United Community Banks, Inc.
UCB · Price history
Price at last available close
$36.56
+$2.57 (+7.56%) 1M
2026-10-28
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Company & revenue
About United Community Banks, Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
United Community Banks, Inc. functions as the parent entity for United Community Bank, through which it delivers a comprehensive array of financial solutions. These offerings cater to a diverse clientele, encompassing commercial enterprises, individual consumers, governmental bodies, educational institutions, and entities within the energy, healthcare, and real estate industries. Its core banking activities include accepting various deposit accounts, such as checking, savings, and money market options.
How they make money
United Community Banks, Inc. operates as a bank holding company that generates revenue primarily through net interest income earned on loans and investment securities, as well as non-interest income from service charges on deposit accounts, wealth management fees, insurance commissions, and mortgage banking activities.
Products & services
The company provides commercial and retail banking, private wealth management, investment advisory, trust services, insurance products, and specialized lending including SBA/USDA and equipment finance.
Brands & revenue mix
The primary banking brand through which the company delivers its financial services.
Separate brand revenue is not available in this research.Source
The brand for private banking, investment management, and trust services.
Separate brand revenue is not available in this research.Source
The brand for insurance products and services.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
Customer concentration
The company does not have a concentration of customers that individually account for more than 10% of its total revenue as of the fiscal year ended December 31, 2025.
Suppliers, materials & equipment
- Technology and core banking service providers — The company relies on third-party vendors for core banking systems, data processing, and digital banking infrastructure.Source
Strengths
Sources
Financial risk observations and what to check
These are saved observations about business performance, not predictions. Review the company filings alongside the interpretation below. Latest stored financial period end: 2026-06-30.
Total debt increased 145.3% versus the same quarter last year.
Compare the added borrowing with available cash, cash generation and maturities. A percentage increase from a small starting balance can look large without measuring the full debt burden.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
55
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
53
Fair
Financial Strength
34
Business Quality / Moat
64
Management
82
Growth Quality
29
Risk / Durability
62
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
77
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
71/100
Building Historical Record
Model Score 71/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently positive.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Debt service risk
- •Repurchase headline · Sep 8, 2026
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for UCB
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can UCB maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is UCB's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is UCB's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is UCB's valuation discount tied to a temporary concern or to a longer-term business risk?
- •What does the current fundamental change risk warning mean for the reliability or interpretation of UCB's score?
Essential Investment Snapshot
Wall Street Score
55
Opportunity Score
77
Market Cap
$4.38B
P/E Ratio
11.0
EPS
$3.06
52-Week High
$37.18
52-Week Low
$28.65
Beta
0.90
Intrinsic Value
$117.81
Analyst Target
$40.00
Shares Outstanding
121.8M
Total Revenue
$1.56B
Total Debt
$380.6M
Reported Dividend Yield
2.93%
Liquidation Value / Share
$30.74
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Building upward momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for UCB
Detected from reported data — verify before acting.Dividend history reported
The provider reports a dividend yield. Confirm the latest declaration before treating it as a current payment.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Debt service risk
Interest coverage is low (~0.9x). Earnings may be strained to cover interest expense.
Repurchase headline · Sep 8, 2026
United Community Banks, Inc. Announces Completion of Strategic Initiatives That Simplify and Strengthen Balance Sheet; Increased Share Repurchase Authorization — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
GlobeNewsWireCommunity Sentiment
0 active · 0 total callsNo personal call yet on UCB.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Strong customer satisfaction ratings and brand reputation in the Southeast region.
- +Diversified revenue streams through wealth management and insurance services.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Banks - Regional industry.
- −Interest rate fluctuations affecting net interest margin.
- −Credit risk associated with loan portfolio performance.
- −Regulatory and compliance risks inherent in the banking industry.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
55
Oct 1, 2026
Change
Unchanged
Current Score
55
Oct 20, 2026
Category Changes
UCB score was unchanged.
Projected Score
Projected Score
62
Projected Change
+6.8 points
Preliminary comparable-period financial changes suggest improvement of approximately 6.8 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
This is a formula-based estimate, not a verified fair value or price target. Check the earnings and growth assumptions.
Stored EPS: $3.06 · Growth assumption: 9.1% · Earnings multiplier: 26.7×.
Current Price
$36.56
Model Intrinsic Value
$117.81
Difference
−$81.25
-69.0% vs IV
Margin of Safety
69.0%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.56B | $1.54B | $1.48B | $1.29B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $435.9M | $522.6M | $601.3M | $508.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $1.12B | $1.01B | $879.1M | $782.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $474.8M | $386.5M | $369.6M | $355.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $641.6M | $591.9M | $556.1M | $550.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $539.0M | $468.4M | $363.9M | $277.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $477.4M | $422.4M | $323.0M | $232.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $433.3M | $473.8M | $550.4M | $419.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $488.3M | $422.4M | $323.0M | $232.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $110.4M | $94.3M | $70.6M | $45.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $377.9M | $328.1M | $252.4M | $187.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $3.06 | $2.63 | $2.04 | $1.54 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 120M | 122M | 120M | 118M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 120M | 122M | 120M | 118M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$382.8M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.95
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+145.3%
Cash Change
-77.0%
Margin Change
+9.3 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
What Weakened
- Cash position declined
- Debt increased
Potential Score Impact
Positive indicators included revenue growth, EPS growth, net income margin. Pressure indicators included cash levels, debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 1.7%. EPS increased 50.8%. Cash declined 77.0%. Total debt increased 145.3%. Net income margin improved by 9.3 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
A dividend is reported, but detailed payment history is temporarily unavailable or awaiting refresh.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Banks - RegionalNews
United Community Banks, Inc. Reports Third Quarter Earnings
United Community Banks (UCB) Reports Next Week: Wall Street Expects Earnings Growth
United Community adds five international banking specialists
Busy Q3 Sets Up United Community Banks For Improved Results
Rumor Mill · UCB
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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