Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
United Community Banks, Inc. (UCB)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
10/15/2025: UCB (1-star) is a SELL. SELL since 3 days. Simulated Profits (7.51%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $34.92
1 Year Target Price $34.92
| 3 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -5.82% | Avg. Invested days 40 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.64B USD | Price to earnings Ratio 13.62 | 1Y Target Price 34.92 |
Price to earnings Ratio 13.62 | 1Y Target Price 34.92 | ||
Volume (30-day avg) 7 | Beta 0.84 | 52 Weeks Range 22.57 - 34.27 | Updated Date 10/17/2025 |
52 Weeks Range 22.57 - 34.27 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 3.26% | Basic EPS (TTM) 2.2 |
Earnings Date
Report Date 2025-10-22 | When Before Market | Estimate 0.7 | Actual - |
Profitability
Profit Margin 29.61% | Operating Margin (TTM) 45.64% |
Management Effectiveness
Return on Assets (TTM) 0.99% | Return on Equity (TTM) 7.86% |
Valuation
Trailing PE 13.62 | Forward PE 12.53 | Enterprise Value 3328880896 | Price to Sales(TTM) 3.94 |
Enterprise Value 3328880896 | Price to Sales(TTM) 3.94 | ||
Enterprise Value to Revenue 4.23 | Enterprise Value to EBITDA - | Shares Outstanding 121474460 | Shares Floating 120673943 |
Shares Outstanding 121474460 | Shares Floating 120673943 | ||
Percent Insiders 0.41 | Percent Institutions 86.35 |
Upturn AI SWOT
United Community Banks, Inc.
Company Overview
History and Background
United Community Banks, Inc. was founded in 1950 as United Community Bank in Blairsville, Georgia. Initially serving local communities, it has grown through organic expansion and strategic acquisitions, becoming a regional bank with a presence in multiple southeastern states.
Core Business Areas
- Community Banking: Offers traditional banking services including checking and savings accounts, loans, and other financial products to individuals and small businesses.
- Commercial Banking: Provides lending and deposit services, as well as treasury management and other specialized solutions for larger businesses and corporations.
- Wealth Management: Offers investment advisory, trust, and estate planning services to high-net-worth individuals and families.
Leadership and Structure
Lynn Harton serves as the Chairman and Chief Executive Officer. The organizational structure includes various executive leadership positions overseeing different business segments and support functions, reporting to the CEO and board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides various commercial lending options for business expansion, real estate, and working capital. United Community Banks competes with other regional and national banks for this product. Market share information is not readily available in a single comprehensive source, requiring analysis of loan portfolio sizes relative to total market lending activity. Major competitors include Truist, Regions, and Fifth Third.
- Residential Mortgages: Offers mortgage loans for home purchases and refinancing. United Community Banks competes with numerous local and national mortgage lenders. Market share data is not readily available but is tracked through HMDA data and industry reports. Competitors: Wells Fargo, Bank of America, Chase
- Small Business Loans: Provides SBA and conventional loans for small businesses. Competitors include other regional banks and online lenders. Market share data not specifically available.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, technological disruption from fintech companies, and consolidation through mergers and acquisitions.
Positioning
United Community Banks, Inc. positions itself as a community-focused regional bank offering personalized service and local expertise, differentiating itself from larger national banks while competing with other regional players.
Total Addressable Market (TAM)
The total addressable market for regional banking in the Southeastern United States is estimated to be in the hundreds of billions of dollars, encompassing loans, deposits, and other financial services. United Community Banks is positioned to capture a portion of this TAM through its branch network, online banking platform, and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong regional presence in attractive markets
- Experienced management team
- Solid asset quality
- Diversified revenue streams
- Customer-centric approach
Weaknesses
- Limited geographic footprint compared to national banks
- Higher operating costs than some larger competitors
- Reliance on traditional banking model
- Exposure to regional economic fluctuations
Opportunities
- Strategic acquisitions to expand market share
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Expansion into new geographic markets
- Increased lending activity due to economic growth
Threats
- Increased competition from fintech companies
- Rising interest rates and potential economic downturn
- Stringent regulatory requirements
- Cybersecurity threats
- Changing customer preferences
Competitors and Market Share
Key Competitors
- Regions Financial Corporation (RF)
- Truist Financial Corporation (TFC)
- Pinnacle Financial Partners, Inc. (PNFP)
- First Horizon Corporation (FHN)
Competitive Landscape
United Community Banks faces competition from larger regional and national banks, as well as smaller community banks and credit unions. Its advantages include its strong regional presence, customer relationships, and focus on community banking. Disadvantages include its smaller size and limited geographic reach compared to larger competitors.
Major Acquisitions
Reliant Bancorp
- Year: 2021
- Acquisition Price (USD millions): 757
- Strategic Rationale: Expanded UCBI's footprint into the attractive Nashville, Tennessee market and added significant scale to the company's operations.
Navion Financial Corporation
- Year: 2023
- Acquisition Price (USD millions): 162
- Strategic Rationale: Enhanced UCBI's specialty lending capabilities and strengthened its position in key markets.
Growth Trajectory and Initiatives
Historical Growth: United Community Banks has demonstrated steady growth through organic expansion and acquisitions over the past decade.
Future Projections: Analyst estimates suggest continued growth in revenue and earnings driven by loan growth, fee income, and cost efficiencies.
Recent Initiatives: Recent initiatives include investments in digital banking, expansion of wealth management services, and strategic acquisitions of smaller banks and financial institutions.
Summary
United Community Banks is a relatively strong regional bank focusing on community and commercial banking with wealth management add-ons. The company is growing through strategic acquisition which provides new markets to grow within. Their smaller size presents a challenge to larger competitors who cover a larger portion of the region. They should look out for larger financial institutions taking interest in their regional areas and provide a strong value proposition to their customers.
Peer Comparison
Sources and Disclaimers
Data Sources:
- United Community Banks Investor Relations
- SEC Filings
- Analyst Reports
- Industry Publications
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated based on available information and may not be precise. Investment decisions should be made based on individual circumstances and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About United Community Banks, Inc.
Exchange NASDAQ | Headquaters Greenville, SC, United States | ||
IPO Launch date 2002-03-18 | Chairman & CEO Mr. Herbert Lynn Harton | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3050 | Website https://www.ucbi.com |
Full time employees 3050 | Website https://www.ucbi.com | ||
United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts; and lending services, such as real estate, commercial, consumer, secured and unsecured, and mortgage loans to individuals, small and mid-sized businesses, and non-profit organizations. It also originates loans partially guaranteed by the United States Small Business Administration and the United States Department of Agriculture loan programs. In addition, the company provides private banking, investment management, investment advice, financial planning, estate, and retirement planning and insurance products and services; trust services to manage fiduciary assets; non-deposit investment and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities; and reinsurance on property insurance contracts. United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.