Financial Services
United Community Banks, Inc.(UCB)
Live Price
Offline$34.27
+0.88% today
1Y Change
+24.34%
Window
Jun 20, 2025 โ Jun 12, 2026
- Market Cap
- $4.01B
- Revenue Growth
- +3.8%
- EPS Growth
- +28.9%
- Dividend Yield
- 3.0%
Coverage: 246 bars ยท Jun 20, 2025 โ Jun 12, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
United Community Banks, Inc. (UCB) is a Financial Services stock with a market cap of $4.01B and listed on NYSE. The stock last traded around $34.27 and up 24.3% across the available one-year price window (Jun 20, 2025 โ Jun 12, 2026). Baseline metrics include revenue growth of +3.8%, EPS growth of +28.9%, a dividend yield of 3.0%. What stands out right now is revenue +3.8%, EPS +28.9%, free cash flow +34.7% with operating margin 28.4% and ROIC 1.2%. The dividend matters to the case here, with a current yield around 3.0%. Valuation is more restrained than many high-expectation growth names at P/E 11.8 and price/sales 2.6. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines UCB price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Near sector median
+3.8% vs +3.4% peer median
Operating Margin
Above sector median
+28.4% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 21, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +3.8% and EPS at +28.9%, with operating margin around 28.4%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 3.0%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +1.3% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 21, 2026 | โ | -0.9% | +1.4% | -2.1% |
2026 Jan 14, 2026 | -2.7% | +1.6% | +5.2% | +3.4% |
2025 Oct 22, 2025 | +7.8% | -0.7% | -2.8% | -1.0% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
UCB
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
UCB Max Drawdown
-18.63%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for UCB and SPY.
Company Overview
United Community Banks, Inc.
New York Stock Exchange
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.
- Leadership
- Herbert Lynn Harton
- IPO Date
- Jan 4, 2000
- Employees
- 3.0k
- Street Address
- 125 Highway 515 East
- Mailing
- Blairsville, GA, 30512
- Region
- Blairsville, GA, US
- Reporting Currency
- USD
- Investor Line
- 706 781 2265
- Last Updated
- May 5, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 11.8
- EV/EBITDA
- 8.6
- Price/Sales
- 2.6
- Price/Book
- 1.1
Growth
- Revenue
- +3.8%
- EPS
- +28.9%
- Free Cash Flow
- +34.7%
Profitability
- Gross Margin
- 68.0%
- Operating Margin
- 28.4%
- Net Margin
- 22.0%
- ROE
- 9.4%
- ROIC
- 1.2%
Balance Sheet
- Debt/Equity
- 0.03
- Current Ratio
- โ
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.