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United Community Banks, Inc. (UCB)

Financial Services | Banks - Regional | Greenville, United States | NYSE
35.18 USD -0.05 (-0.142%) ⇩ (Aug. 28, 2026, 4 p.m. EDT)
After hours: 35.18

Short-term:★★⯪☆☆Long-term:★★★⯪☆Dividends:★★★☆☆
Hot Take | Aug. 22, 2026, 3:35 a.m. EDT

United Community Banks presents a compelling value story with improving fundamentals, though the immediate price trend remains flat. The stock trades at a discount to its fair value estimate, supported by a robust 24% revenue growth and a 47% jump in quarterly earnings, which suggests management is successfully navigating the regional banking landscape. The balance sheet appears healthy with a low payout ratio of 33%, leaving ample room for future dividend increases or share buybacks. However, the short-term outlook lacks a clear catalyst. Despite the positive earnings surprise, the stock price has been range-bound, failing to capitalize on the good news. The lack of significant options flow confirms that speculators are not positioning for a sharp move in either direction. While the long-term thesis is strengthened by the turnaround in profitability and growth, the absence of a technical breakout or aggressive institutional buying keeps the near-term rating neutral. Investors should view this as a solid accumulation zone rather than a momentum play.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.014636
AutoTheta0.015854
AutoARIMA0.018062
AutoETS0.018326

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 52%
H-stat 1.48
Ljung-Box p 0.000
Jarque-Bera p 0.169
Excess Kurtosis -0.18
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-09-14
Last Dividend Date 2026-06-14
Revenue per Share 9.149
Market Cap 4,241,846,272
Trailing P/E 11.50
Forward P/E 10.90
Beta 0.83
Profit Margins 34.09%
Website https://www.ucbi.com

As of Aug. 22, 2026, 3:35 a.m. EDT: Options activity is sparse and lacks directional conviction. Call volume is negligible across expirations, while put volume is similarly low. Open interest is scattered with no clear strike concentration suggesting a specific target price. Implied volatility is moderate (around 49-55%), indicating standard pricing without significant fear or greed driving premiums.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.75% 3.15% 3.30% 3.11%
Dividend History
Date Dividend Yield %
2026-06-15 0.250000 0.747384
2026-03-13 0.250000 0.835003
2025-12-15 0.250000 0.774473
2025-09-15 0.250000 0.788644
2025-06-13 0.240000 0.850159
2025-03-14 0.240000 0.842993
2024-12-16 0.240000 0.721805
2024-09-16 0.240000 0.822199
2024-06-14 0.230000 0.949628
2024-03-14 0.230000 0.922953
2023-12-14 0.230000 0.761337
2023-09-14 0.230000 0.883256
2023-06-14 0.230000 0.887688
2023-03-14 0.230000 0.846834
2022-12-14 0.220000 0.660661
2022-09-14 0.220000 0.671551
2022-06-14 0.210000 0.731962
2022-03-14 0.210000 0.555556
2021-12-14 0.200000 0.585480
2021-09-14 0.200000 0.706714
2021-06-14 0.190000 0.572462
2021-03-12 0.190000 0.521119
2020-12-14 0.180000 0.655738
2020-09-14 0.180000 1.014085
2020-06-12 0.180000 0.916497
2020-03-13 0.180000 0.929752
2019-12-13 0.180000 0.580833
2019-09-12 0.170000 0.617508
2019-06-13 0.170000 0.623167
2019-03-14 0.160000 0.607672
2018-12-13 0.160000 0.707651
2018-09-13 0.150000 0.523013
2018-06-14 0.150000 0.452762
2018-03-14 0.120000 0.368550
2017-12-14 0.100000 0.365898
2017-09-14 0.100000 0.388500
2017-06-13 0.090000 0.320856
2017-03-13 0.090000 0.309704
2016-12-13 0.080000 0.272851
2016-09-13 0.080000 0.388161
2016-06-13 0.070000 0.369393
2016-03-11 0.070000 0.382514
2015-12-11 0.060000 0.318134
2015-09-11 0.060000 0.300000
2015-06-11 0.050000 0.256937
2015-03-11 0.050000 0.263992
2014-12-11 0.050000 0.280112
2014-09-12 0.030000 0.163845
2014-06-12 0.030000 0.187617
2008-06-12 0.436403 0.881489
2008-03-12 0.436403 0.578406
2007-12-12 0.436403 0.519631
2007-09-12 0.436403 0.380068
2007-06-13 0.436403 0.327273
2007-03-13 0.436403 0.267539
2006-12-13 0.387914 0.249299
2006-09-13 0.387914 0.260756
2006-06-13 0.387914 0.273598
2006-03-13 0.387914 0.296626
2005-12-13 0.339424 0.254638
2005-09-13 0.339424 0.255941
2005-06-13 0.339424 0.281803
2005-03-11 0.339424 0.295358
2004-12-13 0.290935 0.208986
2004-09-13 0.290935 0.249584
2004-06-14 0.290935 0.262467
2004-03-11 0.290935 0.280723
2003-12-11 0.242446 0.220588
2003-09-11 0.242446 0.276243
2003-06-12 0.242446 0.289017
2003-03-12 0.242446 0.319149
2002-12-26 0.096978 0.115874
2002-12-12 0.203655 0.244756
2002-09-12 0.203655 0.249604
2002-06-12 0.203655 0.228261
Additional Data
dividendRate 1.04
dividendYield 2.95
exDividendDate 2026-09-15
trailingAnnualDividendRate 1.0
trailingAnnualDividendYield 0.0283849
lastDividendValue 0.25
lastDividendDate 2026-06-15
dividendDate 2026-10-05

