United Community Banks, Inc. UCB
At closeNov 4, 2026, 4:00 PM EST
After hours · Nov 4, 4:00 PM ET
- YTD
- +20.63%
- 1 year
- +29.11%
- Market cap
- 4.51B
- Revenue (ttm)
- 817.49M
- Profit margin
- 17.94%
- EPS (ttm)
- 3.06
- Shares out
- 120.58M
- P/E ratio
- 12.31
- Forward P/E
- 10.91
- Dividend
- 1.04 (2.76%)
- Ex-dividend date
- Sep 14, 2026
- YTD return
- +20.63%
- 1-year return
- +29.11%
- Volume
- 1.04M
- Avg volume
- 908.93K
- Open
- 37.95
- Previous close
- 37.04
- Day's range
- 37.40 – 38.63
- 52-week range
- 28.82 – 38.63
- Beta
- 0.87
- Analysts
- Buy
- Price target
- 40.88 (+8.5%)
- Earnings date
- Jan 13, 2027
2Y +9.33 (+32.91%)
Key statistics
- Enterprise value
- 3.60B
- PEG ratio
- 1.67
- Price / sales
- 5.55
- Price / book
- 1.29
- Dividend yield
- 2.81%
- Payout ratio
- 32.68%
- Revenue growth
- 0.00%
- Free cash flow
- 0
- Total cash
- 875.36M
- Total debt
- 39.69M
- Return on equity
- 4.13%
- Short % of float
- 6.13%
- 50-day average
- 34.90
- 200-day average
- 34.11
Analyst view
Consensus: buy
- Target (low)
- 38.00
- Target (mean)
- 40.88
- Target (high)
- 43.00
- Strong buy1
- Buy2
- Hold4
- Sell0
- Strong sell0
Next earnings
Jan 13, 2027
Expected Jan 13, 2027. Consensus EPS estimate 0.82571.
Financials — quick view
Earnings
| Report date | Quarter ending | EPS estimate | EPS reported | Surprise | Surprise % |
|---|---|---|---|---|---|
| Jan 13, 2027 | Dec 30, 2026 | 0.82 | — | — | — |
| Oct 20, 2026 | Sep 30, 2026 | 0.773 | 0.77 | 0.00 | -0.39% |
| Jul 21, 2026 | Jun 30, 2026 | 0.81 | 0.71 | -0.10 | -12.35% |
| Apr 21, 2026 | Mar 31, 2026 | 0.70 | 0.70 | 0.00 | 0.00% |
| Jan 14, 2026 | Dec 31, 2025 | 0.73 | 0.71 | -0.02 | -2.74% |
| Oct 22, 2025 | Sep 30, 2025 | 0.696 | 0.75 | +0.05 | +7.76% |
Upgrades / downgrades
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Oct 21, 2026 | Stephens & Co. | main | Overweight | Overweight |
| Sep 16, 2026 | Keefe, Bruyette & Woods | main | Outperform | Outperform |
| Sep 9, 2026 | DA Davidson | main | Buy | Buy |
| Sep 9, 2026 | Piper Sandler | main | Neutral | Neutral |
| Jul 22, 2026 | DA Davidson | main | Buy | Buy |
| Jun 17, 2026 | Piper Sandler | main | Neutral | Neutral |
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.
- Sector
- Financial Services
- Industry
- Banks - Regional
- Country
- United States
- Website
- ucbi.com
News
Your note
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Insider holders
| Insider | Relation | Latest transaction | Date | Shares held |
|---|---|---|---|---|
| BRADSHAW RICHARD W | Officer | Stock Gift | Oct 28, 2026 | 81,659 |
| DANIELS KENNETH L. | Director | Stock Gift | Jul 23, 2026 | 0 |
| DAVIS LUX MELINDA | General Counsel | Stock Award(Grant) | Feb 12, 2026 | 43,637 |
| EDWARDS ROBERT A | Officer | Stock Gift | Jul 28, 2026 | 57,877 |
| HARRALSON JEFFERSON L. | Chief Financial Officer | Sale | Jul 27, 2026 | 37,433 |
| HARTON H LYNN | Chief Executive Officer | Sale | Feb 17, 2026 | 0 |
Institution ownership
| Holder | % held | Shares | Value | Reported |
|---|---|---|---|---|
| Blackrock Inc. | 14.52% | 17,508,114 | 659.18M | Jun 29, 2026 |
| Vanguard Portfolio Management LLC | 6.73% | 8,117,742 | 305.63M | Jun 29, 2026 |
| FMR, LLC | 6.66% | 8,027,052 | 302.22M | Jun 29, 2026 |
| Dimensional Fund Advisors LP | 5.51% | 6,641,192 | 250.04M | Jun 29, 2026 |
| State Street Corporation | 5.42% | 6,538,953 | 246.19M | Jun 29, 2026 |
| Vanguard Capital Management LLC | 4.50% | 5,421,389 | 204.12M | Jun 29, 2026 |
Fund ownership
| Holder | % held | Shares | Value | Reported |
|---|---|---|---|---|
| iShares Trust-iShares Core S&P Small-Cap ETF | 5.96% | 7,185,971 | 270.55M | Sep 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund | 3.15% | 3,799,990 | 143.07M | Jun 29, 2026 |
| iShares Trust-iShares Russell 2000 ETF | 2.42% | 2,916,582 | 109.81M | Sep 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard Small-Cap Index Fund | 2.28% | 2,746,742 | 103.41M | Jun 29, 2026 |
| Fidelity Puritan Trust-Fidelity Low-Priced Stock Fund | 2.08% | 2,513,647 | 94.64M | Jul 30, 2026 |
| NEUBERGER BERMAN EQUITY FUNDS-Neuberger Genesis Fund | 1.61% | 1,939,891 | 73.04M | Sep 29, 2026 |