U

    United Community Banks, Inc. (UCB)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NYSE

    $34.84
    -0.35 (-0.98%)

    Market Cap: $4.17B

    Last updated: Sep 01, 2026 at 5:00 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    73%(29/40)
    Avg Surprise
    +4.21%

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.74
    Range$0.73 - $0.76
    6 analysts
    EPS Revisions
    1
    0
    7d
    0
    2
    30d
    EPS Estimate Drift
    90d ago$0.77+3.8%
    60d ago$0.92+23.2%
    30d ago$0.86+15.0%
    7d ago$0.74-0.1%
    Current$0.74
    Revenue Consensus
    $279M
    Range$275M - $281M
    5 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.65
    Range$0.61 - $0.68
    6 analysts
    Revenue Consensus
    $273M
    Range$268M - $281M
    6 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.65---
    Sep 26EST
    		-$0.74---
    Jun 26
    Reported Jul 21
    		$0.71$0.80-11.25%Miss+7.6%
    Mar 26
    Reported Apr 21
    		$0.70$0.70+0.00%Beat+18.6%
    Dec 25
    Reported Jan 14
    		$0.70$0.71-1.41%Miss+11.1%
    Sep 25
    Reported Oct 22
    		$0.75$0.70+7.14%Beat+31.6%
    Jun 25
    Reported Jul 23
    		$0.66$0.61+8.20%Beat+13.8%
    Mar 25
    Reported Apr 22
    		$0.59$0.56+5.36%Beat+13.5%
    Dec 24
    Reported Jan 22
    		$0.63$0.56+12.50%Beat+18.9%
    Sep 24
    Reported Oct 23
    		$0.57$0.58-1.72%Miss+26.7%
    Jun 24
    Reported Jul 24
    		$0.58$0.51+13.73%Beat+5.5%
    Mar 24
    Reported Apr 24
    		$0.52$0.50+4.00%Beat-10.3%
    Dec 23
    Reported Jan 24
    		$0.53$0.52+1.92%Beat-29.3%
    Sep 23
    Reported Oct 18
    		$0.45$0.45+0.00%Beat-40.0%
    Jun 23
    Reported Jul 18
    		$0.55$0.63-12.70%Miss-16.7%
    Mar 23
    Reported Apr 18
    		$0.58$0.69-15.94%Miss+16.0%
    Dec 22
    Reported Jan 17
    		$0.75$0.83-9.64%Miss+17.2%
    Sep 22
    Reported Oct 18
    		$0.75$0.75+0.00%Beat-9.6%
    Jun 22
    Reported Aug 5
    		$0.66$0.68-2.94%Miss-16.5%
    Mar 22
    Reported May 6
    		$0.50$0.55-9.09%Miss-39.8%
    Dec 21
    Reported Feb 25
    		$0.64$0.65-1.54%Miss-5.9%
    Sep 21
    Reported Nov 5
    		$0.83$0.66+25.76%Beat+50.9%
    Jun 21
    Reported Aug 6
    		$0.79$0.68+16.18%Beat+146.9%
    Mar 21
    Reported May 7
    		$0.83$0.64+29.69%Beat+102.4%
    Dec 20
    Reported Feb 25
    		$0.68$0.60+13.33%Beat+11.5%
    Sep 20
    Reported Nov 6
    		$0.55$0.34+61.76%Beat-12.7%
    Jun 20
    Reported Aug 6
    		$0.32$0.30+6.67%Beat-45.8%
    Mar 20
    Reported May 7
    		$0.41$0.47-12.77%Miss-26.8%
    Dec 19
    Reported Feb 27
    		$0.61$0.58+5.17%Beat+7.0%
    Sep 19
    Reported Nov 7
    		$0.63$0.58+8.62%Beat+14.5%
    Jun 19
    Reported Aug 8
    		$0.59$0.57+3.51%Beat+11.3%
    Mar 19
    Reported May 8
    		$0.56$0.54+3.70%Beat+12.0%
    Dec 18
    Reported Feb 27
    		$0.57$0.55+3.64%Beat+35.7%
    Sep 18
    Reported Nov 8
    		$0.55$0.55+0.00%Beat+34.1%
    Jun 18
    Reported Aug 6
    		$0.53$0.54-1.85%Miss+29.3%
    Mar 18
    Reported May 8
    		$0.50$0.50+0.00%Beat+28.2%
    Dec 17
    Reported Feb 27
    		$0.42$0.41+2.44%Beat+5.0%
    Sep 17
    Reported Nov 3
    		$0.41$0.41+0.00%Beat+5.1%
    Jun 17
    Reported Aug 4
    		$0.41$0.40+2.50%Beat-
    Mar 17
    Reported May 5
    		$0.39$0.38+2.63%Beat-
    Dec 16
    Reported Feb 27
    		$0.40$0.38+5.26%Beat-
    Sep 16
    Reported Nov 4
    		$0.39$0.37+5.41%Beat-

