(UCB) United Community Banks - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 3.986m USD | Total Return: 19.9% in 12m
Avg Turnover: 21.3M
EPS Trend: 57.8%
Qual. Beats: 0
Rev. Trend: 93.5%
Qual. Beats: 0
Warnings
Choppy
Tailwinds
No distinct edge detected
United Community Banks, Inc. (UCB) is a regional financial holding company headquartered in Greenville, South Carolina. Established in 1950, the institution operates through United Community Bank to provide a comprehensive suite of commercial and retail banking services across the Southeastern United States. Its portfolio includes traditional deposit accounts, diverse lending solutions-ranging from commercial real estate and industrial loans to residential mortgages-and specialized wealth management services such as investment advisory and estate planning.
The company follows a diversified regional banking model, generating revenue through net interest income from its loan portfolio and non-interest income from trust services, insurance, and payment processing. Regional banks often face higher sensitivity to local economic conditions and interest rate fluctuations compared to national money-center banks. Beyond core banking, UCB maintains specialized segments for equipment financing and reinsurance, serving clients in the healthcare, energy, and education sectors.
Investors can evaluate the underlying valuation metrics of this regional banking model on ValueRay. Analytical focus for this sector typically centers on credit quality, net interest margins, and the stability of the core deposit base within its geographic footprint.
- Net interest margin compression driven by Southeast deposit beta and funding costs
- Commercial real estate loan concentration increases credit risk in high interest environments
- Expansion through strategic acquisitions in high-growth Southeastern metropolitan markets
- Non-interest income growth via wealth management and payment processing fee diversification
- Asset quality stability underpins investor confidence amidst regional banking sector volatility
| Net Income: 341.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.18 > 1.0 |
| NWC/Revenue: -1.53k% < 20% (prev -1.27k%; Δ -252.5% < -1%) |
| CFO/TA 0.01 > 3% & CFO 405.9m > Net Income 341.0m |
| Net Debt (-56.5m) to EBITDA (493.9m): -0.11 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (120.7m) vs 12m ago 0.43% < -2% |
| Gross Margin: 67.97% > 18% (prev 0.60%; Δ 6.74k% > 0.5%) |
| Asset Turnover: 5.53% > 50% (prev 5.29%; Δ 0.23% > 0%) |
| Interest Coverage Ratio: 0.97 > 6 (EBITDA TTM 493.9m / Interest Expense TTM 451.7m) |
| A: -0.84 (Total Current Assets 235.4m - Total Current Liabilities 23.9b) / Total Assets 28.2b |
| B: 0.03 (Retained Earnings 968.2m / Total Assets 28.2b) |
| C: 0.02 (EBIT TTM 439.6m / Avg Total Assets 28.0b) |
| D: 0.04 (Book Value of Equity 933.5m / Total Liabilities 24.5b) |
| Altman-Z'' = -5.25 = D |
| DSRI: 0.65 (Receivables 58.4m/85.6m, Revenue 1.55b/1.48b) |
| GMI: 0.88 (GM 67.97% / 60.03%) |
| AQI: 1.21 (AQ_t 0.98 / AQ_t-1 0.81) |
| SGI: 1.05 (Revenue 1.55b / 1.48b) |
| TATA: -0.00 (NI 341.0m - CFO 405.9m) / TA 28.2b) |
| Beneish M = -3.26 (Cap -4..+1) = AA |
As of May 24, 2026, the stock is trading at USD 33.28 with a total of 392,299 shares traded.
Over the past week, the price has changed by +3.62%,
over one month by +1.00%,
over three months by +0.56% and
over the past year by +19.94%.
United Community Banks has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy UCB.
- StrongBuy: 3
- Buy: 1
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 38.2 | 14.7% |
P/E Forward = 12.5313
P/S = 3.8039
P/B = 1.0634
P/EG = 1.674
Revenue TTM = 1.55b USD
EBIT TTM = 439.6m USD
EBITDA TTM = 493.9m USD
Long Term Debt = 120.5m USD (from longTermDebt, last quarter)
Short Term Debt = 85.0m USD (from shortTermDebt, last fiscal year)
Debt = 120.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -56.5m USD (calculated: Debt 120.5m - CCE 177.0m)
Enterprise Value = 3.93b USD (3.99b + Debt 120.5m - CCE 177.0m)
Interest Coverage Ratio = 0.97 (Ebit TTM 439.6m / Interest Expense TTM 451.7m)
EV/FCF = 10.46x (Enterprise Value 3.93b / FCF TTM 375.8m)
FCF Yield = 9.56% (FCF TTM 375.8m / Enterprise Value 3.93b)
FCF Margin = 24.27% (FCF TTM 375.8m / Revenue TTM 1.55b)
Net Margin = 22.02% (Net Income TTM 341.0m / Revenue TTM 1.55b)
Gross Margin = 67.97% ((Revenue TTM 1.55b - Cost of Revenue TTM 495.9m) / Revenue TTM)
Gross Margin QoQ = 70.33% (prev 69.74%)
Tobins Q-Ratio = 0.14 (Enterprise Value 3.93b / Total Assets 28.2b)
Interest Expense / Debt = 374.8% (Interest Expense 451.7m / Debt 120.5m)
Taxrate = 22.21% (24.1m / 108.4m)
NOPAT = 342.0m (EBIT 439.6m * (1 - 22.21%))
Current Ratio = 0.01 (Total Current Assets 235.4m / Total Current Liabilities 23.9b)
Debt / Equity = 0.03 (Debt 120.5m / totalStockholderEquity, last quarter 3.65b)
Debt / EBITDA = -0.11 (Net Debt -56.5m / EBITDA 493.9m)
Debt / FCF = -0.15 (Net Debt -56.5m / FCF TTM 375.8m)
Total Stockholder Equity = 3.63b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.22% (Net Income 341.0m / Total Assets 28.2b)
RoE = 9.41% (Net Income TTM 341.0m / Total Stockholder Equity 3.63b)
RoCE = 11.73% (EBIT 439.6m / Capital Employed (Equity 3.63b + L.T.Debt 120.5m))
RoIC = 7.81% (NOPAT 342.0m / Invested Capital 4.38b)
WACC = 9.48% (E(3.99b)/V(4.11b) * Re(9.77%) + (debt cost/tax rate unavailable))
Discount Rate = 9.77% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 80.90 | Cagr: 0.37%
[DCF] Terminal Value 74.39% ; FCFF base≈354.2m ; Y1≈406.1m ; Y5≈597.6m
[DCF] Fair Price = 63.10 (EV 7.50b - Net Debt -56.5m = Equity 7.55b / Shares 119.7m; r=9.48% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 57.77 | EPS CAGR: 7.13% | SUE: 0.0 | # QB: 0
Revenue Correlation: 93.46 | Revenue CAGR: 10.17% | SUE: 0.53 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.73 | Chg30d=-0.40% | Revisions=-11% | Analysts=7
EPS next Quarter (2026-09-30): EPS=0.77 | Chg30d=+0.43% | Revisions=+25% | Analysts=6
EPS current Year (2026-12-31): EPS=3.00 | Chg30d=+0.42% | Revisions=+25% | GrowthEPS=+10.6% | GrowthRev=+7.2%
EPS next Year (2027-12-31): EPS=3.31 | Chg30d=+2.76% | Revisions=+56% | GrowthEPS=+10.6% | GrowthRev=+7.5%
[Analyst] Revisions Ratio: +56%