United Community Banks, Inc.

NYSE:UCB Stock Report

Market Cap: US$3.9b

United Community Banks Future Growth

Future criteria checks 1/6

United Community Banks is forecast to grow earnings and revenue by 8.3% and 6.8% per annum respectively. EPS is expected to grow by 8.1% per annum. Return on equity is forecast to be 9.3% in 3 years.

Key information

8.3%

Earnings growth rate

8.09%

EPS growth rate

Banks earnings growth9.1%
Revenue growth rate6.8%
Future return on equity9.27%
Analyst coverage

Good

Last updated09 Dec 2025

Recent future growth updates

Recent updates

United Community Banks: Offering Growth At A Reasonable Price

Aug 27

United Community Banks (NYSE:UCB) Is Paying Out A Larger Dividend Than Last Year

Aug 18
United Community Banks (NYSE:UCB) Is Paying Out A Larger Dividend Than Last Year

United Community Banks (NYSE:UCB) Has Affirmed Its Dividend Of $0.24

May 19
United Community Banks (NYSE:UCB) Has Affirmed Its Dividend Of $0.24

United Community Banks: A Change In Stance Is Appropriate

Mar 03

United Community Banks (NYSE:UCB) Will Pay A Dividend Of $0.24

Feb 28
United Community Banks (NYSE:UCB) Will Pay A Dividend Of $0.24

United Community Banks (NYSE:UCB) Has Announced A Dividend Of $0.24

Dec 03
United Community Banks (NYSE:UCB) Has Announced A Dividend Of $0.24

United Community Banks (NYSE:UCB) Has Affirmed Its Dividend Of $0.24

Nov 18
United Community Banks (NYSE:UCB) Has Affirmed Its Dividend Of $0.24

United Community Banks: Too Rich For My Blood

Nov 12

United Community Banks' (NYSE:UCB) Upcoming Dividend Will Be Larger Than Last Year's

Sep 04
United Community Banks' (NYSE:UCB) Upcoming Dividend Will Be Larger Than Last Year's
User avatar

Calculated Shifts And Focused Growth Outlook Brighten Bank's Financial Horizon

Focused approach on improving net interest margin and deposit mix enhances profitability and margin sustainability without detailing financial specifics.

United Community Banks: Preferred Share Downgrade On Low Yield

Aug 19

United Community Banks' (NYSE:UCB) Dividend Will Be Increased To $0.24

Aug 19
United Community Banks' (NYSE:UCB) Dividend Will Be Increased To $0.24

United Community Banks (NASDAQ:UCBI) Is Due To Pay A Dividend Of $0.23

Feb 29
United Community Banks (NASDAQ:UCBI) Is Due To Pay A Dividend Of $0.23

Earnings and Revenue Growth Forecasts

NYSE:UCB - Analysts future estimates and past financials data (USD Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
12/31/20271,172369N/AN/A4
12/31/20261,121355N/AN/A5
12/31/20251,060321N/AN/A5
9/30/2025989306439467N/A
6/30/2025923265319351N/A
3/31/2025908253322360N/A
12/31/2024901245303350N/A
9/30/2024827183169223N/A
6/30/2024829185243303N/A
3/31/2024810181229293N/A
12/31/2023804181221294N/A
9/30/2023863248296371N/A
6/30/2023875280375445N/A
3/31/2023866283439497N/A
12/31/2022826269565607N/A
9/30/2022777240552585N/A
6/30/2022753232516544N/A
3/31/2022735236494525N/A
12/31/2021744261333359N/A
9/30/2021754269356388N/A
6/30/2021717242276306N/A
3/31/2021644199186204N/A
12/31/2020577159140159N/A
9/30/2020534151101111N/A
6/30/2020524153110121N/A
3/31/202054817295107N/A
12/31/2019561184133154N/A
9/30/2019553181146166N/A
6/30/2019543176N/A202N/A
3/31/2019534171N/A233N/A
12/31/2018522165N/A270N/A
9/30/2018505108N/A261N/A
6/30/201847992N/A227N/A
3/31/201845781N/A218N/A
12/31/201744067N/A208N/A
9/30/2017428106N/A201N/A
6/30/2017425105N/A207N/A
3/31/2017415102N/A200N/A
12/31/2016404101N/A140N/A
9/30/201639392N/A95N/A
6/30/201637184N/A86N/A
3/31/201634976N/A88N/A
12/31/201532872N/A113N/A
9/30/201530472N/A139N/A
6/30/201528971N/A116N/A
3/31/201528370N/A99N/A
12/31/201427467N/A99N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: UCB's forecast earnings growth (8.3% per year) is above the savings rate (3.3%).

Earnings vs Market: UCB's earnings (8.3% per year) are forecast to grow slower than the US market (16.3% per year).

High Growth Earnings: UCB's earnings are forecast to grow, but not significantly.

Revenue vs Market: UCB's revenue (6.8% per year) is forecast to grow slower than the US market (10.7% per year).

High Growth Revenue: UCB's revenue (6.8% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: UCB's Return on Equity is forecast to be low in 3 years time (9.3%).

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/12/12 13:15
End of Day Share Price 2025/12/12 00:00
Earnings2025/09/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

United Community Banks, Inc. is covered by 13 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Gary TennerD.A. Davidson & Co.
null nullD.A. Davidson & Co.
Taylor BrodarickGuggenheim Securities, LLC