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Company Analysis

United Community Banks, Inc. UCB

A comprehensive view of key metrics, scores, and financial health for United Community Banks, Inc.

Overview of United Community Banks, Inc.

UCB NYQ
Financial Services Banks - Regional Mid Cap
United Community Banks, Inc. (UCB), is a Mid Cap company, in the Banks - Regional industry, last closed at $29.94, about 2.1% undervalued vs fair value, +4.8% 1Y return, placing in the top 25% of its sector.
$29.94
-0.80%
As of March 13, 2026
Previous close • Vol 90d: 26.0%
52-Week Range
Market Cap
$3.70B
Enterprise Value
$3.70B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.ucbi.com
HQ Greenville, SC
Employees 3,070
Fiscal year Dec 31

Next Events

Dividend Apr 3
Earnings Apr 21 Estimated

Fair Value Snapshot

Bear Base Bull
$17
$31
$57
Current: $29.94 +2% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$1.4B
0.4%%
Interest Expense
$473.8M
Net Interest Income
$909.1M
9.9%%
Total Revenue
$1.5B
65.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.3%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$259.0M
105.9% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating United Community Banks, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
58
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
48
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing UCB's balance between Growth (33.3%), Profitability (36.7%), and Safety (30.0%). Growth 33% Safety 30% Profitability 37%

Click axes to expand details. Marker shows current allocation.

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Growth

49th percentile vs peers
49
Key Signals
Rev Growth YoY 65.3% 59p Revenue CAGR 3Y 21.0% 58p Asset Growth YoY 1.0% 27p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

54th percentile vs peers
54
Key Signals
Strengths
Risks
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Safety

44th percentile vs peers
44
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for United Community Banks, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$30.56
- - -
+2.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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