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UCB
Upturn stock ratingUpturn stock rating

United Community Banks, Inc. (UCB)

Upturn stock ratingUpturn stock rating
$33.49
Last Close (24-hour delay)
Profit since last BUY13.49%
upturn advisory
Consider higher Upturn Star rating
BUY since 76 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
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Upturn Advisory Summary

08/28/2025: UCB (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$34.92 Target price
52w Low $22.74
Current$33.49
52w High $34.54

Analysis of Past Performance

Type Stock
Historic Profit -0.62%
Avg. Invested days 36
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/28/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 4.07B USD
Price to earnings Ratio 15.18
1Y Target Price 34.92
Price to earnings Ratio 15.18
1Y Target Price 34.92
Volume (30-day avg) 7
Beta 0.85
52 Weeks Range 22.74 - 34.54
Updated Date 08/29/2025
52 Weeks Range 22.74 - 34.54
Updated Date 08/29/2025
Dividends yield (FY) 2.87%
Basic EPS (TTM) 2.2

Earnings Date

Report Date -
When -
Estimate -
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 15.18
Forward PE 12.53
Enterprise Value 3746753024
Price to Sales(TTM) 4.41
Enterprise Value 3746753024
Price to Sales(TTM) 4.41
Enterprise Value to Revenue 4.52
Enterprise Value to EBITDA -
Shares Outstanding 121474000
Shares Floating 120672729
Shares Outstanding 121474000
Shares Floating 120672729
Percent Insiders 0.41
Percent Institutions 86.02

ai summary icon Upturn AI SWOT

United Community Banks, Inc.

stock logo

Company Overview

overview logo History and Background

United Community Banks, Inc. (UCBI) was founded in 1950 and is headquartered in Blairsville, Georgia. It has grown through acquisitions and organic expansion, becoming a regional bank with a presence in the Southeast.

business area logo Core Business Areas

  • Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses of various sizes.
  • Retail Banking: Offers checking and savings accounts, mortgages, and other consumer financial products.
  • Wealth Management: Provides investment management, trust services, and financial planning.

leadership logo Leadership and Structure

Lynn Harton is the Chairman and CEO. The company operates with a traditional hierarchical structure, with regional presidents and functional department heads reporting to the CEO.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment purchases, and real estate. Market share data is regionally dependent and difficult to ascertain precisely on a national scale. Competitors include Truist (TFC), Regions Financial (RF), and smaller community banks.
  • Mortgages: Offers residential mortgage loans. Market share varies by region. Competitors include large national mortgage lenders and other regional banks. Precise revenue figures are not publicly broken out.
  • Deposit Accounts: Offers checking, savings, and money market accounts. Market share varies by region. Competitors include large national banks like Bank of America (BAC) and Wells Fargo (WFC), as well as other regional and community banks. Precise revenue figures are not publicly broken out.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently facing a complex environment, impacted by interest rate fluctuations, regulatory changes, and increasing competition from fintech companies.

Positioning

UCBI is positioned as a strong regional bank in the Southeast, focusing on community relationships and providing personalized service. They differentiate themselves by focusing on small to medium sized enterprises.

Total Addressable Market (TAM)

The total addressable market for banking services in the Southeast is estimated to be in the hundreds of billions of dollars. UCBI is positioned to capture a portion of this TAM through its focus on community banking and relationship building.

Upturn SWOT Analysis

Strengths

  • Strong presence in the Southeast
  • Experienced management team
  • Solid credit quality
  • Relationship-focused banking model

Weaknesses

  • Limited geographic diversification
  • Smaller size compared to national banks
  • Reliance on traditional banking model in a changing landscape

Opportunities

  • Further expansion through acquisitions
  • Increased focus on digital banking services
  • Growth in wealth management business
  • Capitalizing on disruption from larger banks

Threats

  • Rising interest rates
  • Increased competition from fintech companies
  • Economic downturn
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • TFC
  • RF
  • FCNCA
  • PBCT

Competitive Landscape

UCBI's advantages include its strong regional presence and focus on relationship banking. Disadvantages include its smaller size compared to larger national banks and limited geographic diversification. The market share numbers are based on assets under management for regional southeast banks.

Major Acquisitions

Reliant Bancorp

  • Year: 2021
  • Acquisition Price (USD millions): 759
  • Strategic Rationale: Expanded UCBI's presence in the Nashville market.

Growth Trajectory and Initiatives

Historical Growth: UCBI has experienced steady growth through acquisitions and organic expansion.

Future Projections: Analyst estimates project continued revenue growth and profitability, driven by expansion in the Southeast and increased focus on digital banking.

Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new markets.

Summary

United Community Banks demonstrates steady financial performance and strategic growth through acquisitions. Their focus on relationship banking and digital initiatives positions them well in the Southeast. However, they must navigate increased competition and adapt to evolving customer preferences to ensure long-term sustainability. Limited geographic diversity and smaller size compared to key competitors require UCBI to focus on market leadership within its region. Macroeconomic conditions can also impact revenues and profit margins for UCBI.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • United Community Banks, Inc. Investor Relations
  • SEC Filings (10-K, 10-Q)
  • Analyst Reports
  • Company Press Releases

Disclaimers:

This analysis is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and may vary depending on the source. This is a simplified analysis and does not represent comprehensive due diligence.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 3050

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.