United Community Banks, Inc. (UCB)

Official site

FINANCIAL SERVICES • BANKS - REGIONAL • NYSE

$36.98

+0.02 (+0.05%)

Market Cap: $4.43B

Last updated: Nov 06, 2026 at 4:06 PM ET

Earnings

Performance (10Y)

Beat Rate

73%(29/40)

Avg Surprise

+4.07%

Streak

1 Q

Upcoming Estimates

Period ending Dec 31, 2026

EPS Consensus$0.73

Range$0.71 - $0.76

6 analysts

Revenue Consensus

$298M

Range$290M - $303M

5 analysts

Period ending Mar 31, 2027

EPS Consensus$0.80

Range$0.77 - $0.82

7 analysts

EPS Revisions

30d

EPS Estimate DriftChange to current

90d ago$0.74+8.7%

60d ago$0.75+7.9%

30d ago$0.78+3.5%

7d ago$0.78+3.5%

Current$0.80

Revenue Consensus

$288M

Range$281M - $293M

6 analysts

Last 12 of 40 reported quarters and 2 upcoming estimates

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Mar 31, 2027Mar 27EST	-	$0.80	$0.77 - $0.82	-	-	7	6 0 30d	-
Dec 31, 2026Dec 26EST	-	$0.73	$0.71 - $0.76	-	-	6	-	-
Sep 30, 2026Sep 26 Reported Oct 20, 2026Reported Oct 20	$0.77	$0.77	$0.76 - $0.79	+0.00%	Beat	7	5 0 30d	+2.7%
Jun 30, 2026Jun 26 Reported Jul 21, 2026Reported Jul 21	$0.71	$0.80	$0.71 - $1.00	-11.25%	Miss	6	3 1 30d	+7.6%
Mar 31, 2026Mar 26 Reported Apr 21, 2026Reported Apr 21	$0.70	$0.70	$0.66 - $0.72	+0.00%	Beat	7	2 0 30d	+18.6%
Dec 31, 2025Dec 25 Reported Jan 14, 2026Reported Jan 14	$0.70	$0.71	$0.69 - $0.74	-1.41%	Miss	7	2 0 30d	+11.1%
Sep 30, 2025Sep 25 Reported Oct 22, 2025Reported Oct 22	$0.75	$0.70	$0.67 - $0.74	+7.14%	Beat	7	6 1 30d	+31.6%
Jun 30, 2025Jun 25 Reported Jul 23, 2025Reported Jul 23	$0.66	$0.61	$0.58 - $0.64	+8.20%	Beat	7	0 1 30d	+13.8%
Mar 31, 2025Mar 25 Reported Apr 22, 2025Reported Apr 22	$0.59	$0.56	$0.53 - $0.61	+5.36%	Beat	7	0 2 30d	+13.5%
Dec 31, 2024Dec 24 Reported Jan 22, 2025Reported Jan 22	$0.63	$0.56	$0.53 - $0.57	+12.50%	Beat	6	3 3 30d	+18.9%
Sep 30, 2024Sep 24 Reported Oct 23, 2024Reported Oct 23	$0.57	$0.58	$0.45 - $0.64	-1.72%	Miss	8	2 1 30d	+26.7%
Jun 30, 2024Jun 24 Reported Jul 24, 2024Reported Jul 24	$0.58	$0.51	-	+13.73%	Beat	-	-	+5.5%
Mar 31, 2024Mar 24 Reported Apr 24, 2024Reported Apr 24	$0.52	$0.50	-	+4.00%	Beat	-	-	-10.3%
Dec 31, 2023Dec 23 Reported Jan 24, 2024Reported Jan 24	$0.53	$0.52	-	+1.92%	Beat	-	-	-29.3%

Dividends

Last ex-dividend: Sep 15, 2026

Dividend Metrics

Forward Yield2.81%

Forward Annual Dividend$1.04

Payout Ratio82.97%

FrequencyQuarterly

Pay MonthsJan, Apr, Jul, Oct

Growth

3Y CAGR+4.45%

5Y CAGR+6.36%

UCB dividend history and ex-dividend dates Run UCB in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	12.84	EV/EBITDA	16.74x
Price/FCF	11.03x	FCF Yield	9.06%
Profitability
Profit Margin	17.90%	Operating Margin	771.00%
ROE	4.13%	ROIC	4.13%
Financial Health
Debt/Equity	0.01x	Interest Coverage	0.44x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	0.87	Avg Volume	1.11M
52-Week High	$38.63	52-Week Low	$27.95