Info Dump

Attribute Value
52 Week Change 0.064350486
Address1 200 East Camperdown Way
All Time High 169.6152
All Time Low 5.5
Ask 36.0
Ask Size 300
Audit Risk 1
Average Analyst Rating 2.3 - Buy
Average Daily Volume10 Day 718,750
Average Daily Volume3 Month 978,996
Average Volume 978,996
Average Volume10Days 718,750
Beta 0.833
Bid 33.55
Bid Size 200
Board Risk 4
Book Value 30.536
City Greenville
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 1
Country United States
Crypto Tradeable 0
Currency USD
Current Price 35.18
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 35.6
Day Low 35.13
Display Name United Community Banks
Dividend Date 1,791,158,400
Dividend Rate 1.04
Dividend Yield 2.95
Earnings Call Timestamp End 1,784,638,800
Earnings Call Timestamp Start 1,784,638,800
Earnings Growth 0.508
Earnings Quarterly Growth 0.469
Earnings Timestamp 1,784,637,000
Earnings Timestamp End 1,792,585,800
Earnings Timestamp Start 1,792,585,800
Ebitda Margins 0.0
Enterprise To Revenue 4.421
Enterprise Value 4,900,389,376
Eps Current Year 2.91833
Eps Forward 3.22714
Eps Trailing Twelve Months 3.06
Esg Populated 0
Ex Dividend Date 1,789,430,400
Exchange NYQ
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 35.449
Fifty Day Average Change -0.269001
Fifty Day Average Change Percent -0.0075883945
Fifty Two Week Change Percent 6.4350486
Fifty Two Week High 37.18
Fifty Two Week High Change -2.0
Fifty Two Week High Change Percent -0.05379236
Fifty Two Week Low 28.65
Fifty Two Week Low Change 6.5300007
Fifty Two Week Low Change Percent 0.22792324
Fifty Two Week Range 28.65 - 37.18
Financial Currency USD
First Trade Date Milliseconds 1,016,721,000,000
Five Year Avg Dividend Yield 2.96
Float Shares 119,919,572
Forward Eps 3.22714
Forward P E 10.901294
Full Exchange Name NYSE
Full Time Employees 3,141
Fullday Change -0.0499992
Fullday Change Percent -0.141922
Fullday Price 35.18
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,785,542,400
Gross Margins 0.0
Gross Profits 1,108,407,040
Has Pre Post Market Data 1
Held Percent Insiders 0.00428
Held Percent Institutions 0.89468
Implied Shares Outstanding 120,575,503
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,781,481,600
Last Dividend Value 0.25
Last Fiscal Year End 1,767,139,200
Last Split Date 1,308,528,000
Last Split Factor 1:5
Long Business Summary United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts. It also provides loans comprising owner occupied and income producing CRE, commercial and industrial, equipment financing, residential mortgage, home equity, manufactured housing, and consumer loans, as well as commercial and residential construction and land. In addition, the company offers private banking, investment management, investment advice, financial planning services, estate and retirement planning, and insurance products; non-deposit investment products and insurance products, such as life insurance, long-term care insurance and tax-deferred annuities; and trust services to manage fiduciary assets. Further, it provides reinsurance on property insurance contracts and payment processing services for commercial and small business customers. The company serves the commercial, retail, government, education, energy, health care, and real estate sectors. United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina.
Long Name United Community Banks, Inc.
Market us_market
Market Cap 4,241,846,272
Market State CLOSED
Max Age 86,400
Message Board Id finmb_667035
Most Recent Quarter 1,782,777,600
Net Income To Common 370,651,008
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 4,247,874,970
Number Of Analyst Opinions 6
Open 35.39
Operating Cashflow 388,476,000
Operating Margins 0.50902003
Overall Risk 2
Payout Ratio 0.3268
Peg Ratio 1.67
Phone 800 822 2651
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 35.18
Post Market Time 1,787,951,100
Previous Close 35.23
Price Eps Current Year 12.05484
Price Hint 2
Price To Book 1.1520828
Price To Sales Trailing12 Months 3.826975
Profit Margins 0.34092
Quote Source Name Delayed Quote
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.28571
Region US
Regular Market Change -0.0499992
Regular Market Change Percent -0.141922
Regular Market Day High 35.6
Regular Market Day Low 35.13
Regular Market Day Range 35.13 - 35.6
Regular Market Open 35.39
Regular Market Previous Close 35.23
Regular Market Price 35.18
Regular Market Time 1,787,947,203
Regular Market Volume 682,004
Return On Assets 0.01323
Return On Equity 0.10271
Revenue Growth 0.244
Revenue Per Share 9.149
Sand P52 Week Change 0.20504117
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 3
Shares Outstanding 120,575,503
Shares Percent Shares Out 0.0363
Shares Short 4,380,104
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 4,040,731
Short Name United Community Banks, Inc.
Short Percent Of Float 0.049000002
Short Ratio 4.75
Source Interval 15
State SC
Symbol UCB
Target High Price 40.0
Target Low Price 37.0
Target Mean Price 39.16667
Target Median Price 40.0
Total Cash 573,592,000
Total Cash Per Share 4.757
Total Debt 1,232,135,040
Total Revenue 1,108,407,040
Tradeable 0
Trailing Annual Dividend Rate 1.0
Trailing Annual Dividend Yield 0.0283849
Trailing Eps 3.06
Trailing P E 11.496733
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 33.33575
Two Hundred Day Average Change 1.8442497
Two Hundred Day Average Change Percent 0.05532348
Type Disp Equity
Volume 682,004
Website https://www.ucbi.com
Zip 29,601