Inside the research
United Community Banks, Inc.
UCB Research profile · latest available data
Price overview
$34.23
▲ +0.35 (+1.0%)
| 52w hi | $36.82 |
|---|---|
| 52w lo | $28.07 |
| Vol | 1.02M |
| As of | 25 Sep 2026 |
The Verdict
Our score +0.36
| Short | +0.30 |
|---|---|
| Medium | +0.31 |
| Long | +0.55 |
computed 2026-09-27
Key fundamentals
United Community Banks, Inc.
Financial Services · Banks - Regional
| Market cap | $4.10B |
|---|---|
| Enterprise value | $4.79B |
| Trailing P/E | 11.19x |
| Forward P/E | 10.24x |
| P / S (ttm) | 3.72x |
| Profit margin | 34.1% |
| Return on equity | 10.3% |
| Revenue growth | +24.4% |
| Earnings growth | +50.8% |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| Fundamental | +0.43 | |
| Sector | +0.02 | |
| Technical | +0.01 | |
| Earnings | +0.00 | |
| Sentiment | +0.35 |
macro × 1.00 · 2026-09-27
Business overview
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.
Risk Metrics
| Beta vs SPX | 1.00 |
|---|---|
| Corr SPX | 0.54 |
| Annual vol | 29.5% |
| Annual ret | +11.7% |
| Sharpe | 0.40 |
| Max DD | -31.9% |
Window: 504 trading days (504 obs)
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-08-03 | Officer / Director Change, Reg FD Disclosure… | read |
| 2026-08-03 | Other Material Event, Exhibits | read |
| 2026-07-21 | Earnings Release, Reg FD Disclosure… | read |
| 2026-07-10 | Other Material Event, Exhibits | read |
| 2026-06-12 | Material Agreement, Reg FD Disclosure… | read |
| 2026-05-15 | Shareholder Vote | read |
| 2026-04-28 | Officer / Director Change, Reg FD Disclosure… | read |
| 2026-04-21 | Earnings Release, Reg FD Disclosure… | read |
| 2026-04-21 | Other Material Event, Exhibits | read |
| 2026-01-14 | Earnings Release, Reg FD Disclosure… | read |
| 2025-12-08 | Other Material Event, Exhibits | read |
| 2025-10-22 | Earnings Release, Reg FD Disclosure… | read |
Insider Trades
| Date | Insider | Role | Action | Shares | Value |
|---|---|---|---|---|---|
| 2026-08-10 | Carande Carl Steven | Buy | 2.10K | $74.27K | |
| 2026-08-01 | Carande Carl Steven | Grant | 1.59K | — | |
| 2026-07-29 | EDWARDS ROBERT A. | EVP, Chief Risk Officer | Gift | 1.50K | — |
| 2026-07-28 | HARRALSON JEFFERSON L | EVP, CFO | Sell | 25.00K | $885.25K |
| 2026-07-27 | BRADSHAW RICHARD | EVP, Chief Banking Office | Sell | 1.42K | $49.90K |
| 2026-07-27 | BRADSHAW RICHARD | EVP, Chief Banking Office | Sell | 2 | $70 |
| 2026-07-24 | Bazante Jennifer M. | Gift | 2.53K | — | |
| 2026-07-24 | DANIELS KENNETH L | Gift | 2.53K | — | |
| 2026-07-24 | RICHLOVSKY THOMAS A | Gift | 2.53K | — | |
| 2026-07-24 | JAMES JOHN MARC | Gift | 2.53K | — |
Flow & Concentration
| Insider 180d net | -$860.95K |
|---|---|
| Insider buys / sells | 1 / 3 |
| Insider bias | Neutral |
| 13F holders | 0 |
| Top-5 share | 0.0% |
| HHI | 0 (—) |
Dividends
| Yield (TTM) | 1.46% |
|---|---|
| $ / share (TTM) | $0.50 |
| 5y CAGR | +6.4% |
Annual dividend per share
| 2021 | $0.78 |
|---|---|
| 2022 | $0.86 |
| 2023 | $0.92 |
| 2024 | $0.94 |
| 2025 | $0.98 |
| 2026 | $0.25 |
SEC Filings
The Long Run
FY 2011–2025 · 15 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Revenue | $1.06B | +28.8% | |
| Net income | $328.10M | +19.1% | |
| Cash from ops | $293.97M | +4.3% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $34.01 | $34.41 | $33.95 | $34.23 | 1.02M |
| Sep 24 | $33.70 | $34.01 | $33.41 | $33.88 | 659.80K |
| Sep 23 | $34.13 | $34.23 | $33.50 | $33.51 | 708.50K |
| Sep 22 | $34.86 | $34.86 | $34.19 | $34.19 | 786.00K |
| Sep 21 | $34.83 | $34.94 | $34.59 | $34.59 | 609.80K |
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