United Community Banks stock
UCBNYSEUnited Community Banks, Inc., Financial ServicesISIN US90984P3038
59Score 59 out of 100, Neutral
Price and trend
84 / 100
Price history
+24% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 9.5% above it.
Since August 2025 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 52).
The price is at its 52-week high. Largest decline in 20 years: 96% (March 2007 to November 2010).
Chart figures for advanced users
- SMA 50$35.18
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$34.20
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)52
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$28.94
- The lowest closing price of the last twelve months.
- Resistance$37.66
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- United Community Banks, Inc. belongs to the Banks (Regional) industry (United States) and, with a market value of $4.48B, is number 182 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $1.06B (up 14.3% year on year) and earnings of $328.15M (up 30%).
- For fiscal 2026, analysts expect on average revenue of $1.13B (up 6.7%) and adjusted earnings per share of $3.02 (up 11.6%).
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- MEQIRI Score 59 out of 100 (Neutral): rank 754 of 976 in Financial Services, median 68.
- Our model puts fair value at $46.38, with the price 19% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 67
- Reliable dividendNo dividend cut for 12 years.
- Below fair valuePrice 19% below the fair value of $46.38.Valuation 84
Weaknesses
- DilutionShare count up 46% since 2020.Capital allocation 28
- Low return on equityReturn on equity 4% over the last 12 months.Profitability 25
Its standout strengths are stability and valuation, while capital allocation and profitability hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 58 to 59.
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What lowers it
- calm price action
- price near its 52-week high
Valuation
Valuation signal
Significantly undervaluedIn our model the price counts as cheap below $38.65 and expensive above $57.98 (uncertainty low, based on the price swings of the past year).
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $38.65, at 7.8% it would be $57.98.
Valuation metrics
From the excess return model alone; the profit includes one-off items, so there is no industry value.
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue fell 6.2% on the twelve months before. Up to 2021 the bars include businesses that were later spun off or sold. On a comparable basis, as restated in the SEC annual reports, revenue grew 10.6% a year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 40%, net 31%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net 15%.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 13 Jan 2027in 62 days
- Last reported
- 20 Oct 2026EPS reported $0.77 (expected $0.77)in line with expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $3.02+0.9%
- Revenue
- $1.13B+1.3%
- Earnings per share
- $3.45+2.9%
- Revenue
- $1.2B+2.5%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: −2.9%No new numerical outlook; management expects growth to keep accelerating through the rest of the year.
The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 21 Jul 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
One insider bought on the open market in the last 6 months, $74,270 in total. 2 insiders sold, $985,211 in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Bradshaw RichardSale
26 Oct 2026, EVP, Chief Banking Officer
- Shares
- 1,345
- Price
- $37.17
- Value
- $49,993
- Carande Carl StevenPurchase
10 Aug 2026, Board
- Shares
- 2,101
- Price
- $35.35
- Value
- $74,270
- Harralson Jefferson LSale
28 Jul 2026, EVP, CFO
- Shares
- 25,000
- Price
- $35.41
- Value
- $885,250
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- Bradshaw RichardSale
27 Jul 2026, EVP, Chief Banking Officer
- Shares
- 1,424
- Price
- $35.09
- Value
- $49,968
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at United Community Banks
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 59
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- Grupo Aval Acciones y ValoresAVAL $5B53
- TFS FinancialTFSL $4.62B54
- Fulton FinancialFULT $4.59B73
- ServisFirst BancsharesSFBS $4.5B76
- Cathay General BancorpCATY $4.37B77
- First Financial BanksharesFFIN $4.34B67
- Flagstar FinancialFLG $4.34B33
- MONETA Money Bank, a.s.MONET.PR $4.33B76
ETFs that hold United Community Banks
Held by 14 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares S&P SmallCap 600 UCITS ETFIUS3 | 0.25% | 0.30% | €2.28B |
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.20% | 0.39% | €1.47B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.15% | 0.30% | €2.17B |
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| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.15% | 0.30% | €4.22B |
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.14% | 0.30% | €185.82M |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.13% | 0.30% | €944.34M |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.04% | 0.43% | €2.48B |
| State Street SPDR MSCI World Small Cap UCITS ETF (Acc)ZPRS | 0.04% | 0.45% | €1.53B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 21 Oct 2026)
- Valuation signal Undervalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.