienced a year-over-year increase of 89.31%.
Score
Financials
6.43
Key Metrics
Cash and cash equivalents
Total assets
Total liabilities
Free cash flow
Relevant data have not been disclosed by the company yet.
Quality of Earnings
6.39
Operational Efficiency
6.72
Growth Potential
8.25
Shareholder Returns
8.63
United Community Banks Inc's Company Valuation
Currency: USD Updated: 2025-12-24The current valuation score of United Community Banks Inc is 5.35, ranking 396/402 in the Banking Services industry. Its current P/E ratio is 12.84, which is 76.93% below the recent high of 22.73 and 37.16% above the recent low of 8.07.
Score
Valuation Dimensions
P/E
P/B
P/S
P/CF
Industry Ranking 87/402
Relevant data have not been disclosed by the company yet.
Earnings Forecast
Currency: USD Updated: 2025-12-24The current earnings forecast score of United Community Banks Inc is 7.14, ranking 202/402 in the Banking Services industry. The average price target for United Community Banks Inc is 35.00, with a high of 36.00 and a low of 33.50.
Score
Support & Resistance
Relevant data have not been disclosed by the company yet.
Analyst Rating
Based on
7
analysts
Buy
Current Rating
34.917
Target Price
+11.88%
Upside Space
Strong Buy
Buy
Hold
Sell
Strong Sell
Peer Comparison
304
Total
4
Median
5
Average
Company name
Ratings
Analysts
United Community Banks Inc
UCB
7
JPMorgan Chase & Co
JPM
26
Bank of America Corp
BAC
26
Wells Fargo & Co
WFC
26
Regions Financial Corp
RF
25
US Bancorp
USB
25
1
2
3
...
61
Financial Forecasting
EPS
Revenue
Net Profit
EBIT
Relevant data have not been disclosed by the company yet.
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: 2025-12-24The current price momentum score of United Community Banks Inc is 8.57, ranking 161/402 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 33.47 and the support level at 30.98, making it suitable for range-bound swing trading.
Score
Support & Resistance
Relevant data have not been disclosed by the company yet.
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.
Moving Average
Indicators
Value
Direction
MA5
32.406
Sell
MA10
32.386
Sell
MA20
31.789
Buy
MA50
30.659
Buy
MA100
31.233
Buy
MA200
29.963
Buy
Institutional Confidence
Currency: USD Updated: 2025-12-24The current institutional shareholding score of United Community Banks Inc is 7.00, ranking 58/402 in the Banking Services industry. The latest institutional shareholding proportion is 86.00%, representing a quarter-over-quarter decrease of 0.18%. The largest institutional shareholder is The Vanguard, holding a total of 14.35M shares, representing 11.81% of shares outstanding, with 0.29% increase in holdings.
Score
Institutional Shareholding
Relevant data have not been disclosed by the company yet.
Shareholder Activity
Name
Shares Held
Chg %
BlackRock Institutional Trust Company, N.A.
Fidelity Management & Research Company LLC
Dimensional Fund Advisors, L.P.
State Street Investment Management (US)
Neuberger Berman, LLC
EARNEST Partners, LLC
Geode Capital Management, L.L.C.
Fidelity Institutional Asset Management
Nomura Investment Management Business Trust
1
2
Risk Assessment
Currency: USD Updated: 2025-12-24The current risk assessment score of United Community Banks Inc is 8.34, ranking 74/402 in the Banking Services industry. The company's beta value is 0.84. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.
Score
Beta vs S&P 500 index
0.84
VaR
+3.15%
240-Day Maximum Drawdown
+31.73%
240-Day Volatility
+32.42%
Return
Best Daily Return
60 days
+3.25%
120 days
+4.67%
5 years
+14.25%
Worst Daily Return
60 days
-6.56%
120 days
-6.56%
5 years
-8.81%
Sharpe Ratio
60 days
+0.65
120 days
+0.31
5 years
+0.18
Risk Assessment
Maximum Drawdown
240 days
+31.73%
3 years
+36.91%
5 years
+46.16%
Return-to-Drawdown Ratio
240 days
+0.28
3 years
+0.00
5 years
-0.03
Skewness
240 days
-0.38
3 years
+0.35
5 years
+0.16
Volatility
Realised Volatility
240 days
+32.42%
5 years
+35.33%
Standardised True Range
240 days
+2.43%
5 years
+2.78%
Downside Risk-Adjusted Return
120 days
+42.25%
240 days
+42.25%
Maximum Daily Upside Volatility
60 days
+18.38%
Maximum Daily Downside Volatility
60 days
+21.75%
Liquidity
Average Turnover Rate
60 days
+0.56%
120 days
+0.63%
5 years
--
Turnover Deviation
20 days
-11.90%
60 days
+3.64%
120 days
+17.30%
Peer Comparison
Banking Services
United Community Banks Inc
UCB
7.30 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Credicorp Ltd
BAP
8.84 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
East West Bancorp Inc
EWBC
8.84 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
AerCap Holdings NV
AER
8.84 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Citizens Financial Group Inc
CFG
8.79 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Wintrust Financial Corp
WTFC
8.65 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
View more
FAQs
How does TradingKey generate the Stock Score of United Community Banks Inc?
