United Community Banks, Inc.

UCB • Banks - Regional

$35.19

— 0.00 (0.00%)

ResultadosÚltimo reporte: 30 jun 2026

PERFIL FAVORABLEAtractivaConfianza: 70%

Perfil cuantitativo — no constituye una recomendación de inversión.

Perfil cuantitativo — no constituye una recomendación de inversión.Metodología

Tesis del análisis: Alta calidad del negocio, con crecimiento y flujo de caja que respaldan el caso. La valoración todavía importa, pero el historial de ratios es favorable.

Capitalización

$4.24B

Crecimiento

0.9%

Flujo de caja

5/5

Tendencia

Stable

Evidencia

Márgenes estables o en mejora · 21.4%Crecimiento positivo de ingresos · 11.6%Flujo de caja libre positivo · 3.35Flujo de caja libre consistente · 5/5Múltiplo de ganancias razonable · 11.58

Datos financieros hasta: 30 jun 2026, 12:00 a.m. UTCÚltima actualización de earnings: 30 jun 2026, 12:00 a.m. UTCÚltima actualización del perfil: 20 oct 2026, 12:15 p.m. UTC

Resumen de la compañía

Valoración, calidad, fortaleza financiera, momentum y datos de analistas.

Price$35.19

Change0.00%

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

Price$35.19

Change0.00%

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

EV/EBITDA0.79

EV/FCF0.81

Earnings Yield8.92%

FCF Yield11.20%

Dividend Yield3.60%

Gross Margin66.00%

Oper. Margin27.48%

Profit Margin21.35%

Debt/Eq0.06

Current Ratio0.17

Quick Ratio0.17

Revenue 5Y0.85%

FCF 5Y-0.30%

Target$39.67

Target Upside12.72%

Target Median$40.00

Target Range37.00 - 42.00

Volume779.60K

Avg Volume934.70K

EPS Surprise-0.01

ADN de inversión

Qué tan fuerte luce esta compañía para inversionistas de largo plazo

de 100

Calidad del negocio

Márgenes, ventaja competitiva, retornos

85/100

Fortaleza financiera

Deuda, caja, estabilidad

39/100

Potencial de crecimiento

Ingresos y expansión

58/100

Atractivo del precio

Barata o cara hoy

89/100

Por qué este puntaje▼

Márgenes estables o en mejora · 21.4%Crecimiento positivo de ingresos · 11.6%Flujo de caja libre positivo · 3.35Flujo de caja libre consistente · 5/5Múltiplo de ganancias razonable · 11.58Nivel de deuda manejable · 0.06

Analyst view

Analyst sentiment and price target

UCB

Analyst sentiment

Based on 7 analyst votes · 2026-10-20

71/100

Bullish

Hold

Bearish

Precio objetivo

2026-10-20

Bajo

$37.00

Promedio

$39.67

Mediana

$40.00

Alto

$42.00

Resumen de la compañía

IPO: 3/18/2002

Industria: Banks - Regional

P/B i: 1.13

Deuda / Patrimonio i: 0.06

Margen operativo: 27.48%

Margen neto: 21.35%

ROE i: -

ROIC: -

Salud financiera

Puntaje8 / 20

Deuda / Patrimonio: 0.06

Ratio corriente: 0.17

Ratio rápido: 0.17

Estado: Moderate

Advertencias

Weak Liquidity
Weak quick ratio

Transacciones internas

Actividad reciente de ejecutivos e insiders

Speir Thomas Hardaway

Transacción: 09/08/2026

COMPRA

Cambio

+12,752

Precio

Not reported

Presentación

09/09/2026

Tipo

COMPRA

Speir Thomas Hardaway

Transacción: 09/08/2026

OTRO

Cambio

Precio

Not reported

Presentación

09/08/2026

Tipo

OTRO

KUMLER ALAN H

Transacción: 09/01/2026

COMPRA

Cambio

+2,932

Precio

Not reported

Presentación

09/02/2026

Tipo

COMPRA

Insider	Tipo	Cambio	Precio	Transacción	Presentación
Speir Thomas Hardaway	COMPRA	+12,752	Not reported	09/08/2026	09/09/2026
Speir Thomas Hardaway	OTRO	0	Not reported	09/08/2026	09/08/2026
KUMLER ALAN H	COMPRA	+2,932	Not reported	09/01/2026	09/02/2026
KUMLER ALAN H	VENTA	-514	$36.74	08/15/2026	08/17/2026
Carande Carl Steven	COMPRA	+2,101	$35.35	08/10/2026	08/10/2026
Carande Carl Steven	OTRO	0	Not reported	08/01/2026	08/03/2026
EDWARDS ROBERT A.	VENTA	-1,500	Not reported	07/29/2026	07/30/2026
HARRALSON JEFFERSON L	VENTA	-25,000	$35.41	07/28/2026	07/28/2026
JAMES JOHN MARC	VENTA	-2,526	Not reported	07/24/2026	07/28/2026
RICHLOVSKY THOMAS A	VENTA	-2,526	Not reported	07/24/2026	07/28/2026
Bazante Jennifer M.	VENTA	-2,526	Not reported	07/24/2026	07/28/2026
DANIELS KENNETH L	VENTA	-2,526	Not reported	07/24/2026	07/28/2026
BRADSHAW RICHARD	VENTA	-2	$35.15	07/27/2026	07/27/2026
KUMLER ALAN H	VENTA	-113	$32.06	05/15/2026	05/19/2026
RICHLOVSKY THOMAS A	COMPRA	+2,330	Not reported	05/13/2026	05/14/2026
WILKINS DAVID H	COMPRA	+2,330	Not reported	05/13/2026	05/14/2026
JAMES JOHN MARC	COMPRA	+2,330	Not reported	05/13/2026	05/14/2026
WALLIS TIM	COMPRA	+2,330	Not reported	05/13/2026	05/14/2026
Mann Jennifer	COMPRA	+2,330	Not reported	05/13/2026	05/14/2026
Drummond Lance F.	COMPRA	+2,330	Not reported	05/13/2026	05/14/2026

Sobre la compañía

United Community Banks, Inc.

