United Community Banks Inc (UCB) stock
UCBNYSEState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 4, 2026Score 9/3051% above fair value
$37.32+0.05 (+0.13%)
Close on Nov 13, 2026Market cap $4.50BP/E 31.6Yield 2.63%
United Community Banks statistics
96 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 13, 2027 (estimated, before the open)
- Last ex-dividend date
- Sep 15, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.81
- 1.52
- P/OCF Ratio
- 10.31
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 4.52
- 2.95
- EV / FCF
- 9.21
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- -0.11%
- 0.33%
- Shares Change (QoQ)
- 0.05%
- 0.00%
- Float
- 120M
- 17M
- Shares Held by Insiders
- 0.72%
- 6.05%
- Shares Held by Institutions
- 87.3%
- 61.3%
Short sellingIndustry
- Short Interest
- 6M
- –
- Short Interest Change
- 4.45%
- -4.13%
- Short % of Float
- 4.78%
- 3.58%
- Short % of Shares Outstanding
- 4.75%
- 3.18%
- Days to Cover
- 4.54
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $38.63
- –
- 52-Week Low
- $28.82
- –
- 20-Day Moving Average
- $36.84
- –
- 50-Day Moving Average
- $35.27
- –
- 200-Day Moving Average
- $34.23
- –
- Average True Range (14)
- $0.78
- –
- Price Change (1 Week)
- 0.89%
- 0.69%
- Price Change (1 Month)
- 9.60%
- 3.79%
- Price Change (3 Months)
- 1.88%
- -2.72%
- Price Change (6 Months)
- 16.4%
- 12.2%
- Price Change (YTD)
- 19.5%
- 19.9%
- Price Change (1 Year)
- 23.9%
- 25.7%
- Price Change (3 Years)
- 50.4%
- 65.1%
- Price Change (5 Years)
- 3.01%
- 26.9%
- Price Change (10 Years)
- 45.9%
- 66.8%
- Average Volume (10 Days)
- 815,203
- –
- Average Volume (20 Days)
- 1M
- –
- Average Volume (90 Days)
- 913,214
- –
- Relative Volume
- 0.74
- 0.68
- Relative Strength Index (14)
- 59.9
- 53.1
- Volatility (1 Year)
- 23.8%
- 24.4%
- Beta (5 Years)
- 0.82
- 0.63
MarginsIndustry
- Pretax Margin
- 22.6%
- 37.0%
- FCF Margin
- 49.1%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 4.13%
- 10.7%
- Return on Assets (ROA)
- 0.51%
- 1.16%
Financial positionIndustry
- Debt / Equity
- 0.00
- 0.21
- Debt / FCF
- 0.00
- 1.48
GrowthIndustry
- Revenue Growth (YoY)
- -20.6%
- 11.7%
- Net Income Growth (YoY)
- -53.8%
- 22.6%
- EPS Growth (YoY)
- -53.2%
- 21.6%
- FCF Growth (YoY)
- -8.08%
- 27.2%
- Revenue Growth (3Y CAGR)
- 8.77%
- 5.82%
- Revenue Growth (5Y CAGR)
- 13.0%
- 6.17%
- EPS Growth (3Y CAGR)
- 1.31%
- 1.31%
- EPS Growth (5Y CAGR)
- 6.53%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.03
- 0.04
- Revenue Per Employee
- $267.82K
- $358.92K
- Profits Per Employee
- $47.76K
- $110.51K
- Employee Count
- 3,070
- 492
- WACC
- 9.22%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $185.98M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $781.61M
- $165.09M
- Net Cash Per Share
- $6.48
- $8.07
- Equity (Book Value)
- $3.51B
- $570.13M
- Book Value Per Share
- $29.09
- $28.12
- Tangible Book Value
- $2.48B
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$32.57M
- -$4.24M
- FCF Per Share
- $3.35
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 3.26%
- 8.29%
- FCF Yield
- 8.97%
- 9.18%
- Dividend Yield
- 2.63%
- 2.44%
- Buyback Yield
- 2.61%
- 1.82%
- Shareholder Yield
- 5.24%
- 3.26%
- Dividend Per Share
- $0.98
- $0.92
- Dividend Growth (YoY)
- 4.26%
- 4.26%
- Years of Dividend Growth
- 11
- 2
- Payout Ratio
- 83.3%
- 28.5%
- FCF Payout Ratio
- 30.3%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $39.34M
- $16.14M
- Effective Tax Rate
- 21.2%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $27.79
- $45.07
- Graham Upside
- -25.5%
- 18.8%
- Altman Z-Score
- 0.18
- 0.22
- Piotroski F-Score
- 6
- 6
- Lynch Fair Value
- $7.70
- –
- Lynch Upside
- -79.4%
- -0.43%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 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 | +11.8% | -3.0% | +14.9 pts | ||
| 3 months | +2.3% | -2.8% | +5.1 pts | ||
| Year to date | +22.3% | +11.5% | +10.8 pts | ||
| 1 year | +28.4% | +13.5% | +14.9 pts | ||
| 3 years | +77.6% | +77.7% | −0.1 pts | +21.1% | +21.1% |
| 5 years | +20.3% | +72.6% | −52.3 pts | +3.8% | +11.5% |
| 10 years | +96.6% | +308.2% | −211.6 pts | +7.0% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
6M UCB shares were sold short on Oct 30, 2026, up 4.5% from the previous report, or 4.78% of the shares available to trade. At recent volumes it would take 4.5 days to buy them back. Over the last 20 sessions, 64.0% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 5,727,232 | +4.5% | 1,260,243 | 4.5 |
| Oct 15, 2026 | 5,483,044 | +1.9% | 993,331 | 5.5 |
| Sep 30, 2026 | 5,378,493 | +4.5% | 916,964 | 5.9 |
| Sep 15, 2026 | 5,144,873 | +14.9% | 765,690 | 6.7 |
| Aug 31, 2026 | 4,478,252 | +2.2% | 697,734 | 6.4 |
| Aug 14, 2026 | 4,380,104 | +13.2% | 755,399 | 5.8 |
| Jul 31, 2026 | 3,870,393 | -4.2% | 1,089,994 | 3.5 |
| Jul 15, 2026 | 4,040,731 | -9.9% | 841,241 | 4.8 |
| Jun 30, 2026 | 4,485,345 | +4.8% | 1,383,257 | 3.2 |
| Jun 15, 2026 | 4,278,100 | +12.1% | 1,034,745 | 4.1 |
| May 29, 2026 | 3,815,834 | +2.6% | 613,683 | 6.2 |
| May 15, 2026 | 3,719,602 | -2.2% | 609,782 | 6.1 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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