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StockVS

NYSE · Banks - Regional · USD

United Community Banks, Inc. (UCB) Stock Analysis

United Community Banks, Inc. (UCB) is a Banks - Regional stock listed on NYSE and quoted in US Dollar.

Last Updated: October 21, 2026

UCB

$35.85

+$0.38 (+1.07%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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UCB Key Statistics

As of Oct 21, 2026
Trading
Open
$35.78
Previous Close
$35.47
Day's Range
35.42–35.91
52-Week Range
28.65–37.18
Volume
1.89M
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
0.90
Valuation
Market Cap
$4.29B
P/E Ratio
11.72
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
10.41
PEG RatioThe P/E ratio divided by the expected earnings growth rate. It puts a high P/E in the context of how fast profits are growing.
1.67
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
3.87
EPS (ttm)Profit attributable to each share over the last twelve months.
3.06
Financials (FY)
Revenue (FY)
$1.04B+11.93%
Net Income (FY)
$328.10M+29.99%
Profit marginThe share of revenue left as profit after all costs and taxes.
34.09%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
119.76M
1-Year Return
+21.43%
Dividend and dates
Dividend
$1.04+3.08%
Ex-Dividend Date
September 15, 2026
Earnings Date
January 13, 2027estimated
Avg Volume
874.55K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, UCB closed at $35.85, +21.43% over 1 year.

United Community Banks, Inc. (UCB) has a market capitalization of $4.29B.

In fiscal 2025, UCB reported revenue of $1.04B.

UCB Stock Return by Calendar Year

United Community Banks, Inc. (UCB) 10-year return: what $10,000 became

1 year
$10,000 $12,143
+21.43%
5 years
$10,000 $11,700
+17.00%
10 years
$10,000 $22,225
+122.25%

If you had invested $10,000 in United Community Banks, Inc. (UCB) 10 years ago, at the close on October 21, 2016, it would have been worth $22,225 at the close on October 21, 2026: +122.25% in total, +8.31% a year, with dividends reinvested. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)+16.63%
2025−0.19%
2024+14.22%
2023−10.44%
2022−3.48%
2021+29.42%
2020−4.44%
2019+47.41%
2018−22.18%
2017−3.67%
2016 (partial year)+50.89%

As of October 21, 2026.

UCB Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$1.04B$328.10M31.5%
2024$930.04M$252.40M27.1%
2023$871.95M$187.54M21.5%
2022$868.13M$277.47M32.0%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$1.04B——$328.10M31.5%
2024$930.04M——$252.40M27.1%
2023$871.95M——$187.54M21.5%
2022$868.13M——$277.47M32.0%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

UCB Dividend History

$0.98+4.3% vs 2024

Dividends per share, 2025 · 4 payments

YearDividends per sharePaymentsChange
2026*$0.763—
2025$0.984+4.3%
2024$0.944+2.2%
2023$0.924+7.0%
YearDividends per sharePaymentsChange
2026 (partial year)$0.763—
2025$0.984+4.3%
2024$0.944+2.2%
2023$0.924+7.0%
2022$0.864+10.3%
2021$0.784+8.3%
2020$0.724+5.9%
2019$0.684+17.2%
2018$0.584+52.6%
2017$0.384+375.0%
2016$0.081—

Most recent payment: $0.25 per share, ex-dividend September 15, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

UCB Valuation vs Banks - Regional Median

Median of 326 stocks
MetricUCBBanks - Regional medianvs median
P/E11.7212.033% below
P/S ratio3.873.588% above
Profit margin34.09%29.44%4.7 pts above

Medians across 326 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

All 20 articles ↓

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

United Community Banks, Inc. (UCB) carries a market capitalisation of $4.29B. The company sits in the Financial Services sector, in the Banks - Regional industry. The company reports 3,141 employees.

Over the past 52 weeks the price has ranged from $28.65 to $37.18. The most recent close on file for UCB is $35.85, dated October 21, 2026. That is +$0.38 (+1.07%) against the previous close. The latest close sits 25.13% above that 52-week low.

Financial Health

Fiscal 2025 revenue came to $1.04B. That is +11.93% against the prior fiscal year, when revenue was $930.04M. Net income for the same year was $328.10M. That is +29.99% against the prior fiscal year. Profit margin runs at 34.09%. That is 4.7 percentage points above the Banks - Regional median of 29.44%. Trailing earnings per share are 3.06.

Across the 4 fiscal years on file, revenue moves from $868.13M in 2022 to $1.04B in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

On trailing earnings, the shares are priced at 11.72 times earnings. That is 2.58% below the Banks - Regional median of 12.03. On forward earnings the ratio is 10.41. The PEG ratio, which sets the P/E against expected earnings growth, reads 1.67. Measured against sales, the shares trade at 3.87 times revenue. On price-to-sales that is 8.25% above the Banks - Regional median of 3.58. The medians here are taken across 326 Banks - Regional companies that report the metric.

The reported beta is 0.9. Daily returns over the trailing 10 years annualize to a volatility of 35.02%. The trailing one-year total return is +21.43%. Across 10 years the annualized return works out at +8.31%.

Growth & Income

The trailing dividend yield is 3.08%. That is 0.4 percentage points above the Banks - Regional median yield of 2.68%. At the indicated rate that is $1.04 a share a year. The ex-dividend date on file is September 15, 2026. Dividends are recorded for 11 calendar years; 2026 shows 3 payments totalling $0.76 a share. The year before, 2025, totalled $0.98 a share.

The strongest complete calendar year on file is 2019 at +47.41%; the weakest is 2018 at −22.18%. Of the 9 complete calendar years on file, 3 finished higher. 2026 is still running; the total return is +16.63% year to date.

Peer Comparison

United Community Banks, Inc. (UCB) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
United Community Banks, Inc. UCB $4.29B 11.7
Mizuho Financial Group, Inc. MFG $120.84B 13.7
HDFC Bank Limited HDB $116.51B 14.6
Itaú Unibanco Holding S.A. ITUB $106.91B 12.4

The Banks - Regional industry average P/E ratio is 12.0x. United Community Banks, Inc. trades at a P/E of 11.7.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About United Community Banks, Inc.

United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts. It also provides loans comprising owner occupied and income producing CRE, commercial and industrial, equipment financing, residential mortgage, home equity, manufactured housing, and consumer loans, as well as commercial and residential construction and land. In addition, the company offers private banking, investment management, investment advice, financial planning services, estate and retirement planning, and insurance products; non-deposit investment products and insurance products, such as life insurance, long-term care insurance and tax-deferred annuities; and trust services to manage fiduciary assets. Further, it provides reinsurance on property insurance contracts and payment processing services for commercial and small business customers. The company serves the commercial, retail, government, education, energy, health care, and real estate sectors. United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina.

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