United Community Banks (UCB) Stock Price, News & Analysis

Company Overview

United Community Banks, Inc. (NYSE: UCB) is a bank holding company headquartered in Blairsville, Georgia. It operates primarily through its subsidiary, United Community Bank, providing a broad range of banking and financial services to individual, business and governmental customers. The company’s core offerings include deposit accounts, commercial and consumer lending, mortgage origination, treasury and cash management services, and wealth management.

In addition to traditional banking products such as checking, savings and money market accounts, United Community Bank specializes in commercial real estate financing, small business administration (SBA) loans, equipment financing and agricultural lending. These credit facilities are complemented by online and mobile banking platforms, digital payment solutions and a network of branch offices designed to meet the needs of both urban and rural communities in its service area.

United Community Bank’s footprint extends across the southeastern United States, with branches in Georgia, North Carolina, South Carolina, Tennessee, Florida, Alabama and Virginia. This regional concentration supports close relationships with local businesses and community organizations, reinforcing the bank’s emphasis on personalized service and community development. Wealth and trust services are delivered through United Community Wealth, a subsidiary offering investment advisory, estate planning and fiduciary management to high-net-worth individuals and families.

Founded in 1950, United Community Banks has grown through a combination of organic expansion and strategic acquisitions, building a presence in key markets throughout its core region. The company is led by Chairman and Chief Executive Officer Bryan Jordan, under whose tenure it has continued to emphasize customer-centric innovation and prudent risk management. With a commitment to community engagement and economic development, United Community Banks seeks to balance sustainable growth with the evolving financial needs of its customers.

Key Stats

• Today's Range: $33.23 to $33.59
• 50-Day Range: $30.86 to $34.84
• 52-Week Range: $27.23 to $36.77
• Volume: 615,751 shs
• Average Volume: 721,589 shs
• Market Capitalization: $3.99 billion
• P/E Ratio: 12.25
• Dividend Yield: 3.00%
• Price Target: $38.40
• Consensus Rating: Moderate Buy

United Community Banks Stock Analysis - MarketRank™

United Community Banks scored higher than 88% of companies evaluated by MarketBeat, and ranked 195th out of 884 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.5 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

United Community Banks has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no strong buy ratings, 4 buy ratings, 4 hold ratings, and no sell ratings.

Upside Potential

United Community Banks has a consensus price target of $38.40, representing about 15.2% upside from its current price of $33.32.

Amount of Analyst Coverage

United Community Banks has been the subject of 6 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 9.70%

Earnings Growth

Earnings for United Community Banks are expected to grow by 9.70% in the coming year, from $2.99 to $3.28 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of United Community Banks is 12.25, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.52.

Price to Earnings Ratio vs. Sector

The P/E ratio of United Community Banks is 12.25, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.92.

Price to Book Value per Share Ratio

United Community Banks has a P/B Ratio of 1.10. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

3.12% of the float of United Community Banks has been sold short.

Short Interest Ratio / Days to Cover

United Community Banks has a short interest ratio ("days to cover") of 6.1.

Change versus previous month

Short interest in United Community Banks has recently decreased by 2.20%, indicating that investor sentiment is improving.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

United Community Banks pays a meaningful dividend of 3.00%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

United Community Banks does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of United Community Banks is 36.76%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, United Community Banks will have a dividend payout ratio of 30.49% next year. This indicates that United Community Banks will be able to sustain or increase its dividend.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 1.4 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, United Community Banks insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $49,966.00 in company stock.

Percentage Held by Insiders

0.45% of the stock of United Community Banks is held by insiders.

Percentage Held by Institutions

82.29% of the stock of United Community Banks is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Record date for 4/3 Dividend: 3/13/2026
• Ex-Dividend for 4/3 Dividend: 3/13/2026
• Dividend Payable: 4/03/2026
• Last Earnings: 4/21/2026
• Today: 6/07/2026
• Record date for 7/3 Dividend: 6/15/2026
• Ex-Dividend for 7/3 Dividend: 6/15/2026
• Dividend Payable: 7/03/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• Current Symbol: NYSE:UCB
• Previous Symbol: NYSE:UCB
• CIK: 857855
• Web: N/A
• Phone: 18008222651
• Fax: 706-745-8960
• Employees: 3,070
• Year Founded: 1950

Price Target and Rating

• Average Price Target for United Community Banks: $38.40
• High Price Target: $40.00
• Low Price Target: $36.00
• Potential Upside/Downside: +15.2%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 8 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.72
• Trailing P/E Ratio: 12.25
• Forward P/E Ratio: 11.14
• P/E Growth: N/A
• Net Income: $328.10 million
• Net Margins: 22.05%
• Pretax Margin: 28.48%
• Return on Equity: 9.65%
• Return on Assets: 1.24%

Debt

• Debt-to-Equity Ratio: 0.03
• Current Ratio: 0.82
• Quick Ratio: 0.82

Sales & Book Value

• Annual Sales: $1.54 billion
• Price / Sales: 2.59
• Cash Flow: $3.17 per share
• Price / Cash Flow: 10.52
• Book Value: $30.17 per share
• Price / Book: 1.10

Miscellaneous

• Outstanding Shares: 119,690,000
• Free Float: 119,148,000
• Market Cap: $3.99 billion
• Optionable: N/A
• Beta: 0.82