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United Community Banks

NYQ:UCB · US90984P3038
BanksSmall

360

78
Profit price70
Cash yield81
Price/Sales23
EV / Gross Profit81
Price/Book73
Returns on capital75
Profit margins—
Cash Conversion49
Accruals78
Owner Earnings Margin75
Sales growth30
Profit Growth76
Owner Earnings Growth78
Reinvestment30
Price momentum26
Debt load64
Debt serviceability45
Liquidity71
Analyst ratings31
Opinion Changes50
Price Target Upside80
Market mood76
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

United Community Banks generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNYSE
Founded1987
Employees1,844
Websiteucbi.com
ISINUS90984P3038
Last UpdateApr 2, 2026
Index & Theme
Banking

Description

United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides diversified financial services. The company has grown through a combination of strategic acquisitions and organic growth throughout Georgia, So…

Analysis

Middle-of-the-road

United Community Banks, Inc. is a middle-of-the-road business: neither the economics nor the price stand out from the peer group.

The price is attractive. You pay 11.2× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is moderate and the balance sheet is adequate. The company scores 20/20 on our value-creation score: strong value creator. Analysts lean positive.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
71
2023202420252026

All-time high

71

Jun 2026

All-time low

21

Jan 2024

Average rank

41

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
23
27
20
20
Price/Earnings
50
19
26
26
Price/Book
73
43
44
18
Dividend Yield
81
41
40
31
Value (overall)
60
17
21
13

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →