Price (90d)
No price history yet — the daily price refresh runs once a day.
Signal Score (90d)
120Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $1.54B | $328.15M | $2.63 |
| 2024 | $1.48B | $252.40M | $2.04 |
| 2023 | $1.29B | $187.54M | $1.54 |
| 2022 | $928.93M | $277.47M | $2.52 |
| 2021 | $716.27M | $269.80M | $2.97 |
Social Signal Score
Earnings
Wed, Oct 21(in 2 months)
Consensus estimate $0.75 per share
Typical surprise +5.4% (median, so one quarter with a near-zero estimate can't distort it)
- Tue, Jul 21$0.71 vs $0.81miss
- Tue, Apr 21$0.70 vs $0.70beat
- Wed, Jan 14$0.71 vs $0.73miss
- Wed, Oct 22$0.75 vs $0.70beat
- Wed, Jul 23$0.66 vs $0.62beat
- Tue, Apr 22$0.59 vs $0.56beat
Estimates and results for UCB via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Valuation
Project earnings forward and see what return today's price implies.
Seeded from UCB's reported EPS growth of -3.0% a year over 4 years.
- EPS in 5 years
- $2.32
- Implied price
- $27.79
- Return from $36.74
- -5.4% a year
To earn 15.0% a year on these assumptions you'd need to buy at $13.82 — -62.4% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 8 | 10 | 12 | 14 | 16 |
|---|---|---|---|---|---|
| -13.0% | -21.8% | -18.2% | -15.2% | -12.5% | -10.2% |
| -8.0% | -17.3% | -13.5% | -10.3% | -7.5% | -5.0% |
| -3.0% | -12.8% | -8.8% | -5.4% | -2.5% | 0.2% |
| 2.0% | -8.3% | -4.1% | -0.6% | 2.6% | 5.3% |
| 7.0% | -3.8% | 0.6% | 4.3% | 7.6% | 10.5% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Mentions (2)
- Newsprnewswire.com·1d ago·Positive
United Community Names Sean Simpson Chief Commercial Banking Officer GREENVILLE, S.C., Aug. 13, 2026 /PRNewswire/ -- United Community announced Sean Simpson has joined the bank as chief commercial banking officer, bringing proven leadership and industry expertise.
View source ↗ - Newsglobenewswire.com·1d ago·Positive
United Community Banks, Inc. Announces Quarterly Cash Dividend on Common Stock GREENVILLE, S.C., Aug. 13, 2026 (GLOBE NEWSWIRE) -- United Community Banks, Inc. (NYSE: UCB) (the “Company”) reported that its Board of Directors approved a 4% increase in the quarterly cash dividend on the Company's common stock, raising the dividend to $0.26 per share. The dividend is payable on October 5, 2026, to shareholders of record as of September 15, 2026.
View source ↗