United Community Banks, Inc. (UCB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
United Community Banks, Inc. stock (UCB) is currently trading at $31.21. United Community Banks, Inc. PE ratio is 11.86. United Community Banks, Inc. PS ratio (Price-to-Sales) is 3.67. Analyst consensus price target for UCB is $37.33. WallStSmart rates UCB as Moderate Buy.
- UCB PE ratio analysis and historical PE chart
- UCB PS ratio (Price-to-Sales) history and trend
- UCB intrinsic value — DCF, Graham Number, EPV models
- UCB stock price prediction 2025 2026 2027 2028 2029 2030
- UCB fair value vs current price
- UCB insider transactions and insider buying
- Is UCB undervalued or overvalued?
- United Community Banks, Inc. financial analysis — revenue, earnings, cash flow
- UCB Piotroski F-Score and Altman Z-Score
- UCB analyst price target and Smart Rating
United Community Banks, Inc.
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UCB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · United Community Banks, Inc. (UCB)
UCB trades at a significant discount to its Graham intrinsic value of $84.05, offering a 58% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
United Community Banks, Inc. (UCB) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
United Community Banks, Inc. (UCB) Key Strengths (5)
Keeps $46 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $32 of every $100 in revenue as net profit
88.64% of shares held by major funds and institutions
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
United Community Banks, Inc. (UCB) Areas to Watch (5)
Low profitability relative to shareholder equity
Growth is fairly priced, not cheap, not expensive
Revenue is fairly priced at 3.67x sales
Solid revenue growth at 10.50% per year
Solid earnings growth at 15.80%
United Community Banks, Inc. (UCB) Detailed Analysis Report
Overall Assessment
This company scores 74/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.4/10) while 5 fall into concern territory (avg 5.4/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Profit Margin. Valuation metrics including Price/Book (0.99) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 45.80%, Profit Margin at 32.40%.
The Bear Case
The primary concerns are Return on Equity, PEG Ratio, Price/Sales. Some valuation metrics including PEG Ratio (1.67), Price/Sales (3.67) suggest expensive pricing. Growth concerns include Revenue Growth at 10.50%, EPS Growth at 15.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 9.28%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.28% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 10.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Book makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
UCB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
UCB's Price-to-Sales ratio of 3.67x trades 28% below its historical average of 5.11x (37th percentile). The current valuation is 65% below its historical high of 10.48x set in Dec 2006, and 840% above its historical low of 0.39x in Nov 2010.
WallStSmart Analysis Synopsis
Data-driven financial summary for United Community Banks, Inc. (UCB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
United Community Banks, Inc. is a mature, profitable business with steady cash generation. Revenue reached 1.0B with 11% growth year-over-year. Profit margins are strong at 32.4%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 32.4% and operating margin of 45.8% demonstrate strong pricing power and operational efficiency.
Generating 111M in free cash flow and 117M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Dividend sustainability with a current yield of 3.2%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact United Community Banks, Inc..
Bottom Line
United Community Banks, Inc. is a well-established business delivering consistent profitability with 32.4% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 10:05:36 AM
About United Community Banks, Inc.(UCB)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
United Community Banks, Inc. (UCB) is a leading regional bank based in Blairsville, Georgia, focusing on delivering a comprehensive range of financial services to both individual and business clients across the Southeastern United States. With a strong emphasis on community-oriented banking, UCB excels in commercial and retail banking, mortgage services, and wealth management solutions, supported by a track record of strategic acquisitions that drive consistent growth. The bank's solid financial performance, effective risk management, and commitment to exceptional customer service reinforce its competitive edge and establish it as a trusted partner in the financial sector.