The TradingKey Stock Score provides a comprehensive assessment of United Community Banks Inc based on 34 indicators derived from over 100 underlying data points. These indicators are categorised into six key dimensions: financial health, company profile, earnings forecasts, price momentum, institutional confidence, and risk assessment, collectively providing investors with a thorough analysis of United Community Banks Inc’s performance and outlook.
How do we generate the financial health score of United Community Banks Inc?
To generate the financial health score of United Community Banks Inc, we analyse various key financial indicators across several core dimensions, including financial fundamentals, earnings quality, operational efficiency, growth potential, and shareholder returns. By integrating these comprehensive data, the financial health score not only reflects United Community Banks Inc's overall stability, operational efficiency, and growth potential but also captures the investment returns delivered to shareholders. This score aims to support rational decision-making for investors and other stakeholders. A higher score indicates a better financial health of United Community Banks Inc.
How do we generate the company valuation score of United Community Banks Inc?
To generate the company valuation score of United Community Banks Inc, we use several key financial ratios, including P/E, P/B, P/S, and P/CF. These metrics compare United Community Banks Inc’s market value to its earnings, assets, sales, and cash flow, serving as core indicators for assessing company value. By analysing these ratios in an all-round manner, the valuation score reflects not only the market’s current perception of United Community Banks Inc’s value but also its future profitability and growth potential, thereby supporting more informed investment decisions. A higher score indicates a fairer valuation of United Community Banks Inc.
How do we generate the earnings forecast score of United Community Banks Inc?
To calculate the earnings forecast score of United Community Banks Inc, we consider various key indicators such as analyst ratings, financial forecasts, support and resistance levels, and peer comparisons:Current ratings and price targets directly reflect analysts’ expectations, while the upside space indicates their views on the stock’s growth potential.Financial metrics like earnings per share (EPS), revenue, net income, and earnings before interest and taxes (EBIT) are core measures for assessing profitability.By analysing the high, median, and low ranges of the target price, we can identify price trends and determine key support and resistance levels.Comparing these indicators against peers provides context for the stock’s performance and helps
anchor more realistic expectations.These factors together form a comprehensive earnings forecast score that accurately reflects the stock’s expected financial performance and growth potential. A higher score suggests that analysts have a more optimistic outlook on United Community Banks Inc’s future.
How do we generate the price momentum score of United Community Banks Inc?
When generating the price momentum score for United Community Banks Inc, we examine momentum indicators including support and resistance levels as well as volume metrics.Support levels represent price points where buying interest is strong enough to prevent further declines, while resistance levels indicate prices where selling pressure may hinder upward movement. By analysing typical price volume alongside total volume, we assess overall market activity and liquidity. These indicators help identify price trends and potential shifts, enabling more accurate predictions of future earnings.This comprehensive approach can reflect market sentiment and enable rational forecasts of United Community Banks Inc’s prices. A higher score indicates a more stable short-term price trend for United Community Banks Inc.
How do we generate the institutional confidence score of United Community Banks Inc?
To generate the institutional confidence score of United Community Banks Inc, we analyse both the proportion of shares held by institutions and the number of shares they own. A higher institutional ownership percentage indicates strong confidence of professional investors, which is generally a positive signal about United Community Banks Inc’s potential. By examining the number of shares held, we gain deeper insight into institutions’ commitment and attitude toward the stock, as institutional investors typically conduct thorough analysis before making investment decisions. Understanding institutional confidence helps us refine earnings forecasts and provides a more reliable perspective on the company’s future performance and market stability. A higher score indicates greater institutional endorsement of United Community Banks Inc.
How do we generate the risk management score of United Community Banks Inc?
To assess the risk management score of United Community Banks Inc, we examine multiple key indicators related to returns, risk, volatility, and liquidity.The highest and lowest daily returns reflect the potential size of gains and losses, while the Sharpe ratio measures risk-adjusted return performance. On the risk side, we analyse maximum drawdown and the return-to-drawdown ratio to identify extreme loss scenarios. Skewness helps assess the distribution of returns and whether performance may be biased. Volatility indicators—such as realised volatility and standardised true range—reveal price fluctuations. Downside risk-adjusted returns provide insight into potential losses and gains. Lastly, liquidity metrics like average turnover rate and turnover deviation indicate how actively the stock is traded.These indicators together provide a multi-dimensional understanding of United Community Banks Inc’s risk-return profile, serving as core factors of the risk management score. A higher score indicates lower risk on the side of United Community Banks Inc.
