UCB 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 | 5/6 |
| Future Growth | 3/6 |
| Past Performance | 5/6 |
| Financial Health | 6/6 |
| Dividends | 5/6 |
Rewards
Risk Analysis
No risks detected for UCB 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$23.60 |
| 52 Week High | US$35.38 |
| 52 Week Low | US$22.93 |
| Beta | 0.82 |
| 1 Month Change | -17.11% |
| 3 Month Change | -21.18% |
| 1 Year Change | -4.76% |
| 3 Year Change | -23.97% |
| 5 Year Change | 26.27% |
| Change since IPO | -66.56% |
Recent News & Updates
United Community Banks: A Change In Stance Is Appropriate
Mar 03United Community Banks (NYSE:UCB) Will Pay A Dividend Of $0.24
Feb 28
Recent updates
United Community Banks: A Change In Stance Is Appropriate
Mar 03United Community Banks (NYSE:UCB) Will Pay A Dividend Of $0.24
Feb 28United Community Banks (NYSE:UCB) Has Announced A Dividend Of $0.24
Dec 03United Community Banks (NYSE:UCB) Has Affirmed Its Dividend Of $0.24
Nov 18United Community Banks: Too Rich For My Blood
Nov 12United Community Banks' (NYSE:UCB) Upcoming Dividend Will Be Larger Than Last Year's
Sep 04
Calculated Shifts And Focused Growth Outlook Brighten Bank's Financial Horizon
Sep 03 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 19United Community Banks' (NYSE:UCB) Dividend Will Be Increased To $0.24
Aug 19United Community Banks (NASDAQ:UCBI) Is Due To Pay A Dividend Of $0.23
Feb 29United Community Banks GAAP EPS of $0.74 beats by $0.02, revenue of $216.30M misses by $10.38M
Oct 18United Community Banks (NASDAQ:UCBI) Is Increasing Its Dividend To $0.22
Sep 13United Community Banks (NASDAQ:UCBI) Is Paying Out A Larger Dividend Than Last Year
Aug 23United Community Banks raises dividend 4.8% to $0.22
Aug 18United Community Banks GAAP EPS of $0.61 misses by $0.04, revenue of $206.75M misses by $6.44M
Jul 19Shareholder Returns
| UCB | US Banks | US Market | |
|---|---|---|---|
| 7D | -2.6% | 5.3% | 5.4% |
| 1Y | -4.8% | 10.5% | 3.6% |
Return vs Industry: UCB underperformed the US Banks industry which returned 10.5% over the past year.
Return vs Market: UCB underperformed the US Market which returned 3.6% over the past year.
Price Volatility
| UCB volatility | |
|---|---|
| UCB Average Weekly Movement | 5.6% |
| Banks Industry Average Movement | 4.6% |
| Market Average Movement | 7.7% |
| 10% most volatile stocks in US Market | 16.8% |
| 10% least volatile stocks in US Market | 4.0% |
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 (6%) 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
| UCB fundamental statistics | |
|---|---|
| Market cap | US$2.82b |
| Earnings (TTM) | US$244.63m |
| Revenue (TTM) | US$901.17m |
11.5x
P/E Ratio0.8x
P/B RatioIs UCB overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| UCB 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
Apr 22, 2025
| Earnings per share (EPS) | 2.05 |
| Gross Margin | 100.00% |
| Net Profit Margin | 27.15% |
| Debt/Equity Ratio | 15.4% |
How did UCB perform over the long term?
See historical performance and comparisonDividends
4.1%
Current Dividend Yield46%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/04/13 14:45 |
| End of Day Share Price | 2025/04/11 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 |
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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 16 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. |
| null null | D.A. Davidson & Co. |
| Brett Scheiner | FBR Capital Markets & Co. |