United Community Banks/$UCB
1D1W1MYTD1Y5YMAX
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
- 3,141
- Headquarters
- Greenville, United States
- Website
- www.ucbi.com
UCB Metrics
BasicAdvanced
$4.2B
11.39
$3.06
0.83
$1.00
2.87%
Price and volume
Market cap
$4.2B
Beta
0.83
52-week high
$37.18
52-week low
$28.65
Average daily volume
747K
Dividend rate
$1.00
Financial strength
Dividend payout ratio (TTM)
32.53%
Profitability
Net profit margin (TTM)
34.09%
Operating margin (TTM)
47.77%
Effective tax rate (TTM)
22.61%
Revenue per employee (TTM)
$350,000
Management effectiveness
Return on assets (TTM)
1.32%
Return on equity (TTM)
10.27%
Valuation
Price to earnings (TTM)
11.395
Price to revenue (TTM)
3.808
Price to book
1.11
Price to tangible book (TTM)
1.5
Price to free cash flow (TTM)
11.737
Free cash flow yield (TTM)
8.52%
Free cash flow per share (TTM)
2.968
Dividend yield (TTM)
2.87%
Forward dividend yield
2.87%
Growth
Revenue change (TTM)
20.09%
Earnings per share change (TTM)
38.93%
3-year revenue growth (CAGR)
8.20%
3-year earnings per share growth (CAGR)
6.76%
10-year earnings per share growth (CAGR)
9.97%
3-year dividend per share growth (CAGR)
3.57%
10-year dividend per share growth (CAGR)
14.42%
Bulls say / Bears say
United’s core banking performance is trending positively: Q2 loans grew at a 6.8% annualized rate, net interest margin expanded to 3.68% for the sixth consecutive quarter, and operating EPS increased 8% year over year. (SEC)
The September 1 completion of the Navitas sale should simplify United’s business mix and allow greater concentration on core community banking, while removing much of the equipment-finance exposure from the balance sheet. (United Community Banks)
The Peach State transaction expands United’s presence in fast-growing Hall County, Georgia, adding approximately $784 million of assets, $524 million of loans, and $707 million of deposits while deepening its Southeast franchise. (SEC)
Operating momentum was solid, but Q2 2026 operating EPS of $0.71 missed the $0.81 consensus estimate, and revenue was slightly below expectations, prompting a negative initial market reaction. (Reuters)
Reported Q2 GAAP EPS benefited from a $38.5 million pre-tax reserve release tied to the Navitas portfolio, while United also incurred a $4.5 million California licensing-related expense; this makes underlying earnings quality less clean. (SEC)
The completed Peach State acquisition creates execution and shareholder-return risks: United expects to convert systems and branding in Q1 2027, issued approximately 1.3 million shares, and disclosed integration costs and potential dilution. (SEC)
Data summarised monthly by Lightyear AI. Last updated on 8 Sept 2026.
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Funds containing UCB
AllUSDGBPEUR
Fund name | Fund size | $UCB weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.23% |
iShares S&P Small Cap 600£ISP6 | £2.4B | 0.23% |
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.14% |
iShares MSCI World Small Cap$WSML | $9B | 0.03% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.03% |
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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