    Dividends

    Dividend Metrics

    Yield2.87%
    Annual/Share$1.00
    Payout Ratio31.84%
    Frequency4
    Pay MonthsJan, Apr, Jul, Oct

    Growth

    3Y CAGR+4.45%
    5Y CAGR+6.36%
    View UCB's full dividend history

    Key Metrics

    Valuation
    P/E Ratio12.18EV/EBITDAN/A
    Price/FCF11.60xFCF Yield8.62%
    Profitability
    Profit Margin34.10%Operating Margin50.90%
    ROE10.30%ROIC7.67%
    Financial Health
    Debt/Equity0.32xInterest Coverage1.13x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.83Avg Volume725.19K
    52-Week High$37.1852-Week Low$27.99

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$35.44
    SMA 20$35.79
    SMA 50$35.54
    SMA 200$33.07
    EMA 10$35.38
    EMA 20$35.55
    EMA 50$35.25
    EMA 200$33.31

    MACD

    Line: -0.11Signal: 0.06Hist: -0.17

    ADX

    ADX: 17.5+DI: 18.7-DI: 30.7

    Aroon & PSAR

    Aroon Up56.0
    Aroon Down92.0
    PSAR$36.40

    Bollinger Bands

    Upper Band$36.98
    Lower Band$34.61
    %B Position664%(Upper)
    Band Width0.10

    RSI (14-Day)

    Neutral
    39.2

    Momentum Oscillators

    Stoch %K19.3
    Stoch %D17.6
    Williams %R-90.8
    ROC (10d)-4.9%
    Momentum-1.79
    CCI (20d)-124.7
    MFI (14d)44.8

    Volatility Measures

    ATR (14d)$0.60(1.7%)
    StdDev (20d)0.59
    Hist Vol14.1%(Low)

    Volume Flow

    VWAP$34.92
    OBV3.2M
    AD Line-520.4M
    CMF (20d)0.005

    Volume Metrics

    Avg Vol (20d)720.4K
    Vol Ratio0.8x
    VWMA (20d)$35.87

    Pivot Points

    R3$35.96
    R2$35.78
    R1$35.48
    Pivot Point$35.30
    S1$35.00
    S2$34.82
    S3$34.52

    Advanced Oscillators

    TSI-5.19
    Ultimate Osc44.1
    KST-0.76

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$279.28M$276.51M$278.39M$276.85M$260.24M$247.68M$250.85M$217.28M$245.26M$238.74M$180.36M$234.53M
    Cost of RevenueN/A$112.05M$122.10M$128.13M$133.65M$138.75M$146.02M$154.33M$150.50M$150.48M$149.87M$150.86M
    Gross ProfitN/A$265.66M$281.35M$262.97M$242.52M$227.51M$233.62M$196.19M$228.19M$221.09M$160.63M$199.01M
    Operating Expenses$159.91M$157.30M$152.05M$150.87M$147.92M$141.10M$143.06M$143.06M$147.04M$145.00M$154.59M$144.47M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$108.36M$112.68M$118.07M$100.50M$91.16M$96.41M$59.78M$85.98M$80.83M$11.15M$59.79M
    Interest Income$344.37M$333.96M$346.37M$353.85M$347.37M$335.36M$344.96M$349.09M$346.96M$336.73M$338.70M$323.15M
    Interest Expense$103.47M$101.20M$108.44M$120.22M$121.83M$123.34M$134.63M$139.90M$138.26M$137.58M$135.25M$120.59M
    Income Before Tax$149.17M$108.36M$112.68M$118.07M$100.50M$91.16M$96.41M$59.78M$85.98M$80.83M$11.15M$59.79M
    Income Tax Expense$33.53M$24.07M$26.22M$26.58M$21.77M$19.75M$20.61M$12.44M$19.36M$18.20M$-2,940,000$11.93M
    Net Income$115.64M$84.29M$86.45M$91.49M$78.73M$71.41M$75.80M$47.35M$66.61M$62.63M$14.09M$47.87M
    EBITDA$168.28M$128.17M$124.52M$128.86M$112.38M$102.61M$105.79M$70.72M$95.71M$91.72M$22.09M$70.23M
    EBIT$149.17M$108.36M$112.68M$118.07M$100.50M$91.16M$96.41M$59.78M$85.98M$80.83M$11.15M$59.79M
    * Some calculated fields are derived from available data when not provided by source

