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Stock Evaluator: United Community Banks, Inc. (UCB)

United Community Banks, Inc. UCB

$35.44 0.15 0.43%
July 31, 2026 4:00:03 PM EST November 10, 2021 Volume: 856,108
After Hours: $120.37   0.15  |  0.12% November 10, 2021 7:59 PM EST Volume: 72,713
USD NYSE | DELAYED PRICE
SECTOR INDUSTRY
Financials Banks

A+ Stock Grade Summary:

VALUE:
GROWTH:
MOMENTUM:
EPS REVISIONS:
QUALITY:
COMPANY SUMMARY
United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts. It also provides loans comprising owner occupied and income producing CRE, commercial and industrial, equipment financing, residential mortgage, home equity, manufactured housing, and consumer loans, as well as commercial and residential construction and land. In addition, the company offers private banking, investment management, investment advice, financial planning services, estate and retirement planning, and insurance products; non-deposit investment products and insurance products, such as life insurance, long-term care insurance and tax-deferred annuities; and trust services to manage fiduciary assets. Further, it provides reinsurance on property insurance contracts and payment processing services for commercial and small business customers. The company serves the commercial, retail, government, education, energy, health care, and real estate sectors. United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina.

Commentary & Analysis

Financial Summary

Share Statistics UCB Industry
Median		 Percentile
(All Stocks)
Market Cap (Mil) $4,244.4 $716.9 65%
Shares Out (Mil) 120.7 15.7 66%
Institutional Ownership 99.4% 83.0% 88%
Float (Mil) 119.1 21.2 65%
Beta 0.83 0.48 49%
Avg Daily Volume (000s) 1,097 53 72%
Price Change
(52-week)		 15.1% 96.7% 58%
Growth UCB Industry
Median		 Percentile
(All Stocks)
Sales (5yr) 11.9% 7.6% 65%
Net Income (5yr) 14.9% 11.1% 62%
EPS (5yr) 6.5% 10.1% 40
Dividends (5yr) 6.4% 3.6% 78%
Cash Flow (5yr) (15.7%) (17.0%) 47%
Estimates Qtrly Current
Fiscal
Year		 Next
Fiscal
Year
# of Estimates 6 5 7
Current EPS $0.747 $2.918 $3.224
Month Ago EPS $0.918 $3.108 $3.280
# Rev Up 1 1 2
# Rev Down 0 0 0
Three Months Ago EPS $0.772 $2.986 $3.292
Year/Year Chg 8.3% 11.4% na
Financials UCB Industry
Median		 Percentile
(All Stocks)
Sales (TTM) (Mil) $1,048 $190 51%
Net Income (TTM) (Mil) $341 $51 74%
EPS (TTM) $2.738 $2.500 77%
Operating Cash Flow (TTM) (Mil) $355 $34 67%
Net Cash Flow (TTM) (Mil) ($144) $1 12%
Long-Term Debt (Q1) (Mil) $21 $100 33%
Enterprise Value (Q1) (Mil) na $0 na
Valuation UCB Industry
Median		 Percentile
(All Stocks)
P/B 1.16 1.27 28%
P/E 13.0 12.9 28%
Dividend Yield 2.8% 2.2% 83%
PEG (5yr hist) 2.0 1.1 67%
Ratios UCB Industry
Median		 Percentile
(All Stocks)
Gross Margin na 68.8% na
Net Margin 34.1% 28.9% 92%
ROA 1.2% 1.0% 49%
ROE 9.6% 11.1% 56%
Liabilities to Assets 87.0% 89.8% 81%
F-Score 5 4 51%

Passing Stock Screens

As of 7/31/2026, from a list of 60 stock screening strategies, UCB meetings the criteria of 1 screen:
Stock Screen
GURU STRATEGY

Graham--Defensive Investor (Utility) Screen

Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength. 
Performance Since Inception: 6.9%
+/- S&P 500: -0.6

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See All 182 Stocks (as of 7/31/2026)

Price and market data provided by QuoteMedia and delayed a minimum of 15 minutes unless otherwise indicated. Fundamental data provided by AAII's Stock Investor Pro and S&P Global Market Intelligence and are updated through the previous trading day.

Ⓒ 2026 American Association of Individual Investors