United Community Banks, Inc. functions as the parent entity for United Community Bank, through which it delivers a comprehensive array of financial solutions. These offerings cater to a diverse clientele, encompassing commercial enterprises, individual consumers, governmental bodies, educational institutions, and entities within the energy, healthcare, and real estate industries. Its core banking activities include accepting various deposit accounts, such as checking, savings, and money market options. The institution extends a broad spectrum of lending products, including real estate, consumer, and commercial loans. These are provided to individuals, small and mid-sized businesses, and non-profit organizations, encompassing both secured and unsecured options, as well as specialized mortgage financing. Furthermore, it originates loans partially backed by government initiatives like the Small Business Administration (SBA) and U.S. Department of Agriculture (USDA) programs. Beyond traditional banking, United Community Banks offers robust wealth management services, covering financial planning, bespoke portfolio management, and expert investment guidance. This is complemented by trust services for fiduciary asset administration, non-deposit investment alternatives, and a suite of insurance products, including life, long-term care, and tax-deferred annuities. The company also strategically invests its own capital in a range of securities, including residential and commercial mortgage-backed securities, asset-backed securities, U.S. Treasury and agency obligations, and municipal bonds. Additionally, the firm provides an extensive suite of supplementary financial tools, such as treasury management, credit and debit card services, diverse payment and commerce solutions, equipment financing, and dedicated investment advisory and brokerage services. It also facilitates reinsurance for property contracts, operates as an insurance agency, and offers specialized services like payment processing, merchant services, wire transfers, and private banking. Established in 1950, United Community Banks, Inc. maintains its corporate headquarters in Blairsville, Georgia.

Fuente - Link

Competidores

ASB BANF CADE FULT INTR MTB RNST SNV TBBK WBS

Tamaño = capitalización · color = línea del gráfico

Rendimiento de peers · 1A

Top performers + empresa seleccionada

Ultimas Noticias

United Community Banks, Inc. (UCB) Q3 2026 Earnings Call Transcript

United Community Banks, Inc. ( UCB ) Q3 2026 Earnings Call October 20, 2026 8:30 AM EDT Company Participants Herbert Harton - President, Chairman & CEO Tom Speir - Executive VP & CFO Richard Bradshaw - President & Chief Banking Officer Robert Edwards - Executive VP & Chief Risk Officer Conference Call Participants Russell Elliott Gunther - Stephens Inc., Research Division Gary Tenner - D.A. Davidson & Co., Research Division William Jones - Keefe, Bruyette, & Woods, Inc., Research Division Michael Rose - Raymond James & Associates, Inc., Research Division Christopher Marinac - Brean Capital, LLC, Research Division Emily Graves Stephen Scouten - Piper Sandler & Co., Research Division Presentation Operator Good morning, and welcome to United Community Banks' Third Quarter 2026 Earnings Call.

Seeking Alpha

What United Community Banks (UCB) Said on Its Q3 Earnings Call

United Community Banks NYSE: UCB reported third-quarter operating earnings of $0.77 per share, up from $0.71 in the second quarter, as core loan and deposit growth accelerated and the company completed actions intended to simplify its business, reduce credit risk and reposition its securities portfolio.

MarketBeat

United Community Banks (UCB) Reports Q3 Earnings: What Key Metrics Have to Say

Although the revenue and EPS for United Community Banks (UCB) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Zacks Investment Research

United Community Banks (UCB) Q3 Earnings Match Estimates

United Community Banks (UCB) came out with quarterly earnings of $0.77 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $0.75 per share a year ago.

Zacks Investment Research

United Community Banks, Inc. Reports Third Quarter Earnings

Third Quarter Results Reflect Execution of Significant Strategic Initiatives, Strong Core Loan Growth, and Robust Deposit Growth Third Quarter Results Reflect Execution of Significant Strategic Initiatives, Strong Core Loan Growth, and Robust Deposit Growth

GlobeNewsWire

Sorpresas de ganancias

Período	Estimado	Real	Sorpresa
2026-04-21	0.71	0.7	-0.01
2026-01-14	0.73	0.71	-0.02
2025-10-22	0.696	0.75	0.054
2025-07-23	0.62	0.66	0.04
2025-04-22	0.56	0.59	0.03
2025-01-22	0.55	0.63	0.08
2024-10-23	0.578	0.57	-0.008
2024-07-24	0.51	0.58	0.07
2024-04-24	0.4962	0.523	0.0268
2024-01-24	0.524	0.53	0.006
2023-10-18	0.44	0.45	0.01
2023-07-18	0.625	0.55	-0.075