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United Community Banks, Inc.

UCB • Banks - Regional
$35.19
▼ -0.28 (-0.78%)
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
$4.24B
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: Oct 20, 2026, 12:15 PM UTC

Company Snapshot

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

Price$35.19
Change-0.78%
Shares Out120.44M
Market Cap$4.24B
Enterprise Value$383.80M
52W Range28.65 - 37.18
Beta0.90
P/E11.22
P/S2.73
P/B1.13
P/FCF8.93
EV/Sales0.25

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 · 2026-10-20
71/100
Bullish
Bullish
3
Hold
4
Bearish
0
Price Target
2026-10-20
Low
$37.00
Mean
$39.67
Median
$40.00
High
$42.00

Company Overview

IPO: 3/18/2002
Industry: Banks - Regional
P/B i: 1.13
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

Speir Thomas Hardaway
Transaction: 09/08/2026
BUY
Change
+12,752
Price
Not reported
Filing
09/09/2026
Type
BUY
Speir Thomas Hardaway
Transaction: 09/08/2026
OTHER
Change
0
Price
Not reported
Filing
09/08/2026
Type
OTHER
KUMLER ALAN H
Transaction: 09/01/2026
BUY
Change
+2,932
Price
Not reported
Filing
09/02/2026
Type
BUY