Stock AnalizUnited Community Banks Inc. UCB
Major Banks · IPO 2024 · data as of November 13, 2026
United Community Banks Inc. (UCB) is a financial company listed in the US with a market value of about $4.5B. In the twelve months to September 30, 2026 it had revenue of $834M and net income of $147M, a net margin of 17.6%.
Its overall Stock Analiz score is 2.4 out of 5 (weak). The strongest part is shareholder returns (4/5); the weakest is value (1/5).
Key numbers: a P/E of 31.4, a price to free cash flow of 11.1, 5-year revenue growth of 10% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 37% below the current price.
Score: 2.4 / 5
Checks passed
- P/FCF below 20
- Revenue growth above 10% last year
- Profit margin improving
- 5-year revenue growth above 8% a year
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Positive free cash flow
- Debt below 3 years of free cash flow
Checks not passed
- P/E below 25
- P/E below the industry median
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $834M | $1.1B | $952M | $893M | $890M | $707M | $658M | $574M | $532M | $444M | $403M |
| Net income | $147M | $328M | $252M | $188M | $277M | $270M | $164M | $186M | $166M | $68M | $101M |
| Free cash flow | $404M | $356M | $303M | $221M | $565M | $333M | $140M | $133M | $252M | $186M | $123M |
| EPS (diluted) | $1.19 | $2.62 | $2.04 | $1.54 | $2.52 | $2.97 | $1.91 | $2.31 | $2.07 | $0.92 | $1.40 |
| Net margin | 17.6% | 30.9% | 26.5% | 21.0% | 31.2% | 38.2% | 24.9% | 32.4% | 31.2% | 15.3% | 24.9% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 6 analysts is $40.88, 10% above the current price; targets range from $38.00 to $43.00; the consensus rating is “none”; expected EPS is $3.02 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is United Community Banks’s P/E ratio?
About 31.4, based on the last twelve months of diluted earnings per share (forward P/E about 11.1).
Is United Community Banks stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 37% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does United Community Banks pay a dividend?
Yes. The dividend yield is about 2.78%, and it has paid dividends for 10 years in our data.
Is United Community Banks a good stock to buy?
We do not give buy or sell advice. United Community Banks scores 2.4 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.