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    News

    United Community Banks Finalizes Sale of Navitas Credit Corp. and NLFC Reinsurance Corp.

    United Community Banks, Inc. has finalized the sale of its wholly-owned subsidiaries, Navitas Credit Corp. and NLFC Reinsurance Corp., a transaction initially announced on June 11, 2026. The completion of the sale was confirmed through a Form 8-K filing with the SEC on September 1, 2026, and signed by Jefferson L. Harralson, Executive Vice President and Chief Financial Officer. The filing did not disclose the financial terms of the transaction.

    Kalkine Media•9/1/26•
    Neutral

    United Community Banks, Inc. Announces Completion of Sale of Navitas Equipment Finance Business to Funds Managed by Wafra Inc.

    United Community Banks, Inc. (UCB) has completed the sale of its equipment finance business, Navitas Credit Corp. and NLFC Reinsurance Corp., to funds managed by Wafra Inc. for approximately $2.0 billion in cash. This transaction, which reflects a 7% premium to the par value of Navitas' loan portfolio, allows United to concentrate on its core Southeastern relationship banking business and enhance its liquidity and capital. The sale is part of United's strategy to simplify its business model and further reduce its risk profile.

    www.marketscreener.com•9/1/26•
    Bullish

    Susquehanna International Group LLP Has $833,000 Stock Holdings in United Community Banks, Inc. $UCB

    Susquehanna International Group LLP significantly reduced its stake in United Community Banks, Inc. ($UCB) by 74.1% in the second quarter, now holding 23,731 shares valued at $833,000. Despite this reduction, institutional investors collectively own 82.29% of UCB. The company maintains a "Moderate Buy" consensus rating among analysts with a target price of $38.80, and recently increased its quarterly dividend to $0.26 per share, even after missing quarterly EPS estimates.

    MarketBeat•9/1/26•
    Neutral

    United Community Banks (UCB) Appoints Jeff Beisler Snell To Lead New International Division

    The article reports that United Community Banks (UCB) has appointed Jeff Beisler Snell to lead its new International Division. No further details are available regarding the scope or strategic importance of this new division. The brief announcement focuses solely on the personnel change.

    Sahm•8/26/26•
    Bullish

    United Community Banks (UCB) Could Be 8% Undervalued On Its Dividend Rise And Leadership Changes

    United Community Banks (UCB) recently increased its quarterly cash dividend by 4% to $0.26 per share and announced several senior leadership changes. The company is considered 8% undervalued, trading at $35.11 against a fair value estimate of $38.17, driven by investments in digital solutions and efficiency improvements. Despite momentum in share price over longer periods, recent softness and execution risks related to future acquisitions are noted.

    Simply Wall Street•8/26/26•
    Bullish

    Frequently Asked Questions About UCB

    What is UCB's current dividend yield?
    United Community Banks, Inc. (UCB) has a current dividend yield of 2.87%.
    Does UCB pay dividends?
    Yes, United Community Banks, Inc. pays dividends with a current yield of 2.87%.
    What is UCB's P/E ratio?
    United Community Banks, Inc. has a price-to-earnings (P/E) ratio of 12.18.
    What is UCB's market cap?
    United Community Banks, Inc. (UCB) has a market capitalization of $4.17B with a current stock price of $34.84.

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