UCB
United Community Banks, Inc. NYSE Listed Jan 4, 2000$32.85
+0.89%
vs $32.56
Mkt Cap $3.9B
52w Low $27.70
56.8% of range
52w High $36.77
50d MA $33.32
200d MA $32.28
P/E (TTM)
12.5x
EV/EBITDA
0.4x
P/B
1.1x
Debt/Equity
0.1x
ROE
9.0%
P/FCF
9.8x
RSI (14)
49.30
ATR (14)
$0.69
Beta
0.84
50d MA
$33.32
200d MA
$32.28
Avg Volume
849.8K
United Community Banks, Inc. operates as the financial holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors. It accepts various deposit products, including checking, savings, money market, and other deposit accounts. The company also offers lending services, including real estate, consumer, and commercial loans, to individuals, small businesses, mid-sized commercial businesses, and non-profit organizations, as well as secured and unsecured, and mortgage loans. In addition, it originates loans partially guaranteed by the SBA and USDA loan programs. Further, the company provides wealth management services comprising financial planning, customized portfolio management, and investment advice; trust services to manage fiduciary assets; non-deposit investment products; and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities, as well as invests in residential and commercial mortgage-backed securities, asset-backed securities, the U.S. treasury, the U.S. agency, and municipal obligations. Additionally, it offers reinsurance on a property insurance contract; insurance agency services; treasury management; credit cards; payment and commerce solution, equipment finance, investment advisory, and other related financial services; brokerage services; and payment processing, merchant, wire transfer, private banking, and other related financial services. The company was founded in 1950 and is headquartered in Blairsville, Georgia.
125 Highway 515 East · Blairsville, GA 30512 · US
| Date | Time | Est | Rptd | Surp | Base | Gap% | D1% | D2% | D3% | D4% | D5% | Guide ▲★ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Apr 21, 2026 | AMC | 0.71 | 0.70 | -1.4% | 33.18 | -0.2% | -0.9% | +2.4% | -1.8% | +1.8% | -0.1% | — |
| Jan 14, 2026 | AMC | 0.73 | 0.71 | -2.7% | 33.39 | -0.3% | +1.6% | -0.1% | -1.1% | +4.9% | -0.1% | — |
| Oct 22, 2025 | AMC | 0.70 | 0.75 | +7.8% | 30.06 | +0.7% | -0.7% | +0.2% | +0.5% | -0.9% | -1.9% | — |
| Jul 23, 2025 | AMC | 0.62 | 0.66 | +6.5% | 31.93 | +0.6% | -1.8% | +0.5% | -0.5% | -0.4% | -1.5% | — |
| Apr 22, 2025 | AMC | 0.56 | 0.59 | +5.4% | 26.27 | +2.8% | +1.4% | +2.6% | -0.2% | +1.1% | +0.8% | — |
| Jan 22, 2025 | AMC | 0.55 | 0.63 | +14.5% | 32.95 | +0.3% | +0.0% | +0.1% | +1.7% | +0.1% | -2.0% | — |
| Oct 23, 2024 | AMC | 0.58 | 0.57 | -1.4% | 28.20 | -0.1% | +0.2% | -2.1% | +3.4% | -0.1% | +2.0% | — |
| Jul 24, 2024 | AMC | 0.51 | 0.58 | +13.7% | 30.05 | +1.4% | +3.8% | +1.1% | -2.3% | +0.9% | -0.4% | — |
| Apr 24, 2024 | AMC | 0.50 | 0.52 | +5.4% | 26.33 | -1.4% | -1.9% | +0.6% | -1.3% | -1.6% | +1.7% | — |
| Feb 24, 2024 | AMC | 0.52 | 0.12 | -77.5% | — | — | — | — | — | — | — | — |
| Nov 3, 2023 | AMC | 0.44 | 0.40 | -9.1% | 24.00 | -0.0% | -1.8% | -1.2% | -0.6% | -1.4% | +0.6% | — |
| Aug 4, 2023 | AMC | 0.62 | 0.55 | -12.6% | 29.64 | -0.1% | +1.7% | -0.8% | -1.1% | -0.7% | +0.4% | — |
| Date | Firm | Action | Grade | Target | Base | Open | Gap% | D1% | D2% | D3% | D4% | D5% |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Apr 28 | Stephens & Co. | Maintains | Overweight → Overweight | — | $33.69 | $34.11 | +1.2% | -0.1% | -1.5% | +0.5% | +0.6% | -1.0% |
