United Community Banks (UCB) Stock Overview
Operates as the bank holding company for United Community Bank that provides financial services in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 0/6 |
| Past Performance | 5/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
Community Fair Values
United Community Banks, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$36.76 |
| 52 Week High | US$37.18 |
| 52 Week Low | US$28.65 |
| Beta | 0.83 |
| 1 Month Change | 3.23% |
| 3 Month Change | 14.66% |
| 1 Year Change | 16.48% |
| 3 Year Change | 32.42% |
| 5 Year Change | 25.25% |
| Change since IPO | -47.92% |
Recent News & Updates
Recent updates
Shareholder Returns
| UCB | US Banks | US Market | |
|---|---|---|---|
| 7D | 3.0% | 1.6% | 1.7% |
| 1Y | 16.5% | 26.3% | 20.0% |
Return vs Industry: UCB underperformed the US Banks industry which returned 27.4% over the past year.
Return vs Market: UCB underperformed the US Market which returned 18.4% over the past year.
Price Volatility
| UCB volatility | |
|---|---|
| UCB Average Weekly Movement | 3.2% |
| Banks Industry Average Movement | 3.3% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.2% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: UCB has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: UCB's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1950 | 3,141 | Herbert Harton | www.ucbi.com |
United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts. It also provides loans comprising owner occupied and income producing CRE, commercial and industrial, equipment financing, residential mortgage, home equity, manufactured housing, and consumer loans, as well as commercial and residential construction and land.
United Community Banks, Inc. Fundamentals Summary
| UCB fundamental statistics | |
|---|---|
| Market cap | US$4.39b |
| Earnings (TTM) | US$370.65m |
| Revenue (TTM) | US$1.11b |
Is UCB overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| UCB income statement (TTM) | |
|---|---|
| Revenue | US$1.11b |
| Cost of Revenue | US$0 |
| Gross Profit | US$1.11b |
| Other Expenses | US$737.76m |
| Earnings | US$370.65m |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 3.07 |
| Gross Margin | 100.00% |
| Net Profit Margin | 33.44% |
| Debt/Equity Ratio | 32.9% |
How did UCB perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/08/13 14:24 |
| End of Day Share Price | 2026/08/13 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
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 |
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| Ownership | 10 years |
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| Management | 10 years |
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| 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 11 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.
| Analyst | Institution |
|---|---|
| Gary Tenner | D.A. Davidson & Co. |
| null null | D.A. Davidson & Co. |
| Taylor Brodarick | Guggenheim Securities, LLC |