Stock Scorecard
Stock Summary for United Community Banks Inc (UCB) - $31.29 as of 12/4/2025 10:43:47 AM EST
Total Score
20 out of 30
Safety Score
55 out of 100
Currently on the following lists
Growth Stock List
Tim's Recommendation
Buy
Growth List Algorithm Criteria for UCB
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for UCB
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for UCB
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for UCB
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for UCB (55 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 8 |
| Stock Price Trend (Max of 10) | 0 |
| Book Value (Max of 10) | 7 |
| Book Value to Price (Max of 10) | 2 |
| Analyst Buy Ratings (Max of 5) | 3 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 6 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for UCB
Financial Details for UCB
Company Overview |
|
|---|---|
| Ticker | UCB |
| Company Name | United Community Banks Inc |
| Country | USA |
| Description | N/A |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 1/21/2026 |
Stock Price History |
|
| Last Day Price | 31.29 |
| Price 4 Years Ago | 31.92 |
| Last Day Price Updated | 12/4/2025 10:43:47 AM EST |
| Last Day Volume | 575,543 |
| Average Daily Volume | 664,297 |
| 52-Week High | 33.78 |
| 52-Week Low | 22.57 |
| Last Price to 52 Week Low | 38.64% |
Valuation Measures |
|
| Trailing PE | 12.42 |
| Industry PE | 17.90 |
| Sector PE | 24.06 |
| 5-Year Average PE | 12.87 |
| Free Cash Flow Ratio | 6.20 |
| Industry Free Cash Flow Ratio | 6.61 |
| Sector Free Cash Flow Ratio | 39.55 |
| Current Ratio Most Recent Quarter | 0.19 |
| Total Cash Per Share | 5.05 |
| Book Value Per Share Most Recent Quarter | 29.59 |
| Price to Book Ratio | 1.05 |
| Industry Price to Book Ratio | 1.12 |
| Sector Price to Book Ratio | 1.92 |
| Price to Sales Ratio Twelve Trailing Months | 3.85 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.12 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.85 |
| Analyst Buy Ratings | 3 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 121,557,000 |
| Market Capitalization | 3,803,518,530 |
| Institutional Ownership | 86.36% |
Dividends |
|
| Ex-Dividend Date | 12/15/2025 |
| Previous Dividend Amount | 0.2500 |
| Current Dividend Amount | 0.2500 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 0.97 |
| Trailing Annual Dividend Yield | 3.10% |
| Forward Annual Dividend Rate | 1.00 |
| Forward Annual Dividend Yield | 3.20% |
| 5-Year Dividend Payments Count | 21 |
| 3-Year Average Dividend Yield | 3.15% |
| 5-Year Average Dividend Yield | 2.94% |
| 1-Year Dividend Growth Rate Percentage | 4.26% |
| 3-Year Dividend Growth Rate Percentage | 3.21% |
| 5-Year Dividend Growth Rate Percentage | 5.87% |
| All-Time Dividend Growth Rate Percentage | 1.30% |
| Dividend Payout Ratio | 38.49% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 84.30% |
| Annual Earnings Growth | 34.58% |
| Reported EPS 12 Trailing Months | 2.52 |
| Reported EPS Past Year | 2.00 |
| Reported EPS Prior Year | 2.30 |
| Net Income Twelve Trailing Months | 317,499,000 |
| Net Income Past Year | 252,397,000 |
| Net Income Prior Year | 187,544,000 |
| Quarterly Revenue Growth YOY | 32.60% |
| 5-Year Revenue Growth | 18.22% |
| Operating Margin Twelve Trailing Months | 48.20% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 613,431,000 |
| Total Cash Past Year | 519,873,000 |
| Total Cash Prior Year | 1,003,875,000 |
| Net Cash Position Most Recent Quarter | 458,180,000 |
| Net Cash Position Past Year | 265,721,000 |
| Long Term Debt Past Year | 254,152,000 |
| Long Term Debt Prior Year | 324,823,000 |
| Total Debt Most Recent Quarter | 155,251,000 |
| Equity to Debt Ratio Past Year | 0.93 |
| Equity to Debt Ratio Most Recent Quarter | 0.96 |
| Total Stockholder Equity Past Year | 3,432,127,000 |
| Total Stockholder Equity Prior Year | 3,261,525,000 |
| Total Stockholder Equity Most Recent Quarter | 3,596,851,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 439,296,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 3.61 |
| Free Cash Flow Past Year | 302,690,000 |
| Free Cash Flow Prior Year | 221,486,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.14 |
| MACD Signal | -0.03 |
| 20-Day Bollinger Lower Band | 28.69 |
| 20-Day Bollinger Middle Band | 31.00 |
| 20-Day Bollinger Upper Band | 33.31 |
| Beta | 0.88 |
| RSI | 54.68 |
| 50-Day SMA | 27.25 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 28.08 |
System |
|
| Modified | 12/4/2025 10:43:48 AM EST |