| Apr 27 | Hovde Group | Reiterates | Market Perform | $37 | $33.08 | $33.10 | +0.1% | +1.8% | -0.1% | -1.5% | +0.5% | +0.6% |
| Apr 22 | DA Davidson | Maintains | Buy → Buy | — | $33.18 | $33.13 | -0.2% | -0.9% | +2.4% | -1.8% | +1.8% | -0.1% |
| Apr 22 | Piper Sandler | Maintains | Neutral → Neutral | — | $33.18 | $33.13 | -0.2% | -0.9% | +2.4% | -1.8% | +1.8% | -0.1% |
| Apr 9 | Keefe, Bruyette & Woods | Upgrade | Market Perform → Outperform | — | $33.46 | $33.88 | +1.3% | +4.1% | -2.4% | +0.5% | -1.1% | -1.2% |
| Jan 15 | DA Davidson | Maintains | Buy → Buy | — | $33.39 | $33.30 | -0.3% | +1.6% | -0.1% | -1.1% | +4.9% | -0.1% |
| Jan 15 | Stephens & Co. | Maintains | Overweight → Overweight | — | $33.39 | $33.30 | -0.3% | +1.6% | -0.1% | -1.1% | +4.9% | -0.1% |
| Jan 15 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $33.39 | $33.30 | -0.3% | +1.6% | -0.1% | -1.1% | +4.9% | -0.1% |
| Jul 28 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $31.54 | $31.40 | -0.4% | -0.5% | -0.4% | -1.5% | -0.9% | -1.9% |
| Jul 24 | DA Davidson | Maintains | Buy → Buy | — | $31.93 | $32.12 | +0.6% | -1.8% | +0.5% | -0.5% | -0.4% | -1.5% |
| Jul 8 | Raymond James | Downgrade | Outperform → Market Perform | — | $31.19 | $30.93 | -0.8% | +0.5% | +0.4% | +0.6% | -1.5% | +1.7% |
| Apr 30 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $27.77 | $27.11 | -2.4% | -0.6% | +1.0% | +2.5% | -0.5% | -2.1% |
| Apr 23 | Stephens & Co. | Maintains | Overweight → Overweight | — | $26.27 | $27.00 | +2.8% | +1.4% | +2.6% | -0.2% | +1.1% | +0.8% |
| Apr 23 | DA Davidson | Maintains | Buy → Buy | — | $26.27 | $27.00 | +2.8% | +1.4% | +2.6% | -0.2% | +1.1% | +0.8% |
| Mar 20 | Hovde Group | Maintains | Market Perform → Market Perform | — | $28.93 | $27.67 | -4.4% | -2.8% | -0.5% | +3.4% | -1.0% | +0.2% |
| Jan 23 | Piper Sandler | Maintains | Neutral → Neutral | — | $32.95 | $33.06 | +0.3% | +0.0% | +0.1% | +1.7% | +0.1% | -2.0% |
| Oct 25 | Truist | Maintains | Hold → Hold | — | $28.25 | $28.30 | +0.2% | -2.1% | +3.4% | -0.1% | +2.0% | -2.2% |
| Oct 25 | Piper Sandler | Maintains | Neutral → Neutral | — | $28.25 | $28.30 | +0.2% | -2.1% | +3.4% | -0.1% | +2.0% | -2.2% |
| Sep 20 | Truist | Maintains | Hold → Hold | — | $30.32 | $30.10 | -0.7% | -2.6% | -0.7% | -1.7% | -1.6% | +0.8% |
| Jul 25 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $30.05 | $30.46 | +1.4% | +3.8% | +1.1% | -2.3% | +0.9% | -0.4% |
| Jul 25 | Truist | Maintains | Hold → Hold | — | $30.05 | $30.46 | +1.4% | +3.8% | +1.1% | -2.3% | +0.9% | -0.4% |
| Jul 25 | DA Davidson | Maintains | Buy → Buy | — | $30.05 | $30.46 | +1.4% | +3.8% | +1.1% | -2.3% | +0.9% | -0.4% |
| Jul 8 | Truist | Maintains | Hold → Hold | — | $24.68 | $24.85 | +0.7% | -0.5% | +1.7% | +2.7% | +5.4% | -0.1% |
| Apr 25 | Piper Sandler | Maintains | Neutral → Neutral | — | $26.33 | $25.97 | -1.4% | -1.9% | +0.6% | -1.3% | -1.6% | +1.7% |
| Apr 1 | Truist | Maintains | Hold → Hold | — | $26.32 | $26.14 | -0.7% | -3.9% | -1.0% | +0.3% | +0.5% | +0.2% |
| Date | Insider | Title | Type | Shares | Price | Value | Owned After | D1% | D5% |
|---|---|---|---|---|---|---|---|---|---|
| Apr 27, 2026 | BRADSHAW RICHARDOff | EVP, Chief Banking Officer | Sell | 1,510 | $33.09 | $50K | 84,497 | -1.46% | +1.13% |
8-K · 1.01
!! High
United Community Banks, Inc. -- 8-K 1.01: Material Agreement
Jun 12
S-4
!!! Very High
United Community Banks, Inc. -- Merger Registration
United Community Banks shareholders will receive $1.00 per share in cash upon completion of the merger, representing the company's acquisition at a fixed valuation.