Technical Indicators Dashboard

Moving Averages

SMA 10$37.06

SMA 20$35.91

SMA 50$34.96

SMA 200$33.86

EMA 10$36.86

EMA 20$36.22

EMA 50$35.40

EMA 200$33.85

MACD

Line: 0.78Signal: 0.70Hist: 0.08

ADX

ADX: 30.1+DI: 30.4-DI: 17.9

Aroon & PSAR

Aroon Up92.0

Aroon Down32.0

PSAR$38.59

Bollinger Bands

Upper Band$39.10

Lower Band$32.72

%B Position1778%(Upper)

Band Width0.67

RSI (14-Day)

Neutral

58.8

Momentum Oscillators

Stoch %K70.6

Stoch %D77.1

Williams %R-34.0

ROC (10d)-0.0%

Momentum-0.01

CCI (20d)48.6

MFI (14d)66.7

Volatility Measures

ATR (14d)$0.88(2.4%)

StdDev (20d)1.60

Hist Vol29.6%(Moderate)

Volume Flow

VWAP$36.95

OBV8.3M

AD Line-472.5M

CMF (20d)0.155

Volume Metrics

Avg Vol (20d)1.1M

Vol Ratio0.6x

VWMA (20d)$35.98

Pivot Points

R3$39.84

R2$39.19

R1$38.07

Pivot Point$37.42

S1$36.30

S2$35.65

S3$34.53

Advanced Oscillators

TSI24.85

Ultimate Osc47.0

KST80.96

Financial Data

Quarter	Sep 2026	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023
Total Revenue	$-11,966,000	$279.28M	$276.51M	$278.39M	$276.85M	$260.24M	$247.68M	$250.85M	$217.28M	$245.26M	$238.74M	$180.36M
Cost of Revenue	N/A	N/A	$112.05M	$122.10M	$128.13M	$133.65M	$138.75M	$146.02M	$154.33M	$150.50M	$150.48M	$149.87M
Gross Profit	N/A	N/A	$265.66M	$281.35M	$262.97M	$242.52M	$227.51M	$233.62M	$196.19M	$228.19M	$221.09M	$160.63M

Operating Expenses	$162.24M	$159.91M	$157.30M	$152.05M	$150.87M	$147.92M	$141.10M	$143.06M	$143.06M	$147.04M	$145.00M	$154.59M
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 Income	N/A	N/A	$108.36M	$112.68M	$118.07M	$100.50M	$91.16M	$96.41M	$59.78M	$85.98M	$80.83M	$11.15M

Interest Income	$362.56M	$344.37M	$333.96M	$346.37M	$353.85M	$347.37M	$335.36M	$344.96M	$349.09M	$346.96M	$336.73M	$338.70M
Interest Expense	$111.35M	$103.47M	$101.20M	$108.44M	$120.22M	$121.83M	$123.34M	$134.63M	$139.90M	$138.26M	$137.58M	$135.25M
Income Before Tax	$-184,220,000	$149.17M	$108.36M	$112.68M	$118.07M	$100.50M	$91.16M	$96.41M	$59.78M	$85.98M	$80.83M	$11.15M
Income Tax Expense	$-44,475,000	$33.53M	$24.07M	$26.22M	$26.58M	$21.77M	$19.75M	$20.61M	$12.44M	$19.36M	$18.20M	$-2,940,000

Net Income	$-139,745,000	$115.64M	$84.29M	$86.45M	$91.49M	$78.73M	$71.41M	$75.80M	$47.35M	$66.61M	$62.63M	$14.09M

EBITDA	$-159,970,000	$168.28M	$128.17M	$124.52M	$128.86M	$112.38M	$102.61M	$105.79M	$70.72M	$95.71M	$91.72M	$22.09M
EBIT	$-184,220,000	$149.17M	$108.36M	$112.68M	$118.07M	$100.50M	$91.16M	$96.41M	$59.78M	$85.98M	$80.83M	$11.15M

* Some calculated fields are derived from available data when not provided by source

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News

United Community Banks 3Q 2026: Revenue $(12.0)M, EPS $(1.16) — 10-Q Summary

United Community Banks reported a significant downturn in Q3 2026, with revenue at $(12.0) million and a net loss of $140 million, largely due to a $366.1 million securities loss...

TradingView•Nov 4, 2026 4:40 PM ET11/4/26•Bearish

How Investors May Respond To United Community Banks (UCB) Improved Earnings Outlook

United Community Banks (UCB) reported Q3 2026 results with a net loss but improved net interest income and a completed share buyback. The bank issued Q4 2026 EPS guidance of US$0.80 to US$0.83...

