United Community Banks/$UCB
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About United Community Banks
United Community Banks Inc provides a wide range of financial products and services to the commercial, retail, governmental, educational, energy, health care and real estate sectors. This includes a variety of deposit products, secured and unsecured loans, mortgage loans, payment and commerce solutions, equipment finance services, wealth management, trust services, private banking, investment advisory services, insurance services, and other related financial services. These products and services are delivered through a variety of channels including its branches, other offices, the Internet, and mobile applications. It operates as a locally-focused community bank, supplemented by experienced, centralized support to deliver products and services to its c ustomers.
- Ticker
- $UCB
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 3,070
- Headquarters
- Greenville, United States
- Website
- www.ucbi.com
UCB Metrics
BasicAdvanced
$4.5B
30.91
$1.20
0.90
$1.01
2.79%
Price and volume
Market cap
$4.5B
Beta
0.9
52-week high
$37.45
52-week low
$28.65
Average daily volume
1.1M
Dividend rate
$1.01
Financial strength
Profitability
Net profit margin (TTM)
17.94%
Operating margin (TTM)
27.36%
Effective tax rate (TTM)
21.15%
Revenue per employee (TTM)
$270,000
Management effectiveness
Return on assets (TTM)
0.51%
Return on equity (TTM)
4.13%
Valuation
Price to earnings (TTM)
30.911
Price to revenue (TTM)
5.496
Price to book
1.27
Price to tangible book (TTM)
1.8
Dividend yield (TTM)
2.71%
Forward dividend yield
2.79%
Growth
Revenue change (TTM)
-17.35%
Earnings per share change (TTM)
-52.23%
3-year revenue growth (CAGR)
-1.78%
3-year earnings per share growth (CAGR)
-17.74%
10-year earnings per share growth (CAGR)
-0.55%
3-year dividend per share growth (CAGR)
3.54%
10-year dividend per share growth (CAGR)
13.69%
What the Analysts think about UCB
Analyst ratings (Buy, Hold, Sell) for United Community Banks stock.
Analyst projections of the future price of United Community Banks stock.
Bulls say / Bears say
Core momentum is strong: excluding the Peach State acquisition and Navitas sale, loans grew at a 9.8% annualised rate and customer deposits at 8.0% in the third quarter. Loan production topped $1 billion for a second consecutive quarter. (United Community Banks)
The earnings base is improving: net interest margin held at 3.68%, up 10 basis points year on year, while operating net income rose 8% from the previous quarter. The securities repositioning also shifted funds into shorter-duration, higher-yielding assets. (United Community Banks, United Community Banks)
Credit quality remains a positive: third-quarter net charge-offs were just 0.09% of loans, and non-performing assets fell 17% from the previous quarter. The exit from equipment finance also reduces exposure to that business. (United Community Banks)
The balance-sheet overhaul came at a steep near-term cost: United reported a $139.7 million third-quarter GAAP loss, and tangible book value per share fell from $23.31 to $20.80. CET1 capital also declined to 13.0% from 13.5% in the prior quarter. (United Community Banks)
Selling Navitas removes a $1.9 billion loan portfolio that had contributed earnings, leaving a gap the bank must replace through organic growth or acquisitions. That makes the expected earnings benefit from the sale and reinvestment dependent on successful execution. (American Banker)
Deposit competition could weigh on future margins: management said it expected deposit costs to drift slightly higher in the second half of 2026. If loan yields do not rise enough to offset that pressure, earnings growth may disappoint. (Investing.com)
Data summarised monthly by Lightyear AI. Last updated on 20 Oct 2026.
UCB Financial Performance
Revenues and expenses
UCB Earnings Performance
Company profitability
Upcoming events
No upcoming events
UCB News
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Funds containing UCB
AllUSDEURGBP
Fund name | Fund size | $UCB weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.26% |
iShares S&P Small Cap 600£ISP6 | $3.2B | 0.26% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.15% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.15% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.13% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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