NYSE: UCB
United Community Banks Inc Stock

$29.84-1.28 (-4.11%)
Updated Jan 10, 2025
UCB Price
$29.84
Fair Value Price
N/A
Market Cap
$3.56B
52 Week Low
$24.04
52 Week High
$35.38
P/E
19.5x
P/B
1.04x
P/S
4.21x
PEG
0.47x
Dividend Yield
3.15%
Revenue
$827.44M
Earnings
$183.49M
Gross Margin
100%
Operating Margin
27.86%
Profit Margin
22.2%
Debt to Equity
7.04
Operating Cash Flow
$223M
Beta
1.18
Next Earnings
Jan 22, 2025
Ex-Dividend
N/A
Next Dividend
N/A

UCB Overview

United Community Banks, Inc. operates as the financial holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors. The company accepts various deposit products, including checking, savings, money market, and other deposit accounts. It also offers lending services, including real estate, consumer, and commercial loans, to individuals, small businesses, mid-sized commercial businesses, and non-profit organizations, as well as secured and unsecured, and mortgage loans. In addition, the company originate loans partially guaranteed by the SBA and USDA loan programs. Further, it provides wealth management services comprising financial planning, customized portfolio management, and investment advice; trust services to manage fiduciary assets; non-deposit investment products; and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities, as well as invests in residential and commercial mortgage-backed securities, asset-backed securities, the U.S. treasury, the U.S. agency, and municipal obligations. Additionally, the company offers reinsurance on a property insurance contract; insurance agency services; brokerage services; and payment processing, merchant, wire transfer, private banking, and other related financial services. It operates through a network of 171 branches in Florida, Georgia, North Carolina, South Carolina, and Tennessee. United Community Banks, Inc. was founded in 1950 and is headquartered in Blairsville, Georgia.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine UCB's potential to beat the market

DSell
  • Stocks with a Zen Rating of Sell (D) had an average loss of -4.50% per year. Learn More

Zen Rating Component Grades

C
Value
D
Growth
B
Momentum
C
Sentiment
C
Safety
C
Financials
A
Artificial Intelligence
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Bank

Industry Rating
D
UCB
Ranked
#275 of 337

Top Ranked Stocks in Industry

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UCB News

Overview

Due Diligence Score

Industry Average (33)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how UCB scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

UCB ($29.84) is trading above its intrinsic value of $29.05, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
UCB is good value based on its earnings relative to its share price (19.5x), compared to the US market average (30.06x)
P/E vs Market Valuation
UCB is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more UCB due diligence checks available for Premium users.

Valuation

UCB price to earnings (PE)

For valuing profitable companies with steady earnings

Company
19.5x
Industry
32.42x
Market
30.06x
UCB is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
UCB is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

UCB price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
1.04x
Industry
1.06x
UCB is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

UCB price to earnings growth (PEG)

For valuing profitable companies with growth potential

UCB is good value based... subscribe to Premium to read more.
PEG Value Valuation

UCB's financial health

Profit margin

Revenue
$202.8M
Net Income
$45.5M
Profit Margin
22.4%
UCB's Earnings (EBIT) of $230.55M... subscribe to Premium to read more.
Interest Coverage Financials
UCB's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$27.4B
Liabilities
$24.0B
Debt to equity
7.04
UCB's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
UCB's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$7.7M
Investing
-$63.2M
Financing
$232.6M
UCB's operating cash flow ($223.42M)... subscribe to Premium to read more.
Debt Coverage Financials

UCB vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
UCBD$3.56B+0.34%19.50x1.04x
EBCD$3.56B+0.54%7.12x0.97x
ASBC$3.52B+2.92%19.22x0.83x
FULTC$3.47B+2.36%11.91x1.08x
BANFC$3.67B+1.65%17.54x2.32x

United Community Banks Stock FAQ

What is United Community Banks's quote symbol?

(NYSE: UCB) United Community Banks trades on the NYSE under the ticker symbol UCB. United Community Banks stock quotes can also be displayed as NYSE: UCB.

If you're new to stock investing, here's how to buy United Community Banks stock.

What is the 52 week high and low for United Community Banks (NYSE: UCB)?

(NYSE: UCB) United Community Banks's 52-week high was $35.38, and its 52-week low was $24.04. It is currently -15.66% from its 52-week high and 24.13% from its 52-week low.

How much is United Community Banks stock worth today?

(NYSE: UCB) United Community Banks currently has 119,286,806 outstanding shares. With United Community Banks stock trading at $29.84 per share, the total value of United Community Banks stock (market capitalization) is $3.56B.

United Community Banks stock was originally listed at a price of $78.33 in Mar 21, 2002. If you had invested in United Community Banks stock at $78.33, your return over the last 22 years would have been -61.91%, for an annualized return of -4.29% (not including any dividends or dividend reinvestments).

How much is United Community Banks's stock price per share?

(NYSE: UCB) United Community Banks stock price per share is $29.84 today (as of Jan 10, 2025).

What is United Community Banks's Market Cap?

(NYSE: UCB) United Community Banks's market cap is $3.56B, as of Jan 14, 2025.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

United Community Banks's market cap is calculated by multiplying UCB's current stock price of $29.84 by UCB's total outstanding shares of 119,286,806.
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