Financhill
Buy
51

UCB Quote, Financials, Valuation and Earnings

Last price:
$30.98
Seasonality move :
-2.17%
Day range:
$31.15 - $31.79
52-week range:
$22.93 - $34.57
Dividend yield:
3.14%
P/E ratio:
12.35x
P/S ratio:
2.48x
P/B ratio:
1.06x
Volume:
471.4K
Avg. volume:
682.9K
1-year change:
-3.37%
Market cap:
$3.8B
Revenue:
$1.5B
EPS (TTM):
$2.53

Analysts' Opinion

  • Consensus Rating
    United Community Banks, Inc. has received a consensus rating of Hold. The company's average rating is a Hold based on 3 Buy ratings, 4 Hold ratings, and 0 Sell ratings.
  • Price Target Upside
    According to analysts' consensus price target of $35.25, United Community Banks, Inc. has an estimated upside of 12.91% from its current price of $31.22.
  • Price Target Downside
    According to analysts, the lowest downside price target is $33.50 representing 100% downside risk from its current price of $31.22.

Fair Value

  • According to the consensus of 7 analysts, United Community Banks, Inc. has 12.91% upside to fair value with a price target of $35.25 per share.

UCB vs. S&P 500

  • Over the past 5 trading days, United Community Banks, Inc. has underperformed the S&P 500 by -2.57% suggesting its relative strength compared to the major market average is weak at this time.

Share Buyback

  • United Community Banks, Inc. does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • United Community Banks, Inc. has grown year-over-year revenues for 2 quarters straight. In the most recent quarter United Community Banks, Inc. reported revenues of $399.6M.

Earnings Growth

  • United Community Banks, Inc. has grown year-over-year earnings for 4 quarters straight. In the most recent quarter United Community Banks, Inc. reported earnings per share of $0.70.
Enterprise value:
4B
EV / Invested capital:
--
Price / LTM sales:
2.48x
EV / EBIT:
4.36x
EV / Revenue:
2.59x
PEG ratio (5yr expected):
0.19x
EV / Free cash flow:
9.31x
Price / Operating cash flow:
8.90x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
1.13%
Net Income Margin (TTM):
20.71%
Return On Equity:
8.99%
Return On Invested Capital:
8.34%
Operating Margin:
31.25%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Income Statement
Revenue $1.3B $1.4B $1.5B $357.8M $399.6M
Gross Profit -- -- -- -- --
Operating Income $350.2M $249.5M $410.3M $62M $124.9M
EBITDA -- -- -- -- --
Diluted EPS $2.18 $1.53 $2.53 $0.38 $0.70
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Balance Sheet
Current Assets $1.9B $527.1M $823.7M $802.1M $669M
Total Assets $19.5B $23.7B $26.9B $27.4B $28.1B
Current Liabilities $10.2B $12.4B $12.2B $12.2B $12.3B
Total Liabilities $17.4B $21.1B $23.7B $24B $24.5B
Total Equity $2.1B $2.6B $3.2B $3.4B $3.6B
Total Debt $247.1M $324.5M $324.8M $316.4M $155.3M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Cash Flow Statement
Cash Flow Operations $384.4M $236.1M $451.7M $8.2M $120.8M
Cash From Investing -$192.2M -$484M -$582M -$63.6M -$17.2M
Cash From Financing $83.3M $228.5M $3.8M $232.6M -$65.1M
Free Cash Flow $308.8M $181.3M $424.3M -$1.7M $115.4M
UCB
Sector
Market Cap
$3.8B
$554M
Price % of 52-Week High
90.31%
90.96%
Dividend Yield
3.14%
1.58%
Shareholder Yield
6.75%
3.08%
1-Year Price Total Return
-3.37%
6.77%
Beta (5-Year)
0.828
0.463
Dividend yield:
3.14%
Annualized payout:
$0.94
Payout ratio:
35.48%
Growth streak:
10 years

Technicals

8-day SMA
Sell
Level $32.08
200-day SMA
Buy
Level $30.03
Bollinger Bands (100)
Sell
Level 30.12 - 32.5
Chaikin Money Flow
Sell
Level -1.8M
20-day SMA
Sell
Level $31.98
Relative Strength Index (RSI14)
Sell
Level 43.68
ADX Line
Sell
Level 17.49
Williams %R
Buy
Level -95.702
50-day SMA
Buy
Level $30.77
MACD (12, 26)
Buy
Level 8.74
25-day Aroon Oscillator
Buy
Level 44
On Balance Volume
Sell
Level -2.7M

Financial Scores

Sell
Altman Z-Score (Annual)
Level (-0.3667)
Sell
CA Score (Annual)
Level (-2.0409)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (6)
Sell
Ohlson Score
Level (4.1526)
Buy
Piotroski F Score (Annual)
Level (7)
Buy
Quality Ratio Score
Level (3)
Buy
Fundamental Score
Level (8)

Revenue Forecast

Earnings per Share Forecast

Company Profile

United Community Banks, Inc. is a bank holding company, which engages in the provision of diversified financial services. The firm also offers checking, savings, mortgages, borrowing, digital banking, credit cards, and investing services. The company was founded in 1950 and is headquartered in Greenville, SC.

Stock Forecast FAQ

In the current month, UCB has received 3 Buy ratings 4 Hold ratings, and 0 Sell ratings. The UCB average analyst price target in the past 3 months is $35.25.

  • Where Will United Community Banks, Inc. Stock Be In 1 Year?

    According to analysts, the consensus estimate is that United Community Banks, Inc. share price will rise to $35.25 per share over the next 12 months.

  • What Do Analysts Say About United Community Banks, Inc.?

    Analysts are divided on their view about United Community Banks, Inc. share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that United Community Banks, Inc. is a Sell and believe this share price will drop from its current level to $33.50.

  • What Is United Community Banks, Inc.'s Price Target?

    The price target for United Community Banks, Inc. over the next 1-year time period is forecast to be $35.25 according to 7 Wall Street analysts, 3 of them rate the stock a Buy, 0 rate the stock a Sell, and 4 analysts rate the stock a Hold.

  • Is UCB A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for United Community Banks, Inc. is a Hold. 4 of 7 analysts rate the stock a Hold at this time.

  • How Can I Buy Shares Of UCB?

    You can purchase shares of United Community Banks, Inc. via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase United Community Banks, Inc. shares.

  • What Is The United Community Banks, Inc. Share Price Today?

    United Community Banks, Inc. was last trading at $30.98 per share. This represents the most recent stock quote for United Community Banks, Inc.. Yesterday, United Community Banks, Inc. closed at $31.22 per share.

  • How To Buy United Community Banks, Inc. Stock Online?

    In order to purchase United Community Banks, Inc. stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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