UCBN Stock Overview
Operates as the bank holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 2/6 |
| Past Performance | 5/6 |
| Financial Health | 6/6 |
| Dividends | 5/6 |
Rewards
Risk Analysis
No risks detected for UCBN from our risk checks.
Community vs My Fair Value
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United Community Banks, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$25.60 |
| 52 Week High | US$33.20 |
| 52 Week Low | US$22.60 |
| Beta | 0.92 |
| 1 Month Change | -20.00% |
| 3 Month Change | -17.95% |
| 1 Year Change | 12.28% |
| 3 Year Change | -24.26% |
| 5 Year Change | 39.13% |
| Change since IPO | 250.68% |
Recent News & Updates
Recent updates
Shareholder Returns
| UCBN | DE Banks | DE Market | |
|---|---|---|---|
| 7D | -7.2% | -0.5% | -0.5% |
| 1Y | 12.3% | 36.4% | 15.5% |
Return vs Industry: UCBN underperformed the German Banks industry which returned 36.4% over the past year.
Return vs Market: UCBN underperformed the German Market which returned 15.5% over the past year.
Price Volatility
| UCBN volatility | |
|---|---|
| UCBN Average Weekly Movement | 4.5% |
| Banks Industry Average Movement | 3.4% |
| Market Average Movement | 5.3% |
| 10% most volatile stocks in DE Market | 12.0% |
| 10% least volatile stocks in DE Market | 2.8% |
Stable Share Price: UCBN has not had significant price volatility in the past 3 months compared to the German market.
Volatility Over Time: UCBN's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1950 | 2,979 | Herbert Harton | www.ucbi.com |
United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts; and lending services, such as real estate, commercial, consumer, secured and unsecured, and mortgage loans to individuals, small and mid-sized businesses, and non-profit organizations. It also originates loans partially guaranteed by the United States Small Business Administration and the United States Department of Agriculture loan programs.
United Community Banks, Inc. Fundamentals Summary
| UCBN fundamental statistics | |
|---|---|
| Market cap | €3.12b |
| Earnings (TTM) | €224.79m |
| Revenue (TTM) | €828.09m |
13.9x
P/E Ratio1.0x
P/B RatioIs UCBN overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| UCBN income statement (TTM) | |
|---|---|
| Revenue | US$901.17m |
| Cost of Revenue | US$0 |
| Gross Profit | US$901.17m |
| Other Expenses | US$656.55m |
| Earnings | US$244.63m |
Last Reported Earnings
Dec 31, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 2.05 |
| Gross Margin | 100.00% |
| Net Profit Margin | 27.15% |
| Debt/Equity Ratio | 15.4% |
How did UCBN perform over the long term?
See historical performance and comparisonDividends
3.4%
Current Dividend Yield46%
Payout RatioDoes UCBN pay a reliable dividends?
See UCBN dividend history and benchmarks| United Community Banks dividend dates | |
|---|---|
| Ex Dividend Date | Mar 14 2025 |
| Dividend Pay Date | Apr 04 2025 |
| Days until Ex dividend | 2 days |
| Days until Dividend pay date | 19 days |
Does UCBN pay a reliable dividends?
See UCBN dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/03/16 01:02 |
| End of Day Share Price | 2025/03/14 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* 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
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
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 15 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Gary Tenner | D.A. Davidson & Co. |
| Brett Scheiner | FBR Capital Markets & Co. |
| Taylor Brodarick | Guggenheim Securities, LLC |