UCBN Stock Chart & Stats
€30.40
€0.00(0.00%)
At close: 4:00 PM EDT
€30.40
€0.00(0.00%)
Day’s Range― - ―
52-Week Range€24.80 - €32.20
Previous CloseN/A
Volume0.00
Average Volume (3M)3.00
Market Cap
€3.68B
Enterprise Value€5.28K
Total Cash (Recent Filing)€4.24B
Total Debt (Recent Filing)€380.60M
Price to Earnings (P/E)11.6
Beta0.60
Next Earnings
Oct 20, 2026EPS Estimate
0.64Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)3.06
Shares Outstanding119,759,410
10 Day Avg. Volume0
30 Day Avg. Volume3
Financial Highlights & Ratios
PEG Ratio0.41
Price to Book (P/B)1.04
Price to Sales (P/S)2.47
P/FCF Ratio9.32
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€33.75Price Target Upside11.01% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)2.63
Revenue Forecast (FY)€968.75M
Bulls Say, Bears Say
Bulls Say
Revenue & Margin ExpansionSustained top-line growth and materially higher trailing net margin indicate the franchise is converting revenue into durable earnings. Higher margins across recent periods increase operating leverage and cash generation potential, supporting reinvestment, dividends, and capital deployment over the next several quarters.
Conservative Balance Sheet And CapitalLow leverage and sizable equity provide a durable buffer against cyclical credit or liquidity stress, enabling consistent lending and M&A optionality. Strong capitalization supports regulatory ratios and gives management flexibility for buybacks, acquisitions, or absorbing isolated credit events without impairing franchise stability.
Organic Loan Growth Driven By Producer ExpansionA sustained program to hire revenue producers coupled with multi-quarter loan growth reflects scalable origination capacity and deeper client coverage. Consistent organic loan growth supports net interest income durability and indicates the bank can grow earning assets without relying solely on volatile wholesale funding or one-off portfolio moves.
Bears Say
Volatile Cash Flow ConversionLarge year-to-year swings in operating and free cash flow reduce confidence that current earnings will consistently convert to cash. That variability complicates planning for capital returns, M&A, and provisioning, and increases execution risk when funding growth or absorbing transitory shocks over the medium term.
Navitas Divestiture Creates Reinvestment And Timing RiskSelling a large equipment-finance unit is structurally significant: it reduces credit volatility but requires redeploying sizable cash. Interim reinvestment into lower-yield securities and the timing of redeployment can depress net interest margin and create short-to-medium term earnings volatility until proceeds are fully placed into earning assets or strategic uses are executed.
Deposit Competition And Funding Cost PressureDeclining end-period deposits and anticipated tighter deposit markets suggest pressure on the bank's low-cost funding base. If deposit costs rise or core deposit levels fail to recover, net interest margin and loan-to-deposit dynamics could be structurally impaired, forcing greater reliance on higher-cost funding or slower loan growth.
United Community Banks News
UCBN FAQ
What was United Community Banks’s price range in the past 12 months?
United Community Banks lowest stock price was €24.80 and its highest was €32.20 in the past 12 months.
What is United Community Banks’s market cap?
United Community Banks’s market cap is €3.68B.
When is United Community Banks’s upcoming earnings report date?
United Community Banks’s upcoming earnings report date is Oct 20, 2026 which is in 73 days.
How were United Community Banks’s earnings last quarter?
United Community Banks released its earnings results on Jul 21, 2026. The company reported €0.614 earnings per share for the quarter, missing the consensus estimate of €0.701 by -€0.087.
Is United Community Banks overvalued?
According to Wall Street analysts United Community Banks’s price is currently Undervalued.
Does United Community Banks pay dividends?
United Community Banks does not currently pay dividends.
What is United Community Banks’s EPS estimate?
United Community Banks’s EPS estimate is 0.64.
How many shares outstanding does United Community Banks have?
United Community Banks has 119,759,410 shares outstanding.
What happened to United Community Banks’s price movement after its last earnings report?
United Community Banks reported an EPS of €0.614 in its last earnings report, missing expectations of €0.701. Following the earnings report the stock price went down -1.266%.
Which hedge fund is a major shareholder of United Community Banks?
Currently, no hedge funds are holding shares in DE:UCBN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
United Community Banks Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
€33.75 (11.01% Upside)
€33.75 (11.01% Upside)
Blogger Sentiment
Neutral
DE:UCBN Sentiment 50%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth €767.6K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
15.91%
12-Months-Change
Fundamentals
Return on Equity
2.87%
Trailing 12-Months
Asset Growth
3.44%
Trailing 12-Months
Company Description
United Community Banks
United Community Banks, Inc. functions as the parent entity for United Community Bank, through which it delivers a comprehensive array of financial solutions. These offerings cater to a diverse clientele, encompassing commercial enterprises, individual consumers, governmental bodies, educational institutions, and entities within the energy, healthcare, and real estate industries. Its core banking activities include accepting various deposit accounts, such as checking, savings, and money market options. The institution extends a broad spectrum of lending products, including real estate, consumer, and commercial loans. These are provided to individuals, small and mid-sized businesses, and non-profit organizations, encompassing both secured and unsecured options, as well as specialized mortgage financing. Furthermore, it originates loans partially backed by government initiatives like the Small Business Administration (SBA) and U.S. Department of Agriculture (USDA) programs. Beyond traditional banking, United Community Banks offers robust wealth management services, covering financial planning, bespoke portfolio management, and expert investment guidance. This is complemented by trust services for fiduciary asset administration, non-deposit investment alternatives, and a suite of insurance products, including life, long-term care, and tax-deferred annuities. The company also strategically invests its own capital in a range of securities, including residential and commercial mortgage-backed securities, asset-backed securities, U.S. Treasury and agency obligations, and municipal bonds. Additionally, the firm provides an extensive suite of supplementary financial tools, such as treasury management, credit and debit card services, diverse payment and commerce solutions, equipment financing, and dedicated investment advisory and brokerage services. It also facilitates reinsurance for property contracts, operates as an insurance agency, and offers specialized services like payment processing, merchant services, wire transfers, and private banking. Established in 1950, United Community Banks, Inc. maintains its corporate headquarters in Blairsville, Georgia.
UCBN Company Deck
UCBN Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed solid underlying operating performance: consistent margin expansion, accelerating organic loan growth driven by a meaningful increase in revenue producers, low credit losses, and stable capital and liquidity. Key negatives were largely transitory or one-time items — notably the California lender license settlement and the Navitas reserve release/sale dynamics — which introduce near-term timing and margin uncertainty but are expected to be offset over time by increased loan production and strategic actions (Peach State integration, expense rationalization, and potential capital deployment). Overall the positive operating momentum and strong credit/capital position outweigh the short-term items.View all DE:UCBN earnings summariesUCBN Stock 12 Month Forecast
Average Price Target
€33.75
▲(11.01% Upside)
Technical Analysis
Associated Banc-Corp
―
BancFirst
―
International Bancshares
―
Renasant
―
Texas Capital Bancshares
―