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

Company Overview

United Community Banks, Inc. (NASDAQ: UCB) is a diversified financial services holding company headquartered in Greenville, South Carolina. Through its principal bank subsidiary, United Community Bank, the company offers a comprehensive suite of banking and financial services for consumer, commercial, and institutional clients. Core products include deposit accounts, commercial and residential mortgage lending, consumer installment loans and lines of credit, treasury management, and payment processing services. The company also provides wealth management, trust, and insurance solutions, positioning itself as a one‐stop provider for a range of financial needs.

Founded in 1950 as United Federal Savings and Loan Association, United Community Banks has grown organically and through strategic acquisitions to expand its reach and capabilities. Over the decades, the company transitioned from a thrift institution to a full‐service commercial bank, and in 2009 it reorganized as a bank holding company to facilitate broader financial services offerings. A series of targeted acquisitions—spanning community banks and specialty finance firms—has bolstered its commercial lending portfolio and introduced new market niches, including affordable housing and small‐business financing.

Today, United Community Banks serves customers across the southeastern United States, with a branch network spanning Georgia, North Carolina, South Carolina, Tennessee, Alabama and Florida. This regional footprint is complemented by specialized lending offices in select growth markets and a digital banking platform that enables 24/7 access to accounts and financial tools. The bank’s approach emphasizes local decision‐making and community engagement, supporting economic development through small‐business loans, municipal financing and mortgage programs tailored to homeowners.

Leadership at United Community Banks is anchored by President and Chief Executive Officer Bill Rogers, who has led the company since 2016 and guided its integration of acquired businesses and digital initiatives. The executive team also includes seasoned professionals overseeing finance, risk management, commercial banking, and wealth management. Under their stewardship, United Community Banks continues to prioritize relationship‐driven service, prudent risk management and long‐term value creation for shareholders and communities alike.

Key Stats

• Today's Range: $31.10 to $31.42
• 50-Day Range: $27.50 to $31.79
• 52-Week Range: $22.93 to $35.38
• Volume: 414,056 shs
• Average Volume: 663,494 shs
• Market Capitalization: $3.79 billion
• P/E Ratio: 15.28
• Dividend Yield: 3.08%
• Price Target: $33.14
• Consensus Rating: Hold

United Community Banks Stock Analysis - MarketRank™

United Community Banks scored higher than 61% of companies evaluated by MarketBeat, and ranked 502nd out of 936 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: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

United Community Banks has received a consensus rating of Hold. The company's average rating score is 2.43, and is based on 3 buy ratings, 4 hold ratings, and no sell ratings.

Amount of Analyst Coverage

United Community Banks has only been the subject of 4 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 7.54%

Earnings Growth

Earnings for United Community Banks are expected to grow by 7.54% in the coming year, from $2.52 to $2.71 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of United Community Banks is 15.28, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.90.

Price to Earnings Ratio vs. Sector

The P/E ratio of United Community Banks is 15.28, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.04.

Price to Book Value per Share Ratio

United Community Banks has a P/B Ratio of 1.11. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: N/A
• Short Interest Level: N/A

Short Interest

There is no current short interest data available for UCB.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

United Community Banks pays a meaningful dividend of 3.08%, 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 45.50%. 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 35.42% next year. This indicates that United Community Banks will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Short Interest

There is no current short interest data available for UCB.

News and Social Media

• Score: 3.5 / 5
• News Sentiment: 1.27

News Sentiment

United Community Banks has a news sentiment score of 1.27. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.95 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 12 news articles for United Community Banks this week, compared to 5 articles on an average week.

Search Interest

3 people have searched for UCB on MarketBeat in the last 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, United Community Banks insiders have bought more of their company's stock than they have sold. Specifically, they have bought $13,615.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 0.43% 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.

UCB Stock Analysis - Frequently Asked Questions

How have UCB shares performed this year?

United Community Banks' stock was trading at $32.31 at the beginning of the year. Since then, UCB shares have decreased by 3.5% and is now trading at $31.1740.

How were United Community Banks' earnings last quarter?

United Community Banks, Inc. (NASDAQ:UCB) released its quarterly earnings data on Wednesday, October, 23rd. The company reported $0.57 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $0.58 by $0.01. The business earned $384.39 million during the quarter, compared to analyst estimates of $237.90 million. United Community Banks had a net margin of 16.48% and a trailing twelve-month return on equity of 8.64%.

Who are United Community Banks' major shareholders?

United Community Banks' top institutional shareholders include Harbor Capital Advisors Inc. (0.04%) and Wealth Enhancement Advisory Services LLC (0.02%). Insiders that own company stock include H Lynn Harton, Richard Bradshaw, Jefferson L Harralson, Sally Pope Davis and Kenneth L Daniels.
View institutional ownership trends.

How do I buy shares of United Community Banks?

Shares of UCB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of United Community Banks own?

Based on aggregate information from My MarketBeat watchlists, some other companies that United Community Banks investors own include iShares Micro-Cap ETF (IWC), The RMR Group (RMR), Waste Connections (WCN), DiamondRock Hospitality (DRH), AU Optronics (AUOTY), American Water Works (AWK) and Triple Flag Precious Metals (TFPM).

Company Calendar

• Last Earnings: 10/23/2024
• Ex-Dividend for 7/3 Dividend: 6/13/2025
• Record date for 7/3 Dividend: 6/15/2025
• Dividend Payable: 7/03/2025
• Today: 7/12/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:UCB
• Previous Symbol: NASDAQ:UCB
• CIK: 857855
• Web: www.ucbi.com
• Phone: (706) 781-2265
• Fax: 706-745-8960
• Employees: 3,070
• Year Founded: N/A

Price Target and Rating

• Average Price Target for United Community Banks: $33.14
• High Price Target: $36.00
• Low Price Target: $30.00
• Potential Upside/Downside: +6.3%
• Consensus Rating: Hold
• Rating Score (0-4): 2.43
• Research Coverage: 7 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.11
• Trailing P/E Ratio: 15.28
• Forward P/E Ratio: 12.37
• P/E Growth: N/A
• Net Income: $252.40 million
• Net Margins: 16.48%
• Pretax Margin: 21.50%
• Return on Equity: 8.64%
• Return on Assets: 1.04%

Debt

• Debt-to-Equity Ratio: 0.08
• Current Ratio: 0.78
• Quick Ratio: 0.78

Sales & Book Value

• Annual Sales: $938.98 million
• Price / Sales: 4.03
• Cash Flow: $2.40 per share
• Price / Cash Flow: 13.01
• Book Value: $28.03 per share
• Price / Book: 1.11

Miscellaneous

• Outstanding Shares: 121,499,000
• Free Float: 118,643,000
• Market Cap: $3.79 billion
• Optionable: Optionable
• Beta: 0.78