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UCBUnited Community Banks, Inc.
$35.30$4.2B
Overview & Verdict
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UCB logoUnited Community Banks, Inc.(UCB)Earnings, Financials & Key Ratios

UCB•NYSE•Banking & Credit
$35.30
13.5× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutUnited 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. It accepts various deposit products, including checking, savings, money market, and other deposit accounts. The company 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, it originates loans partially guaranteed by the SBA and USDA loan programs. Further, the company 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, it offers reinsurance on a property insurance contract; insurance agency services; treasury management; credit cards; payment and commerce solution, equipment finance, investment advisory, and other related financial services; brokerage services; and payment processing, merchant, wire transfer, private banking, and other related financial services. The company was founded in 1950 and is headquartered in Blairsville, Georgia.Show more
  • Net Interest Income$909M+9.9%
  • Total Revenue$1.54B+3.8%
  • Net Income$328M+30.0%
  • Return on Equity9.28%+23.1%
  • Net Interest Margin3.25%+8.8%
  • Efficiency Ratio38.51%+2.5%
  • ROA1.18%+28.4%
  • Equity / Assets12.99%+4.9%
  • Book Value per Share29.87+4.4%

UCB Price & Volume

United Community Banks, Inc. (UCB) stock price & volume — 10-year historical chart

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Securities Portfolio Rotation Supports Net Interest Recovery

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:CRE Concentration and Funding

Key Thesis Takeaways

  • United Community Banks has successfully navigated interest rate volatility, evidenced by a 9.8% year-over-year growth in net interest income as of 2026Q1.
  • While the bank maintains a stable capital position with an equity-to-assets ratio of 0.13, investors should monitor the rising efficiency ratio, which climbed to 41.6% in 2026Q1, as it may signal pressure on core profitability.
  • The bank's heavy reliance on a $25.4 billion investment securities portfolio for liquidity management warrants caution regarding potential duration risk in a higher-for-longer rate environment.

Verdict Logic

while the bank shows a recovery in net interest income growth of 9.8% year-over-year, the elevated efficiency ratio of 41.6% and significant concentration in investment securities suggest potential headwinds to future margin expansion.

UCB Growth Metrics

United Community Banks, Inc. (UCB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years15.91%
5 Years17.18%
3 Years18.28%
TTM-

Profit CAGR

10 Years16.45%
5 Years14.87%
3 Years5.75%
TTM30.57%

EPS CAGR

10 Years9.17%
5 Years6.53%
3 Years1.31%
TTM29.38%

Return on Capital

10 Years9.56%
5 Years8.61%
3 Years5.62%
Last Year2.64%

UCB Recent Earnings

United Community Banks, Inc. (UCB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Apr 21, 2026
Metric
Actual
Est
EPS
$0.70+0.0%
$0.70
Rev
$277M+1.0%
$274M
Q1 2026
Jan 14, 2026
Metric
Actual
Est
EPS
$0.71-2.7%
$0.73
Rev
$278M+1.8%
$274M
Q4 2025
Oct 22, 2025
Metric
Actual
Est
EPS
$0.75+7.8%
$0.70
Rev
$277M+2.2%
$271M
Q3 2025
Jul 23, 2025
Metric
Actual
Est
EPS
$0.66+6.5%
$0.62
Rev
$254M-6.2%
$271M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 21, 2026
$0.70vs $0.70+0.0%
$277Mvs $274M+1.0%
Q1 2026Jan 14, 2026
$0.71vs $0.73-2.7%
$278Mvs $274M+1.8%
Q4 2025Oct 22, 2025
$0.75vs $0.70+7.8%
$277Mvs $271M+2.2%
Q3 2025Jul 23, 2025
$0.66vs $0.62+6.5%
$254Mvs $271M-6.2%
Based on last 12 quarters of dataView full earnings history →

Latest UCB News

Recent stock market news and headlines for United Community Banks, Inc. (UCB)

GlobeNewsWire·Jun 30, 2026
United Community Banks, Inc. Announces Date for Second Quarter 2026 Earnings Release and Conference Call

GREENVILLE, S.C., June 30, 2026 (GLOBE NEWSWIRE) -- United Community Banks, Inc. (NYSE: UCB) announces it will release its second quarter 2026 financial results on Tuesday, July 21, 2026, before the stock market opens. The company also will hold a conference call at 9:00 a.m. EDT on Tuesday, July 21, 2026, to discuss its financial results, business highlights, and outlook.

