United Community Banks Inc (UCB) stock
Close on Nov 11, 2026Market cap $4.51BP/E 31.7Yield 2.62%
United Community Banks Inc saw revenue fall 20.6% to $822.21M over the twelve months to Sep 30, 2026. Free cash flow was $403.79M, down 8.1% from a year earlier. At the latest close the market valued the company at $4.51B, 31.7 times its earnings.
Key statistics
Valuation at the latest close; fundamentals over the trailing twelve months, balances at Sep 30, 2026
Valuation
- Market cap
- $4.51B
- P/E ratio
- 31.7
- Price to sales
- 5.49
- Price to book
- 1.29
- Dividend yield
- 2.62%
- Free cash flow yield
- 8.94%
Fundamentals
- Revenue
- $822.21M
- Net income
- $146.64M
- EPS, diluted
- $1.18
- Free cash flow
- $403.79M
- Book value per share
- $29.12
- Diluted shares
- 120M
Trading
- Next earnings
- Jan 13, 2027 (estimated, before the open)
- Previous close
- $37.42
- Open
- $37.26
- Day's range
- $37.11 – $37.48
- Volume
- 787,962
- Average volume (20 days)
- 1,095,563
- Index membership
- S&P SmallCap 600, Russell 2000, Russell 3000
- Beta (5 years)
- 0.82
- 52-week range
- $28.82 – $38.63
- RSI (14 days)
- 61.4
- Volatility (1 year)
- 23.8%
- Relative volume
- 0.86×
- WACC
- 9.0%
Index membership is inferred from the holdings of funds that track each index (SPSM, IJR, IWM, IWV), as reported to the SEC for Jun 30, 2026. Join dates come from quarterly fund reports since 2019, so they are accurate to the quarter.
Market cap history
Month-end market cap since 2010, using shares outstanding reported at the time
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 11, 2026. The S&P 500 is measured by the SPY fund.
| Period | UCB | S&P 500 | Difference | UCB per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +12.2% | -2.4% | +14.6 pts | ||
| 3 months | +4.4% | -1.2% | +5.5 pts | ||
| Year to date | +22.7% | +12.3% | +10.4 pts | ||
| 1 year | +27.5% | +12.4% | +15.1 pts | ||
| 3 years | +79.5% | +78.8% | +0.7 pts | +21.5% | +21.4% |
| 5 years | +19.5% | +75.2% | −55.6 pts | +3.6% | +11.9% |
| 10 years | +97.2% | +311.1% | −213.9 pts | +7.0% | +15.2% |
Fifteen years at a glance
Fiscal years 2011 to 2025 and trailing twelve months, USD
Revenue
Net income
EPS, diluted
Free cash flow
Press releases
Releases United Community Banks filed with the SEC as exhibits to Form 8-K or 6-K
- Results
- Results
- Update
- Update
- Update
- News
About United Community Banks
State Commercial Banks
United Community Banks, Inc. is a financial holding company that delivers diverse banking and financial services primarily via its principal subsidiary, United Community Bank. The company provides a comprehensive suite of commercial and retail deposit and lending solutions, including secured and unsecured credit, residential mortgages, and national SBA, USDA, and equipment financing. Additional offerings include private banking, wealth management, fiduciary trust services, investment advisory, insurance products, payment processing, and property reinsurance. These offerings serve retail consumers, small and mid-sized enterprises, non-profit entities, and commercial organizations across sectors such as health care, education, real estate, energy, and government.
Company profile, executives and historyUnited Community Banks stock: common questions
What is United Community Banks's stock price?
UCB closed at $37.44 on Nov 11, 2026, up 0.05% on the day. Over the past 52 weeks it traded between $28.82 and $38.63.
What is United Community Banks's market cap?
United Community Banks was worth $4.51B at the close on Nov 11, 2026: the share price times the diluted shares outstanding.
What is UCB's P/E ratio?
UCB trades at 31.7 times earnings, based on diluted earnings per share of $1.18 over the twelve months to Sep 30, 2026.
How much revenue does United Community Banks make?
United Community Banks reported revenue of $822.21M for the twelve months to Sep 30, 2026, down 20.6% from a year earlier.
Does United Community Banks pay a dividend?
Yes. United Community Banks paid $0.98 per share over the last twelve months, a yield of 2.62% at the latest price, and has raised its annual dividend 11 years in a row.
When does United Community Banks report earnings next?
United Community Banks is expected to report Q4 FY2026 results on Jan 13, 2027, before the open. The date is estimated from its past reporting pattern until the company confirms it.
How has UCB stock performed over the past year?
Including dividends, UCB returned +27.5% over the past year, against +12.4% for the S&P 500.
How many UCB shares are sold short?
6M shares were sold short at the latest FINRA report, 4.78% of the float, or 4.5 days of average trading volume.
Who are United Community Banks's competitors?
Companies most similar to United Community Banks by business, industry and size include ABCB, UBSI, RNST, AUB, SSB.
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