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United Community Banks, Inc.

UCB • Banks - Regional
$35.64
▲ +0.25 (+0.71%)
Current price
EarningsLatest report: Jun 30, 2026
FAVORABLE PROFILEAttractiveConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.
Market Cap
$4.29B
Growth
0.9%
Cash Flow
5/5
Trend
Stable
Evidence
Stable or improving margins · 21.4%Positive revenue growth · 11.6%Positive free cash flow · 3.35Consistent free cash flow · 5/5Reasonable earnings multiple · 11.58
Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 7, 2026, 12:46 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$35.64
Change0.71%
Shares Out120.44M
Market Cap$4.29B
Enterprise Value$437.68M
52W Range28.65 - 37.18
Beta0.83
P/E11.36
P/S2.76
P/B1.15
P/FCF9.04
EV/Sales0.28

Investment DNA

How strong this company looks for long-term investors

77
out of 100
Business Quality
Margins, moat, returns
85/100
Financial Strength
Debt, cash, stability
39/100
Growth Potential
Revenue and expansion
58/100
Price Attractiveness
Cheap or expensive today
89/100
Why this score▼
Stable or improving margins · 21.4%Positive revenue growth · 11.6%Positive free cash flow · 3.35Consistent free cash flow · 5/5Reasonable earnings multiple · 11.58Manageable debt level · 0.06

Analyst view

Analyst sentiment and price target

UCB
Analyst sentiment
Based on 7 analyst votes · 2026-09-05
71/100
Bullish
Bullish
3
Hold
4
Bearish
0
Price Target
2026-08-07
Low
$37.00
Mean
$39.00
Median
$40.00
High
$40.00

Company Overview

IPO: 3/18/2002
Industry: Banks - Regional
P/B i: 1.15
Debt / Equity i: 0.06
Operating Margin: 27.48%
Net Margin: 21.35%
ROE i: -
ROIC: -

Financial Health

Score8 / 20
Debt / Equity: 0.06
Current Ratio: 0.17
Quick Ratio: 0.17
Status: Moderate

Warnings

  • Weak Liquidity
  • Weak quick ratio

Insider Transactions

Recent executive and insider activity

Carande Carl Steven
Transaction: 08/01/2026
OTHER
Change
0
Price
Not reported
Filing
08/03/2026
Type
OTHER
EDWARDS ROBERT A.
Transaction: 07/29/2026
SELL
Change
-1,500
Price
Not reported
Filing
07/30/2026
Type
SELL
HARRALSON JEFFERSON L
Transaction: 07/28/2026
SELL
Change
-25,000
Price
$35.41
Filing
07/28/2026
Type
SELL