Simply Wall St•Nov 3, 2026 9:11 AM ET11/3/26•Bullish

United Community Banks stock reaches new 52-week high amid upgrades

United Community Banks (UCB) stock reached a new 52-week high on Monday, November 2, 2026, trading as high as USD 37.50. This surge followed the bank matching third-quarter earnings estimates...

ad-hoc-news.de•Nov 2, 2026 9:47 PM ET11/2/26•Neutral

International bankers, new banks and festivals -- In The Know

This article covers several business and community developments in the Greenville, SC area. Key announcements include United Community's expansion of its international banking team...

Greenville Online•Oct 27, 2026 4:39 PM ET10/27/26•Neutral

United Community Banks (NYSE:UCB) Stock: Insider Richard Bradshaw Sells 1,345 Shares

EVP Richard Bradshaw of United Community Banks (NYSE:UCB) sold 1,345 shares for approximately $49,994, reducing his direct holdings by 1.61%. The company's shares are trading near their 52-week high...

MarketBeat•Oct 26, 2026 5:12 PM ET10/26/26•Somewhat-Bullish

UCB Valuation and Fair Value

P/E: 12.8x
Forward P/E: 13.2x
EV/EBITDA: 16.7x
P/FCF: 11.0x
PEG: 1.7x
P/B: 1.3x

See GNG's fair value

UCB Profitability: Margins, ROIC and FCF

Operating margin: 771.0%
Net margin: 17.9%
ROIC: 4.1%
ROE: 4.1%
FCF margin: 49.1%
FCF yield: 9.1%

UCB Competitors

Company	Ticker
Enova International Inc	ENVA
Flagstar Bank, National Association	FLG
Texas Capital Bancshares, Inc.	TCBI
First Financial Bankshares Inc	FFIN
Qudian Inc	QD
Blue Owl Technology Finance Corp.	OTF
The Baldwin Insurance Group, Inc.	BWIN
CorVel Corp	CRVL

Sector: Financial Services

UCB Analyst Ratings

Consensus: Buy
Analysts: 7
Strong Buy: 1
Buy: 2
Hold: 4
Sell: 0
Strong Sell: 0

UCB Bull Case vs Bear Case

Bull case

UCB converts 49.1% of revenue into free cash flow.
UCB grew quarterly revenue 24.4% year over year.

UCB Earnings: Beat Rate and Next Report

Beat rate: 4 of 8 quarters (50.0%)
Average surprise: 2.6%
EPS estimate (fiscal period ending Dec 31, 2026): $0.73

UCB Dividend

Forward yield: 2.8%
Payout ratio: 83.0%
3Y DPS growth: 4.5%
5Y DPS growth: 6.4%
Pay months: Jan, Apr, Jul, Oct

UCB dividend history

UCB Earnings Date

UCB reports Jan 12, 2027. The date is estimated.

UCB Earnings Call

The latest UCB earnings call transcript on file is labeled 2026Q3.

Read the 2026Q3 transcript

UCB ETF Holders

GNG tracks 16 ETFs that hold UCB. The largest weights:

State Street SPDR S&P Regional Banking ETF (KRE), 1.18% of the fund
State Street SPDR S&P Bank ETF (KBE), 1.00% of the fund
Fidelity Enhanced Small Cap Core ETF (FESM), 0.34% of the fund
iShares Core S&P Small-Cap ETF (IJR), 0.25% of the fund
Avantis U.S. Small Cap Value ETF (AVUV), 0.18% of the fund

Open the ETF Stock Exposure tool for UCB

Frequently Asked Questions About UCB

When is UCB's next ex-dividend date?

UCB has not declared its next regular ex-dividend date yet. Its last ex-dividend date was Sep 15, 2026 ($0.26 per share). Over the last 12 months, UCB went ex-dividend in Mar, Jun, Sep and Dec.

When does UCB report earnings?

United Community Banks, Inc. (UCB) is expected to report earnings on Jan 12, 2027.

What is UCB's current dividend yield?

United Community Banks, Inc. (UCB) has a forward dividend yield of 2.81%.

Does UCB pay dividends?

Yes, United Community Banks, Inc. pays dividends with a forward dividend yield of 2.81%.

What is UCB's P/E ratio?

United Community Banks, Inc. has a price-to-earnings (P/E) ratio of 12.84.

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