United Community Banks, Inc. (UCB) Stock Score, Valuation & Financial Research
United Community Banks, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 61/100.
Quick answer for UCB
United Community Banks, Inc. currently has a Wall Street Score of 61/100. The stored market price is $35.15. Its financial score is 62/100. Its valuation score is 97/100. These figures are a research snapshot, not a buy or sell recommendation.
What United Community Banks, Inc. does
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. The institution extends a broad spectrum of lending products, including real estate, consumer, and commercial loans. These are provided to individuals, small and mid-sized businesses, and non-profit organizations, encompassing both secured and unsecured options, as well as specialized mortgage financing. Furthermore, it originates loans partially backed by government initiatives like the S
UCB financial snapshot
- Wall Street Score:
- 61/100
- Current price:
- $35.15
- Market capitalization:
- $4.21B
- Revenue:
- $1.56B
- Net income:
- $377.9M
- Free cash flow:
- $407.7M
- Cash:
- $129.1M
- Total debt:
- $380.6M
- EPS:
- 2.63
- P/E ratio:
- 13.4x
- Financial score:
- 62/100
- Valuation score:
- 97/100
- Revenue score:
- 31/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $407.7M, showing positive cash generation.
- The balance sheet shows $129.1M of cash versus $380.6M of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 62/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research UCB
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.