PRNewsWire·Jun 17, 2026
UCB Announces Publication of Data in Brain Communications Demonstrating Positive Impact of KYGEVVI® (doxecitine and doxribtimine) in Patients with Thymidine Kinase 2 Deficiency (TK2d)

Data indicate that KYGEVVI therapy improved survival and functional outcomes in people with TK2d.1 Additional data from the largest pool of information on TK2d illustrates the impact and burden of disease progression2 and highlights the benefits of early diagnosis.3 ATLANTA, June 17, 2026 /PRNewswire/ -- UCB, a global biopharmaceutical company, today announced the publication of two manuscripts in Brain Communications. One manuscript reports integrated safety and efficacy findings for KYGEVVI® (doxecitine and doxribtimine), the first and only approved treatment for adults and pediatric patients with early-onset thymidine kinase 2 deficiency (TK2d) with a symptom onset on or before 12 years of age, demonstrating improved survival and functional outcomes in treated patients, along with acceptable tolerability.1 A second manuscript features findings from the largest published dataset of untreated patients with TK2d, illustrating the progressive burden of disease and increased risk of early death, thus reinforcing the importance of timely diagnosis and treatment.2 "TK2d can have a devastating impact on patients and families if left untreated, which the data compiled and published in Brain Communications confirm," said Caterina Garone, Associate Professor of Medical Genetics, University of Bologna, Italy, and co-author of both studies.

Peers Comparison

Key metrics vs top competitors for United Community Banks, Inc. (UCB)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
UCB logoUCBUnited Community Banks, Inc.Current
$35.30$4.23B13.473.82%21.35%9.28%2.76%
SFNC logoSFNCSimmons First National Corporation
$22.75$3.3B-7.71-56.66%-63.53%-10.51%—
HOMB logoHOMBHome Bancshares, Inc.
$28.66$5.77B11.89-5.35%34.84%11.29%—
SRCE logoSRCE1st Source Corporation
$81.71$1.99B12.655.2%27.72%12.39%—
GABC logoGABCGerman American Bancorp, Inc.
$47.66$1.79B15.5854.54%27.09%11.95%—
CBSH logoCBSHCommerce Bancshares, Inc.
$58.84$8.58B14.422.23%26.11%14.78%—

Compare UCB vs Peers

United Community Banks, Inc. (UCB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SFNC

Most directly comparable listed peer for UCB.

Scale Benchmark

vs ICE

Larger-name benchmark to compare UCB against a more recognizable public peer.

Peer Set

Compare Top 5

vs SFNC, HOMB, SRCE, GABC

UCB SEC Filings & Documents

United Community Banks, Inc. (UCB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jun 12, 2026·SEC

Material company update

May 15, 2026·SEC

Material company update

Apr 28, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 17, 2026·SEC

FY 2025

Feb 27, 2025·SEC

FY 2024

Feb 23, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 6, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

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UCB Frequently Asked Questions

United Community Banks, Inc. (UCB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is United Community Banks, Inc. growing?

United Community Banks, Inc. (UCB) grew revenue by 3.8% over the past year. Growth has been modest.

Is UCB profitable?

Yes, United Community Banks, Inc. (UCB) is profitable, generating $341.0M in net income for fiscal year 2025 (21.4% net margin).

Dividend & Returns
Does UCB pay dividends?

Yes, United Community Banks, Inc. (UCB) pays a dividend with a yield of 2.76%. This makes it attractive for income-focused investors.

What is UCB's return on equity?

United Community Banks, Inc. (UCB) has a return on equity (ROE) of 9.3%. This is below average, suggesting room for improvement.

Industry Metrics
What is United Community Banks, Inc.'s net interest margin?

United Community Banks, Inc. (UCB) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.

What is United Community Banks, Inc.'s efficiency ratio?

United Community Banks, Inc. (UCB) has an efficiency ratio of 38.5%. This is excellent, indicating strong cost control.

What if you invested $1,000 in UCB back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →