Stock Scorecard
Stock Summary for United Community Banks Inc (UCB) - $29.94 as of 3/14/2026 9:36:22 AM EST
Total Score
17 out of 30
Safety Score
61 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible 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 (61 out of 100)
| Stock Price Rating (Max of 10) | 7 |
| Historical Stock Price Rating (Max of 10) | 8 |
| Stock Price Trend (Max of 10) | 0 |
| Book Value (Max of 10) | 8 |
| Book Value to Price (Max of 10) | 6 |
| 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) | 8 |
| 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 | United Community Banks, Inc. (UCB) is a prominent regional bank headquartered in Blairsville, Georgia, delivering a diverse array of financial services to individual and business clients primarily throughout the Southeastern United States. Committed to community-oriented banking, UCB specializes in commercial and retail banking, mortgage services, and wealth management solutions, demonstrating a consistent growth trajectory bolstered by strategic acquisitions. The bank's strong financial performance and robust risk management practices enhance its competitive positioning and foster deep-rooted customer trust. UCB's proactive approach to customer service excellence solidifies its reputation as a reliable financial partner in the banking sector. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 12/31/2025 |
| Next Earnings Date | 4/28/2026 |
Stock Price History |
|
| Last Day Price | 29.94 |
| Price 4 Years Ago | 30.33 |
| Last Day Price Updated | 3/14/2026 9:36:22 AM EST |
| Last Day Volume | 803,806 |
| Average Daily Volume | 857,011 |
| 52-Week High | 36.47 |
| 52-Week Low | 22.21 |
| Last Price to 52 Week Low | 34.80% |
Valuation Measures |
|
| Trailing PE | 11.43 |
| Industry PE | 18.38 |
| Sector PE | 60.31 |
| 5-Year Average PE | 11.98 |
| Free Cash Flow Ratio | 17.72 |
| Industry Free Cash Flow Ratio | 12.51 |
| Sector Free Cash Flow Ratio | 42.87 |
| Current Ratio Most Recent Quarter | 0.17 |
| Total Cash Per Share | 1.69 |
| Book Value Per Share Most Recent Quarter | 30.17 |
| Price to Book Ratio | 0.98 |
| Industry Price to Book Ratio | 1.10 |
| Sector Price to Book Ratio | 1.73 |
| Price to Sales Ratio Twelve Trailing Months | 3.53 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.08 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.47 |
| Analyst Buy Ratings | 3 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 119,613,000 |
| Market Capitalization | 3,581,213,220 |
| Institutional Ownership | 88.64% |
Dividends |
|
| Ex-Dividend Date | 3/13/2026 |
| Previous Dividend Amount | 0.2500 |
| Current Dividend Amount | 0.2500 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 0.99 |
| Trailing Annual Dividend Yield | 3.25% |
| Forward Annual Dividend Rate | 1.00 |
| Forward Annual Dividend Yield | 3.28% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 3.17% |
| 5-Year Average Dividend Yield | 3.10% |
| 1-Year Dividend Growth Rate Percentage | 2.04% |
| 3-Year Dividend Growth Rate Percentage | 1.02% |
| 5-Year Dividend Growth Rate Percentage | 3.84% |
| All-Time Dividend Growth Rate Percentage | 1.30% |
| Dividend Payout Ratio | 37.79% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 15.80% |
| Annual Earnings Growth | 30.01% |
| Reported EPS 12 Trailing Months | 2.62 |
| Reported EPS Past Year | 2.70 |
| Reported EPS Prior Year | 2.30 |
| Net Income Twelve Trailing Months | 328,150,000 |
| Net Income Past Year | 328,150,000 |
| Net Income Prior Year | 252,397,000 |
| Quarterly Revenue Growth YOY | 10.50% |
| 5-Year Revenue Growth | 17.18% |
| Operating Margin Twelve Trailing Months | 45.80% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 202,586,000 |
| Total Cash Past Year | 202,586,000 |
| Total Cash Prior Year | 519,873,000 |
| Net Cash Position Most Recent Quarter | 82,186,000 |
| Net Cash Position Past Year | 82,186,000 |
| Long Term Debt Past Year | 120,400,000 |
| Long Term Debt Prior Year | 254,152,000 |
| Total Debt Most Recent Quarter | 120,400,000 |
| Equity to Debt Ratio Past Year | 0.97 |
| Equity to Debt Ratio Most Recent Quarter | 0.97 |
| Total Stockholder Equity Past Year | 3,638,686,000 |
| Total Stockholder Equity Prior Year | 3,432,127,000 |
| Total Stockholder Equity Most Recent Quarter | 3,638,686,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 407,722,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 3.41 |
| Free Cash Flow Past Year | 407,722,000 |
| Free Cash Flow Prior Year | 302,690,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 0.85 |
| RSI | 0.00 |
| 50-Day SMA | 27.28 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 27.78 |
System |
|
| Modified | 3/14/2026 9:36:23 AM EST |