UCB Stock Analysis: United Community Banks | NYSE
Banks - Regional | NYSE, USA | Market Cap: 4.044m USD | 12M Return: 9.5% | US90984P3038 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 29.1M
EPS Trend: 89.3%
Qual. Beats: -1
Rev. Trend: 95.1%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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. (NYSE: UCB) is the bank holding company for United Community Bank, a U.S.-based regional financial institution founded in 1950 and headquartered in Greenville, South Carolina. The company provides a broad range of banking services, including deposit products (checking, savings, and money market accounts) and a diversified loan portfolio spanning commercial real estate, commercial and industrial, equipment financing, residential mortgage, home equity, manufactured housing, consumer loans, and construction and land development. Its loan book reflects a mix of both owner-occupied and income-producing CRE, illustrating a traditional community-bank balance sheet structure typical of regional banking franchises.
Beyond core lending and deposit-taking, United Community offers wealth management, private banking, trust, estate and retirement planning, investment advisory, and insurance products-including life insurance, long-term care coverage, and tax-deferred annuities. It also engages in reinsurance of property insurance contracts and provides payment processing services to commercial and small business clients. The company serves a diverse customer base across the commercial, retail, government, education, energy, health care, and real estate sectors, underscoring the diversified revenue streams common to mid-sized regional banks. As a mid-cap financial institution listed since 2002, UCB operates within the regional banking sub-industry, where net interest margin, loan portfolio mix, and fee-based services are typically key performance drivers.
- Net interest margin compresses as Fed cuts rates
- CRE loan portfolio exposure raises credit quality concerns
- Southeast deposit growth fuels loan portfolio expansion
| Net Income: 377.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.28 > 1.0 |
| NWC/Revenue: -1.27k% < 20% (prev -1.31k%; Δ 39.79% < -1%) |
| CFO/TA 0.02 > 3% & CFO 439.7m > Net Income 377.9m |
| Net Debt (-3.05b) to EBITDA (539.0m): -5.67 < 3 |
| Current Ratio: 0.18 > 1.5 & < 3 |
| Outstanding Shares: last quarter (120.4m) vs 12m ago -0.82% < -2% |
| Gross Margin: 71.96% > 18% (prev 61.11%; Δ 10.86% > 0.5%) |
| Asset Turnover: 5.44% > 50% (prev 5.24%; Δ 0.20% > 0%) |
| Interest Coverage Ratio: 1.10 > 6 (EBIT TTM 477.4m / Interest Expense TTM 433.3m) |
| A: -0.68 (Total Current Assets 4.24b - Total Current Liabilities 24.0b) / Total Assets 29.1b |
| B: 0.04 (Retained Earnings 1.05b / Total Assets 29.1b) |
| C: 0.02 (EBIT TTM 477.4m / Avg Total Assets 28.6b) |
| D: 0.15 (Book Value of Equity 3.75b / Total Liabilities 25.3b) |
| Altman-Z'' = -4.08 = D |
As of October 06, 2026, the stock is trading at USD 33.81 with a total of 990,504 shares traded. Over the past week, the price has changed by -0.53%, over one month by -3.48%, over three months by -4.46% and over the past year by +9.46%.
Current recommended Stop Loss: 32.30 (which is 4.5% or 2.2 ATR below the current price).
United Community Banks has received a consensus analysts rating of 3.71. Therefore, it is recommended to hold UCB.
- StrongBuy: 2
- Buy: 1
- Hold: 4
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 40.2 | 18.8% |
P/E Trailing = 10.8935
P/E Forward = 12.5313
P/S = 3.6489
P/B = 1.1008
P/EG = 1.674
Revenue TTM = 1.56b USD
EBIT TTM = 477.4m USD
EBITDA TTM = 539.0m USD
Long Term Debt = 820.6m USD (from longTermDebt, last quarter)
Short Term Debt = 360.0m USD (from shortTermDebt, last quarter)
Debt = 1.18b USD (corrected: LT Debt 820.6m + ST Debt 360.0m)
Net Debt = -3.05b USD (calculated: Debt 1.18b - CCE 4.24b)
Enterprise Value = 989.5m USD (4.04b + Debt 1.18b - CCE 4.24b)
Interest Coverage Ratio = 1.10 (Ebit TTM 477.4m / Interest Expense TTM 433.3m)
EV/FCF = 2.40x (Enterprise Value 989.5m / FCF TTM 412.5m)
FCF Yield = 41.68% (FCF TTM 412.5m / Enterprise Value 989.5m)
FCF Margin = 26.52% (FCF TTM 412.5m / Revenue TTM 1.56b)
Net Margin = 24.30% (Net Income TTM 377.9m / Revenue TTM 1.56b)
Gross Margin = 71.96% ((Revenue TTM 1.56b - Cost of Revenue TTM 435.9m) / Revenue TTM)
Gross Margin QoQ = 80.75% (prev 70.33%)
Tobins Q-Ratio = 0.03 (Enterprise Value 989.5m / Total Assets 29.1b)
Interest Expense / Debt = 36.70% (Interest Expense 433.3m / Debt 1.18b)
Taxrate = 22.61% (110.4m / 488.3m)
NOPAT = 369.5m (EBIT 477.4m * (1 - 22.61%))
Current Ratio = 0.18 (Total Current Assets 4.24b / Total Current Liabilities 24.0b)
Debt / Equity = 0.32 (Debt 1.18b / totalStockholderEquity, last quarter 3.75b)
Debt / EBITDA = -5.67 (Net Debt -3.05b / EBITDA 539.0m)
Debt / FCF = -7.41 (Net Debt -3.05b / FCF TTM 412.5m)
Total Stockholder Equity = 3.66b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.32% (Net Income 377.9m / Total Assets 29.1b)
RoE = 10.33% (Net Income TTM 377.9m / Total Stockholder Equity 3.66b)
RoCE = 10.66% (EBIT 477.4m / Capital Employed (Equity 3.66b + L.T.Debt 820.6m))
RoIC = 1.28% (NOPAT 369.5m / Invested Capital 29.0b)
WACC = 13.42% (E(4.04b)/V(5.23b) * Re(9.05%) + D(1.18b)/V(5.23b) * Rd(36.70%) * (1-Tc(0.23)))
Discount Rate = 9.05% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 61.63 | Cagr: 0.26%
[DCF] Terminal Value 63.35% ; FCFF base≈375.2m ; Y1≈430.1m ; Y5≈633.1m
[DCF] Fair Price = 67.21 (EV 4.99b - Net Debt -3.05b = Equity 8.05b / Shares 119.8m; r=13.42% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 89.31 | EPS CAGR: 12.29% | SUE: -2.65 | # QB: -1
Revenue Correlation: 95.07 | Revenue CAGR: 7.81% | SUE: 0.55 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.77 | Chg30d=+3.74% | Revisions=+0% | Analysts=7
EPS current Year (2026-12-31): EPS=2.99 | Chg30d=+2.56% | Revisions=+0% | GrowthEPS=+10.4% | GrowthRev=+4.9%
EPS next Year (2027-12-31): EPS=3.35 | Chg30d=+3.76% | Revisions=+29% | GrowthEPS=+11.9% | GrowthRev=+4.4%
[Analyst] Revisions Ratio: +29% (up=3, down=1)