United Community Banks, Inc. (UCB)
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This stock currently matches 2 of our scanner strategies — each hit links to the scanner.
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 35.40 $ — 79% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
5 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 18.3% passed
- More than 10% revenue growth is expected for the coming year 4.0% failed
- Share count grows by less than 3% a year 4.5% failed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 30.4% failed
- Gross margin at 40% or higher and without meaningful erosion 66.0% passed
- Goodwill from acquisitions does not grow faster than revenue 3.3% passed
- Net debt below twice EBITDA 3,748 m net cash passed
- Operating cash flow covers the profits of the last three years 311 m passed
- Return on capital at 15% or higher, or up versus two years ago 1.5% failed
- Insiders hold at least 10% or are net buyers 0.5% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 9.9% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 7
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 2.92 | 2.88 – 2.95 | 1,106 | 7.7% | 5 |
| 12/31/2027 | 3.22 | 3.15 – 3.35 | 1,144 | 10.5% | 7 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.75 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.63 | 436.90 | 380 | 22.30 | 20.00 | 148 | 143 |
| 2025: Q1 | 0.59 | 13.60 | 366 | -1.40 | 19.50 | 99 | 94 |
| 2025: Q2 | 0.65 | 16.60 | 376 | -0.70 | 20.90 | 97 | 85 |
| 2025: Q3 | 0.75 | 89.70 | 391 | 11.60 | 23.40 | 123 | 118 |
| 2025: Q4 | 0.71 | 12.30 | 403 | 6.30 | 21.40 | 117 | 111 |
| 2026: Q1 | 0.70 | 17.50 | 378 | 3.10 | 22.30 | 69 | 62 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 429 | 163 | 101 | 1.40 | 140 | 1,076 | 10,709 |
| 2017 | 464 | 173 | 68 | 0.93 | 208 | 1,303 | 11,915 |
| 2018 | 578 | 216 | 166 | 2.09 | 270 | 1,458 | 12,573 |
| 2019 | 641 | 239 | 186 | 2.33 | 154 | 1,636 | 12,916 |
| 2020 | 696 | 209 | 164 | 1.97 | 159 | 2,008 | 17,794 |
| 2021 | 716 | 348 | 270 | 3.06 | 359 | 2,222 | 20,947 |
| 2022 | 929 | 356 | 277 | 2.60 | 607 | 2,701 | 24,009 |
| 2023 | 1,291 | 233 | 188 | 1.59 | 294 | 3,262 | 27,297 |
| 2024 | 1,480 | 323 | 252 | 2.10 | 350 | 3,432 | 27,720 |
| 2025 | 1,537 | 422 | 328 | 2.69 | 435 | 3,639 | 28,003 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
United Community Banks, Inc. ist die Bankholdinggesellschaft der United Community Bank, die Finanzdienstleistungen in den USA anbietet.
| Employees | 3,070 |
|---|---|
| Headquarters | Greenville, SC |
| Address | 200 East Camperdown Way, 29601 Greenville, United States |
| Phone | 800 822 2651 |
| Website | ucbi.com |
| IPO Date | 18. Mar 2002 |
| ISIN | US90984P3038 |
| Stock Split | 1:5 on 06/20/2011 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Herbert Lynn Harton | President, Chairman & CEO | 1962 |
| Richard William Bradshaw | President & Chief Banking Officer | 1962 |
| Jefferson Lee Harralson C.F.A. | Executive VP & CFO | 1966 |
| Melinda Davis Lux J.D. | Chief Administrative Officer, General Counsel & Corporate Secretary | 1973 |
| Robert A. Edwards | Executive VP & Chief Risk Officer | 1965 |
| Alan H. Kumler | Chief Accounting Officer, Senior VP & Controller | – |
| Mark Aaron Terry | Chief Information Officer | 1967 |
| Carol A. Chastain | Chief Compliance Officer | – |
| Holly Berry | Chief Human Resources Officer | 1975 |
| Abraham A. Cox | Chief Consumer & Small Business Banking Officer | 1977 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 29. Jul 2026 | Edwards Robert A. | EVP, Chief Risk Officer | Other | 1,500 | 0.00 | – |
| 28. Jul 2026 | Harralson Jefferson L | EVP, CFO | Sell | 25,000 | 35.41 | 885,250 |
| 27. Jul 2026 | Bradshaw Richard | EVP, Chief Banking Officer | Sell | 2 | 35.15 | 70 |
| 27. Jul 2026 | Bradshaw Richard | EVP, Chief Banking Officer | Sell | 1,422 | 35.09 | 49,898 |
| 24. Jul 2026 | James John Marc | Director | Other | 2,526 | 0.00 | – |
| 24. Jul 2026 | Bazante Jennifer M. | Director | Other | 2,526 | 0.00 | – |
| 24. Jul 2026 | Daniels Kenneth L | Director | Other | 2,526 | 0.00 | – |
| 24. Jul 2026 | Richlovsky Thomas A | Director | Other | 2,526 | 0.00 | – |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.