United Community Banks Inc (UCB)

Currency in USD
31.21
-0.35(-1.11%)
Closed·
31.210.00(0.00%)
·
UCB Scorecard
Full Analysis
Has raised its dividend for 11 consecutive years
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Fair Value
Day's Range
31.1731.85
52 wk Range
22.9335.38
Key Statistics
Prev. Close
31.56
Open
31.67
Day's Range
31.17-31.85
52 wk Range
22.93-35.38
Volume
580.55K
Average Volume (3m)
651.62K
1-Year Change
9.66%
Book Value / Share
29.01
Fair Value
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Fair Value Upside
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UCB Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
34.92
Upside
+11.88%
Members' Sentiments
Bearish
Bullish
ProTips
6 analysts have revised their earnings upwards for the upcoming period
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Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Neutral
Technical Indicators
Strong Sell
Moving Averages
Buy

United Community Banks Inc Company Profile

United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts; and lending services, such as real estate, commercial, consumer, secured and unsecured, and mortgage loans to individuals, small and mid-sized businesses, and non-profit organizations. It also originates loans partially guaranteed by the United States Small Business Administration and the United States Department of Agriculture loan programs. In addition, the company provides private banking, investment management, investment advice, financial planning, estate, and retirement planning and insurance products and services; trust services to manage fiduciary assets; non-deposit investment and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities; and reinsurance on property insurance contracts. United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina.

Sector
Financial
Employees
3050

United Community Banks Inc Earnings Call Summary for Q2/2025

  • UCB beats Q2 2025 EPS estimates with $0.63 vs $0.61 forecast; revenue slightly misses at $260M vs $261.3M expected
  • Stock rises 1.38% pre-market; company maintains 11-year dividend growth streak with 3.07% yield
  • Q2 operating EPS up 14% YoY to $0.66; net interest margin expands to 3.50%, up 14 basis points
  • UCB completes American National Bank acquisition; targets 6% loan growth and 5bps margin expansion in Q3
  • FY 2025/2026 EPS forecast at $2.5/$2.68; revenue projections of $1.051B/$1.114B; analyst targets range $32-$36 per share
Last Updated: 23/07/2025, 14:52
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Compare UCB to Peers and Sector

Metrics to compare
UCB
Peers
Sector
Relationship
P/E Ratio
14.3x11.7x9.6x
PEG Ratio
0.340.390.03
Price/Book
1.1x1.0x1.0x
Price / LTM Sales
4.1x3.2x2.9x
Upside (Analyst Target)
14.5%15.3%11.7%
Fair Value Upside
Unlock−10.3%1.4%Unlock

Analyst Ratings

3 Buy
4 Hold
0 Sell
Ratings:
7 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 34.92
(+11.88% Upside)

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 2.21%
Dividend Yield
3.08%
Industry Median 3.43%
Annualised payout
0.96
Paid quarterly
5-Years Growth
+6.22%
Growth Streak

Earnings

Latest Release
Jul 23, 2025
EPS / Forecast
0.66 / 0.61
Revenue / Forecast
260.24M / 261.30M
EPS Revisions
Last 90 days

UCB Income Statement

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FAQ

What Stock Exchange Does United Community Banks Trade On?

United Community Banks is listed and trades on the New York Stock Exchange stock exchange.

What Is the Stock Symbol for United Community Banks?

The stock symbol for United Community Banks is "UCB."

What Is the United Community Banks Market Cap?

As of today, United Community Banks market cap is 3.79B.

What Is United Community Banks's Earnings Per Share (TTM)?

The United Community Banks EPS (TTM) is 2.21.

When Is the Next United Community Banks Earnings Date?

United Community Banks will release its next earnings report on 20 Oct 2025.

From a Technical Analysis Perspective, Is UCB a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Buy.

How Many Times Has United Community Banks Stock Split?

United Community Banks has split 9 times.

How Many Employees Does United Community Banks Have?

United Community Banks has 3050 employees.

What is the current trading status of United Community Banks (UCB)?

As of 16 Aug 2025, United Community Banks (UCB) is trading at a price of 31.21, with a previous close of 31.56. The stock has fluctuated within a day range of 31.17 to 31.85, while its 52-week range spans from 22.93 to 35.38.
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