United Community Banks, Inc. (UCB) Stock

United Community Banks, Inc. (UCB) is a Financials stock trading at $35.52 (as of 2026-08-20), with a market capitalization of $4.25B and a trailing P/E of 11.2. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

United Community Banks, Inc. is a financial holding company for United Community Bank. It offers deposit products and lending (including real estate, consumer, and commercial loans, as well as SBA- and USDA-partially guaranteed lending), plus wealth management, trust services, non-deposit investment products, and insurance, serving customers across commercial, retail, government, education, energy, health care, and real estate markets.

Understand United Community Banks, Inc.: how it makes money

United Community Banks provides banking products and services, taking deposits and making loans to commercial, retail, and other customers, and it makes most of its money from net interest revenue, with some contribution from wealth management revenue.

For this bank, the profit model is structurally centered on net interest revenue (loan and deposit spread), with wealth management revenue as a smaller side contributor.

Revenue by segment (latest quarter)
Net interest$0.2B
Wealth mgmt$0.0B
Other revenue$0.1B

Business quality (Strong): The provided breakdown shows net interest revenue as the dominant revenue driver, but it only includes a couple of components, so other revenue sources and major underwriting or credit details are not visible in the supplied facts.

Valuation: At 12× earnings, UCB trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Net interest revenue is the largest reported revenue component (0.23B versus 0.3B total revenue): This supports that earnings power is closely tied to the bank's core lending and deposit business.
  • Wealth management revenue is present (0.01B): This indicates a secondary fee-driven contributor alongside net interest revenue.

Bear case

  • Net interest revenue is the dominant driver of revenue in the provided data (0.23B out of 0.3B): If net interest revenue weakens, it would likely have an outsized impact on overall results.
  • Wealth management revenue is relatively small in the provided data (0.01B): Fee income may not be large enough to offset weakness in net interest revenue.
Valuation — source: SEC EDGAR (first-party)
Price$35.52
Market Cap$4.25B
P/E Ratio11.2
EV / EBITDA7.6
Price / Book1.14
Price / Sales3.83
Dividend Yield2.8%
FCF Yield8.5%
DCF Value (model)$45.43
DCF Upside vs Price27.9%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$1.06B
Net Margin30.9%
Return on Equity10.1%
Debt / Equity0.10
Revenue Growth (YoY)7.3%
EPS Growth (YoY)50.8%
FCF Growth (YoY)43.3%
Valuation vs Sector & Industry
Stock P/E11.2
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
vs Sector-25.7%
vs Industry-12.9%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($562.46M)
Institutional Holders Tracked10
Congressional Trades (recent)2
Company
SectorFinancials
IndustryBanking
CEOHerbert Lynn Harton
Employees2,982
CountryUS
IPO Date2000-01-04

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UCB earnings history · UCB institutional & insider holders · UCB KPIs & operating metrics · UCB financials · UCB investor presentations & press releases · UCB SEC filings · UCB peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.