UCB Stock Analysis: United Community Banks | NYSE
Banks - Regional | NYSE, USA | Market Cap: 4.250m USD | 12M Return: 50.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 37.2M
EPS Trend: 57.8%
Qual. Beats: 0
Rev. Trend: 93.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
United Community Banks, Inc. is the holding company for United Community Bank, a regional U.S. financial institution founded in 1950 and headquartered in Greenville, South Carolina. It operates as a traditional community-oriented bank, generating revenue from both sides of the balance sheet: interest income on loans and interest expense on deposits, supplemented by fee-based services.
The company offers a full suite of retail and commercial banking products, including checking, savings, and money market deposit accounts, alongside a diverse lending portfolio covering commercial real estate, commercial and industrial loans, equipment financing, residential mortgages, home equity loans, manufactured housing loans, consumer loans, and construction and land development financing.
Beyond core banking, United Community Banks provides wealth management and trust services such as private banking, investment management, financial and estate planning, and insurance products including life insurance, long-term care insurance, and tax-deferred annuities. The company also offers property insurance reinsurance and payment processing services for commercial and small business customers, serving clients across the commercial, retail, government, education, energy, health care, and real estate sectors.
As a regional bank, United Community Banks competes by combining traditional deposit and lending activities with fee-generating wealth and treasury management services, a common diversification strategy among mid-sized regional banks seeking to reduce reliance on net interest margin.
- Net interest margin expansion tracks Fed rate path
- Commercial real estate loan performance amid office sector stress
- Deposit growth fuels Southeast regional expansion through acquisitions
| 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: -1.28k% < 20% (prev -1.27k%; Δ -7.51% < -1%) |
| CFO/TA 0.01 > 3% & CFO 405.9m > Net Income 341.0m |
| Net Debt (-4.05b) to EBITDA (493.9m): -8.20 < 3 |
| Current Ratio: 0.17 > 1.5 & < 3 |
| Outstanding Shares: last quarter (120.7m) vs 12m ago 0.43% < -2% |
| Gross Margin: 67.97% > 18% (prev 60.03%; Δ 7.94% > 0.5%) |
| Asset Turnover: 5.53% > 50% (prev 5.29%; Δ 0.23% > 0%) |
| Interest Coverage Ratio: 0.97 > 6 (EBIT TTM 439.6m / Interest Expense TTM 451.7m) |
| A: -0.70 (Total Current Assets 4.17b - Total Current Liabilities 24.0b) / 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: 0.15 (Book Value of Equity 3.65b / Total Liabilities 24.5b) |
| Altman-Z'' = -4.25 = D |
| DSRI: 0.65 (Receivables 58.4m/85.6m, Revenue 1.55b/1.48b) |
| GMI: 0.88 (GM 60.03% / 67.97%) |
| AQI: 1.04 (AQ_t 0.84 / 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 = -3.36 (Cap -4..+1) = AA |
As of July 08, 2026, the stock is trading at USD 35.30 with a total of 646,906 shares traded. Over the past week, the price has changed by -3.13%, over one month by -2.76%, over three months by -3.21% and over the past year by +50.05%.
Current recommended Stop Loss: 33.80 (which is 4.2% or 2 ATR below the current price).
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 | 39.1 | 10.8% |
P/E Trailing = 13.0
P/E Forward = 12.5313
P/S = 4.0566
P/B = 1.1813
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 = -4.05b USD (calculated: Debt 120.5m - CCE 4.17b)
Enterprise Value = 199.7m USD (4.25b + Debt 120.5m - CCE 4.17b)
Interest Coverage Ratio = 0.97 (Ebit TTM 439.6m / Interest Expense TTM 451.7m)
EV/FCF = 0.53x (Enterprise Value 199.7m / FCF TTM 375.8m)
FCF Yield = 188.2% (FCF TTM 375.8m / Enterprise Value 199.7m)
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 = 0.01 (Enterprise Value 199.7m / Total Assets 28.2b)
Interest Expense / Debt = 374.8% (Interest Expense 451.7m / Debt 120.5m)
Taxrate = 22.44% (98.6m / 439.6m)
NOPAT = 341.0m (EBIT 439.6m * (1 - 22.44%))
Current Ratio = 0.17 (Total Current Assets 4.17b / Total Current Liabilities 24.0b)
Debt / Equity = 0.03 (Debt 120.5m / totalStockholderEquity, last quarter 3.65b)
Debt / EBITDA = -8.20 (Net Debt -4.05b / EBITDA 493.9m)
Debt / FCF = -10.78 (Net Debt -4.05b / 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 = 8.20% (NOPAT 341.0m / Invested Capital 4.16b)
WACC = 9.02% (E(4.25b)/V(4.37b) * Re(9.28%) + (debt cost/tax rate unavailable))
Discount Rate = 9.28% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 80.90 | Cagr: 0.37%
[DCF] Terminal Value 75.82% ; FCFF base≈354.2m ; Y1≈406.1m ; Y5≈597.6m
[DCF] Fair Price = 101.0 (EV 8.04b - Net Debt -4.05b = Equity 12.1b / Shares 119.8m; r=9.02% [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=0.78 | Chg30d=+7.28% | Revisions=-12% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.76 | Chg30d=-1.72% | Revisions=+29% | Analysts=4
EPS current Year (2026-12-31): EPS=3.02 | Chg30d=+0.86% | Revisions=+29% | GrowthEPS=+11.5% | GrowthRev=+3.6%
EPS next Year (2027-12-31): EPS=3.27 | Chg30d=-1.16% | Revisions=+62% | GrowthEPS=+8.3% | GrowthRev=+4.0%
[Analyst] Revisions Ratio: +38% (up=13, down=5)