Price
No data yet.
Social Signal Score
Analyst Ratings
7 analystsRevenue
$382.75M+242.35%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Herbert Lynn Harton
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 3,141
- Beta
- 0.83
- Country
- US
- Piotroski score
- 9 / 9 (Strong)
- Altman Z-score
- 0.42
Financials
Revenue
$382.75M+242.4%Net Income
$115.64M+346.9%EBITDA
$138.34M+177.4%Free Cash Flow
$121.41M+137.3%EPS (diluted)
$0.95+163.9%Shares Outstanding (diluted)
120.44M+68.3%Operating Expenses
$141.50MCash & Debt
$4.24BReturn of Capital
$30.38MDividend per Share
$0.26Quote
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 |
| 2020 | $695.60M | $164.09M | $1.91 |
| 2019 | $640.98M | $185.72M | $2.31 |
| 2018 | $577.72M | $166.11M | $2.07 |
| 2017 | $463.98M | $67.82M | $0.92 |
| 2016 | $428.72M | $100.66M | $1.40 |
| 2015 | $351.06M | $71.58M | $1.09 |
| 2014 | $303.99M | $67.62M | $1.11 |
| 2013 | $302.44M | $273.14M | $4.44 |
| 2012 | $322.09M | $33.86M | $0.44 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from UCB's reported EPS growth of 14.7% a year over 13 years.
- EPS in 5 years
- $5.35
- Implied price
- $64.25
- Return from $34.12
- 13.5% a year
To earn 15.0% a year on these assumptions you'd need to buy at $31.94 — -6.4% 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 |
|---|---|---|---|---|---|
| 4.7% | -4.5% | -0.1% | 3.6% | 6.8% | 9.7% |
| 9.7% | 0.1% | 4.7% | 8.5% | 11.9% | 15.0% |
| 14.7% | 4.7% | 9.4% | 13.5% | 17.0% | 20.2% |
| 19.7% | 9.2% | 14.2% | 18.4% | 22.2% | 25.5% |
| 24.7% | 13.8% | 19.0% | 23.4% | 27.3% | 30.7% |
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.
Signal Score (90d)
70-58.82%Social Signal Score
Mentions (10)
- Newsglobenewswire.com·5d ago·Positive
United Community Banks, Inc. Announces Date for Third Quarter 2026 Earnings Release and Conference Call GREENVILLE, S.C., Sept. 30, 2026 (GLOBE NEWSWIRE) -- United Community Banks, Inc. (NYSE: UCB) announces it will release its third quarter 2026 financial results on Tuesday, October 20, 2026, before the stock market opens. The company will hold a conference call at 8:30 a.m. ET on Tuesday, October 20, 2026, to discuss its financial results, business highlights, and outlook.
View source ↗ - Newsprnewswire.com·6d ago·Positive
United Community Bank Foundation nears $3 million in community giving, marks milestone anniversary The Foundation has awarded 1,146 grants to 753 organizations across its Southeast footprint GREENVILLE, S.C., Sept. 29, 2026 /PRNewswire/ -- The United Community Bank Foundation is marking its fifth anniversary by sharing the impact it's made to build stronger communities throughout the Southeast.
View source ↗ - News (RSS)seekingalpha·24d ago·Neutral
United Community Banks, Inc. (UCB) Discusses Completion of Strategic Initiatives and Sale of Navitas to Strengthen Financial Position - Slideshow
View source ↗ - Newsglobenewswire.com·28d ago·Neutral
…plify and Strengthen Balance Sheet; Increased Share Repurchase Authorization GREENVILLE, S.C., Sept. 08, 2026 (GLOBE NEWSWIRE) -- United Community Banks, Inc. (NYSE: UCB) (“United” or the “Company”) today announced that, following the September 1 completion of the sale of Navitas Credit Corp. and NLFC Reinsurance Corp (collectively, “Navitas”), which netted the Company approximately $2.0 billion in proceeds, it has completed a strategic balance sheet repositioning of its investment securities po…
View source ↗ - Newsglobenewswire.com·34d ago·Neutral
…of Sale of Navitas Equipment Finance Business to Funds Managed by Wafra Inc. GREENVILLE, S.C., Sept. 01, 2026 (GLOBE NEWSWIRE) -- United Community Banks, Inc. (NYSE: UCB) (“United”) today announced the completion of the previously announced sale of its equipment finance business, consisting of Navitas Credit Corp. and NLFC Reinsurance Corp. (collectively, “Navitas”), to funds managed by Wafra Inc., acting through Navitas TopCo LLC (“Wafra”) for approximately $2.0 billion in cash1 (the “Transacti…
View source ↗ - Newsprnewswire.com·41d ago·Positive
United Community Names Dr. Jeff Beisler-Snell Head of International Banking and Capital Markets GREENVILLE, S.C., Aug. 25, 2026 /PRNewswire/ -- United Community has named Jeff Beisler-Snell head of International Banking and Capital Markets, expanding the bank's ability to help customers conduct business around the world.
View source ↗ - Newsglobenewswire.com·48d ago·Neutral
United Community Names Tom Speir as New Chief Financial Officer Seasoned banking executive brings deep financial, M&A, and investor relations experience to support United's continued growth Seasoned banking executive brings deep financial, M&A, and investor relations experience to support United's continued growth
View source ↗ - Newsprnewswire.com·51d ago·Positive
Axios Names UCB a Winner of the Metro Atlanta Top Workplaces 2026 Award /PRNewswire/ -- UCB, a global biopharmaceutical company with its U.S. headquarters in metro Atlanta, has been named a winner of the 2026 Metro Atlanta Top
View source ↗ - Newsprnewswire.com·53d 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·53d 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 ↗
Earnings
Tue, Oct 20(in 2 weeks)
Consensus estimate $0.77 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.
Insider trading
Open-market buys and sells by UCB officers and directors.
- Bought
- $74k
- Sold
- $2.4m
1 trade
11 trades
- Carande Carl Stevenbought
- Harralson Jefferson Lsold
- Bradshaw Richardsold
- Bradshaw Richardsold
- Bradshaw Richardsold
- Harton H Lynnsold
- Bradshaw Richardsold
- Kumler Alan Hsold
88 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
- Jefferson Shrevehouse · IN06 · disclosed Jun 23, 2025 (42d later)Sell$50,001 - $100,000
- Jefferson Shrevehouse · IN06 · disclosed Apr 14, 2025 (14d later)Buy$15,001 - $50,000
Self-reported filings, amounts as brackets. Via Senate/House disclosures.