United Community Banks (UCBN) Stock Price & Analysis
UCBN Stock Chart & Stats
- Day’s Range
- EUR 33.20 - EUR 33.20
- 52-Week Range
- EUR 24.80 - EUR 33.20
- Previous Close
- EUR 32.80
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- EUR 3.94B
- Enterprise Value
- EUR 3.93B
- Total Cash (Recent Filing)
- EUR 7.42B
- Total Debt (Recent Filing)
- EUR 39.69M
- Price to Earnings (P/E)
- 30.9
- Beta
- 0.57
- Next Earnings
- Jan 19, 2027 (Est.)
- EPS Estimate
- 0.74
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 2.62%
Bulls Say, Bears Say
Bulls Say
Core Banking Growth
Broad growth across loans, deposits, and production indicates improving franchise momentum rather than reliance on a single revenue stream. Continued relationship expansion can support recurring net interest income, deepen customer ties, and provide a durable base for organic growth over the next several quarters.
Balance-Sheet Simplification
Exiting Navitas and shortening securities duration concentrates resources on the core relationship-banking franchise while reducing credit and interest-rate exposure. The repositioning also improves portfolio yields and flexibility, supporting more resilient earnings and capital deployment over time.
Improving Profitability
Improved revenue, margins, and returns show stronger current earnings power and better use of the capital base. If operating performance remains supported by loan and deposit growth, the higher profitability can strengthen internal capital generation and fund continued investment in the franchise.
Bears Say
Lower Capital Ratios
Although management describes capital as strong relative to peers, the decline in tangible equity and CET1 reduces the buffer available for unexpected credit losses or further balance-sheet expansion. Lower ratios may also constrain acquisition capacity, lending growth, or shareholder distributions if conditions weaken.
Higher Funding Costs
Rising deposit costs directly pressure the spread between asset yields and funding expenses, making net interest income more sensitive to competitive pricing. Persistent funding-cost pressure could limit margin expansion and reduce how much of loan growth translates into durable earnings growth.
Mortgage Decline
Expected mortgage contraction creates a sustained headwind for fee income and related operating leverage over the coming quarters. Lower volumes may weaken the contribution from mortgage banking even as core lending grows, leaving the company more dependent on spread income and other banking fees.
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United Community Banks Stock Smart Score
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.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Herbert Lynn Harton
- Employees
- 3,070
- Website
- www.ucbi.com
- Address
- 200 E Camperdown Way, Greenville, SC, 29601, US
United Community Banks (UCBN) Earnings & Revenues
UCBN Company Deck
UCBN Earnings Call
Earnings Call SentimentPositive
The call was strongly constructive. Management reported improved earnings, 10% annualized core loan growth, solid deposit growth, stable net interest margin, strong credit quality, enhanced asset sensitivity, and substantial liquidity and capital flexibility. The company also provided higher fourth-quarter EPS and margin expectations and reiterated its high single-digit organic growth objective. The main negative items were lower GAAP non-interest income, increased deposit costs, reduced capital ratios following strategic actions, expected mortgage declines, prior loan-pricing compression, and potential future pressure on commercial real estate activity if rates rise materially. Overall, the highlights significantly outweighed the lowlights.
View all DE:UCBN earnings summariesUCBN Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 2 | 4 |
| Technical Analysis | 3 | 2 | 4 |
| Moving Averages | 12 | 0 | 0 |
