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United Community Banks Inc

UCB

30.930USD

-0.420-1.34%

Close 03/27, 16:00（ET）Quotes delayed by 15 min

1.78BMarket Cap

11.79P/E TTM



United Community Banks Inc

30.930

-0.420-1.34%

Overview Financials Analysis Company

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Financials

Analysis

Company

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: 2026-03-27

Key Insights

United Community Banks Inc's fundamentals are relatively healthy, with an industry-leading ESG disclosure.and its growth potential is high.Its valuation is considered fairly valued, ranking 130 out of 400 in the Banking Services industry.Institutional ownership is very high.Over the past month, multiple analysts have rated it as Hold, with the highest price target at 37.33.In the medium term, the stock price is expected to remain stable.Despite an average stock market performance over the past month, the company shows strong 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

Industry at a Glance

Industry Ranking

130 / 400

Overall Ranking

216 / 4542

Industry

Banking Services

Support & Resistance

Relevant data have not been disclosed by the company yet.

Score Analysis

Current score

Previous score

Media Coverage

Last 24 hours

Coverage Level

Very Low

Very High

Negative

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 Growth

The company's revenue has grown steadily over the past 3 years, averaging 18.28% year-on-year.

High Profit Growth

The company's net income leads the industry, with the latest annual income totaling USD 1.05B.

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 1.03, at a medium 3-year percentile range.

Institutional Selling

The latest institutional holdings are 105.27M shares, decreasing 3.01% quarter-over-quarter.

Held by HACAX

Star Investor HACAX holds 49.82K shares of this stock.

Analyst Rating

Based on 7 analysts

Hold

Current Rating

37.333

Target Price

+20.12%

Upside Space

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

Financial Health

Currency: USD Updated: 2026-03-27

The current financial score of United Community Banks Inc is 5.39, ranking 320 out of 400 in the Banking Services industry. Its financial status is stable, and its operating efficiency is low. Its latest quarterly revenue reached 273.78M, representing a year-over-year increase of 11.68%, while its net profit experienced a year-over-year increase of 16.48%.

Score

Industry at a Glance

Previous score

5.39

Change



Financials

6.48

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

4.36

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

Relevant data have not been disclosed by the company yet.



Operational Efficiency

3.03

Key Metrics

Cash flow from operating activities

Income after tax

Relevant data have not been disclosed by the company yet.



Growth Potential

8.03

Key Metrics

Cash flow from operating activities

Total revenue

Relevant data have not been disclosed by the company yet.



Shareholder Returns

5.07

Key Metrics

Free cash flow

Relevant data have not been disclosed by the company yet.

United Community Banks Inc's Company Valuation

Currency: USD Updated: 2026-03-27

The current valuation score of United Community Banks Inc is 5.35, ranking 387 out of 400 in the Banking Services industry. Its current P/E ratio is 11.79, which is 92.71% below the recent high of 22.73 and 31.55% above the recent low of 8.07.

Score

Industry at a Glance

Previous score

5.35

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 130/400

Relevant data have not been disclosed by the company yet.

Earnings Forecast

Currency: USD Updated: 2026-03-27

The current earnings forecast score of United Community Banks Inc is 6.86, ranking 224 out of 400 in the Banking Services industry. The average price target is 35.00, with a high of 36.00 and a low of 33.50.

Score

Industry at a Glance

Previous score

6.86

Change

Support & Resistance

Relevant data have not been disclosed by the company yet.

Analyst Rating

Based on 7 analysts

Hold

Current Rating

37.333

Target Price

+20.12%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

307

Total

Median

Average

Company name

Ratings

Analysts

United Community Banks Inc

UCB

JPMorgan Chase & Co

JPM

Wells Fargo & Co

WFC

Bank of America Corp

BAC

US Bancorp

USB

PNC Financial Services Group Inc

PNC

...

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: 2026-03-27

The current price momentum score of United Community Banks Inc is 7.16, ranking 145 out of 400 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 32.71 and the support level at 29.27, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

7.26

Change

-0.1

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.

Indicators

Sell(2)

Neutral(4)

Buy(1)

Indicators

Value

Direction

MACD(12,26,9)

0.422

Neutral

RSI(14)

43.592

Neutral

STOCH(KDJ)(9,3,3)

77.335

Neutral

ATR(14)

0.702

Low Volatility

CCI(14)

83.828

Neutral

Williams %R

28.846

Buy

TRIX(12,20)

-0.413

Sell

StochRSI(14)

48.265

Sell

Moving Average

Sell(4)

Neutral(0)

Buy(2)

Indicators

Value

Direction

MA5

31.044

Sell

MA10

30.480

Buy

MA20

30.849

Buy

MA50

33.055

Sell

MA100

32.168

Sell

MA200

31.598

Sell

Institutional Confidence

Currency: USD Updated: 2026-03-27

The current institutional shareholding score of United Community Banks Inc is 7.00, ranking 56 out of 400 in the Banking Services industry. The latest institutional shareholding proportion is 87.29%, representing a quarter-over-quarter increase of 1.50%. The largest institutional shareholder is The Vanguard, holding a total of 14.47M shares, representing 12.10% of shares outstanding, with 2.78% increase in holdings.

Score

Industry at a Glance

Previous score

7.00

Change

Institutional Shareholding

Relevant data have not been disclosed by the company yet.

Shareholder Activity

Name

Shares Held

Chg %

BlackRock Institutional Trust Company, N.A.

16.24M

-0.79%

The Vanguard Group, Inc.

Star Investors

14.35M

-0.60%

Fidelity Management & Research Company LLC

6.35M

-4.73%

Dimensional Fund Advisors, L.P.

6.34M

+0.98%

State Street Investment Management (US)

5.99M

+0.96%

Neuberger Berman, LLC

5.26M

+4.64%

EARNEST Partners, LLC

3.66M

-5.08%

Geode Capital Management, L.L.C.

2.90M

+0.56%

Nomura Investment Management Business Trust

2.21M

-8.82%

Fidelity Institutional Asset Management

2.56M

-8.32%

Risk Assessment

Currency: USD Updated: 2026-03-27

The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The current risk assessment score of United Community Banks Inc is 8.77, ranking 60 out of 400 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. with an industry-leading ESG disclosure.