UCB
United Community Banks, Inc.
NYSE: UCB · FINANCIAL SERVICES · BANKS - REGIONAL
$33.36
-0.60% today
Updated 2026-05-08
Market cap
$4.06B
P/E ratio
12.43
P/S ratio
3.88x
EPS (TTM)
$2.73
Dividend yield
2.95%
52W range
$27 – $36
Volume
0.9M
WallStSmart proprietary scores
71
out of 100
Grade: B
Buy
Investment rating
7.3
Growth
B+5.0
Quality
C+7.5
Profitability
B+5.7
Valuation
C+5/9
Piotroski F-Score
Moderate
-0.6
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →195 stocks currently score above 75
Price targets
Analyst target
$38.00
+13.91%
12-Month target
$31.12
-6.71%
Intrinsic (DCF)
—
Margin of safety
—
0 Strong Buy2 Buy5 Hold0 Sell0 Strong Sell
Price chart
Stock snapshot
Strengths
+ Profit margin 32.50% — above average
+ Free cash flow $69.28M — positive
+ Revenue growth 14.40% QoQ
+ Debt/equity 0.06x — low leverage
Risks
- Altman Z -0.61 — distress zone
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $928.93M | $1.29B | $1.48B | $1.54B | $1.05B |
| Net income | $277.47M | $187.54M | $252.40M | $328.15M | $84.29M |
| EPS | — | — | — | — | $2.73 |
| Free cash flow | $564.60M | $221.49M | $302.69M | $407.72M | $69.28M |
| Profit margin | 29.87% | 14.52% | 17.05% | 21.35% | 32.50% |
Peer comparison
Smart narrative
United Community Banks, Inc. trades at $33.36. representing a P/E of 12.43x trailing earnings. Our Smart Value Score of 71/100 indicates the stock is good. The company scores 5/9 on the Piotroski F-Score. With an Altman Z-Score of -0.61, it sits in the distress. TTM revenue stands at $1.05B. with profit margins at 32.50%.
Frequently asked questions
What is United Community Banks, Inc.'s stock price?
United Community Banks, Inc. (UCB) trades at $33.36.
Is United Community Banks, Inc. overvalued?
Smart Value Score 71/100 (Grade B, Buy).
What is the price target of United Community Banks, Inc. (UCB)?
The analyst target price is $38.00, representing +13.9% upside from the current price of $33.36.
What is United Community Banks, Inc.'s revenue?
TTM revenue is $1.05B.
Piotroski F-Score?
5/9 — moderate financial health.
Altman Z-Score?
-0.61 — distress.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNYSE
CurrencyUSD
Quick metrics
P/S ratio3.88x
ROE9.53%
Beta0.85
50D MA$32.29
200D MA$32.02
Shares out0.12B
Float0.12B
Short ratio—
Avg volume0.9M
Performance
1 week—
1 month—
3 months—
YTD—
1 year—
3 years—
5 years—