May 28
8-K
United Community Banks, Inc. -- 8-K Filing
May 15
8-K · 5.02
!!! Very High
United Community Banks, Inc. -- 8-K 5.02: Executive Change
United Community Banks' Executive Vice President and Chief Financial Officer will resign effective December 31, 2026, creating a leadership transition that investors should monitor for replacement announcements.
Apr 28
8-K · 7.01
! Medium
United Community Banks, Inc. -- 8-K 7.01: Regulation FD Disclosure
United Community Banks will host an earnings call on April 21, 2026, to discuss Q1 2026 results, giving investors opportunity to hear management commentary and ask questions about financial performance.
Apr 21
8-K · 8.01
!! High
United Community Banks, Inc. -- 8-K 8.01: Material Event / Announcement
United Community Banks will acquire Peach State Bancshares in an all-stock merger, creating a larger regional banking entity with combined operations and customer base.
Apr 21
Institutional (13F) — Top 20
All ↗
| # | Manager | Shares | Value | Chg | Period |
|---|---|---|---|---|---|
| 1 | Fmr Llc | 8,950,235 | $282M | Reduced | Mar 2026 |
| 2 | Vanguard Portfolio Management Llc | 8,044,992 | $253M | New | Mar 2026 |
| 3 | Vanguard Capital Management Llc | 5,376,189 | $169M | New | Mar 2026 |
| 4 | Neuberger Berman Group Llc | 3,490,768 | $110M | Reduced | Mar 2026 |
| 5 | Morgan Stanley | 2,151,102 | $67M | Added | Dec 2025 |
| 6 | Invesco Ltd. | 1,774,405 | $56M | Reduced | Mar 2026 |
| 7 | Bank Of New York Mellon Corp | 1,316,251 | $41M | Added | Mar 2026 |
| 8 | Northern Trust Corp | 1,312,784 | $41M | Added | Mar 2026 |
| 9 | Bnp Paribas Asset Management Holding S.a. | 1,055,262 | $33M | Added | Mar 2026 |
| 10 | Systematic Financial Management Lp | 878,302 | $28M | Reduced | Mar 2026 |
| 11 | Bank Of America Corp /de/ | 747,576 | $24M | Added | Mar 2026 |
| 12 | Segall Bryant & Hamill, Llc | 682,001 | $21M | New | Mar 2026 |
| 13 | Nuveen, Llc | 613,831 | $19M | Reduced | Mar 2026 |
| 14 | Principal Financial Group Inc | 579,388 | $18M | Reduced | Dec 2025 |
| 15 | Sei Investments Co | 446,292 | $14M | Added | Mar 2026 |
| 16 | Jpmorgan Chase & Co | 429,066 | $13M | Added | Mar 2026 |
| 17 | Panagora Asset Management Inc | 416,102 | $13M | Added | Mar 2026 |
| 18 | Qube Research & Technologies Ltd | 391,883 | $12M | Reduced | Mar 2026 |
| 19 | Millennium Management | 373,731 | $12M | Added | Mar 2026 |
| 20 | Raymond James Financial Inc | 292,596 | $9M | Reduced | Mar 2026 |
Mutual Funds / ETFs (N-PORT) — Top 20
All ↗
Valuation
Market Cap
$3.93B
Enterprise Value
$169.1M
P/E (TTM)
12.54x
Forward P/E
10.98x
PEG Ratio
0.40x
P/B
1.10x
P/S
2.60x
P/FCF
9.82x
EV/EBITDA
0.37x
Shares Out
121.8M
Financials (TTM)
Revenue
$1.54B
Net Income
$328.1M
EBITDA
$456.5M
Free Cash Flow
$407.7M
Op Cash Flow
$435.3M
EPS Basic
$2.63
EPS Diluted
$2.62
EPS Forward
$2.99
Gross Margin
66.0%
Op Margin
27.5%
Net Margin
21.3%
Balance Sheet
Total Assets
$28.00B
Total Liab.
$24.36B
Total Equity
$3.64B
Cash
$3.95B
LT Debt
$120.4M
Book Value/Sh
$29.91
Debt/Equity
0.06x
Current Ratio
0.17
Quick Ratio
0.17
Returns & Growth
ROE
9.0%
ROA
1.2%
ROIC
7.8%
Rev Growth YoY
+3.8%
EPS Growth YoY
+28.9%
Price Returns
2W
+0.9%
1M
-1.1%
3M
+2.4%
6M
+7.8%
12M
+14.6%
Technicals
52W High
$36.77
52W Low
$27.70
50d MA
$33.32
200d MA
$32.28
RSI (14)
49.30
ATR (14)
$0.69
Beta
0.84
Avg Volume
850K
Dividends
Div Rate
$1.01
Div Yield
3.0%
Frequency
4
Ex-Div Date
Mar 13, 2026
Analyst Price Targets
Consensus
$39.50
High
$40.00
Low
$39.00
Median
$39.50
Data updated apr 27, 2026 6:27am
· Source: financialmodelingprep.com