# United Community Banks Inc. (UCB) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Banks. Price $37.04, market value $4.4 billion.

## Valuation
- **P/E (trailing): 12.1×** (5-yr avg 13.4×, 3-yr avg 14.8×). United Community Banks Inc. trades at 12.1× trailing earnings, close to its own five-year average of 13.4×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.7×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.38**. A PEG of 0.38 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 4.0×**. Each dollar of revenue is priced at 4.0×.
- **Price / book: 1.3×**. The shares trade at 1.3× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 8.1%** (5-yr avg 10.9%). Free cash flow equals 8.1% of the market value, below its five-year average of 10.9%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.3%**. The inverse of the P/E: 8.3% of the price is earned each year.

## Profitability
- **Net margin: 30.9%**. 30.9% of each dollar of sales reaches the bottom line.
- **Return on equity: 9.0%**. 9.0% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 1.3%**. Each dollar of assets produces 1.3% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 11.7%** (3-yr 8.8%/yr, 5-yr 13.0%/yr). Revenue grew 11.7% over the last year, against 13.0% a year compounded over five years.
- **EPS growth (1 yr): 28.4%** (3-yr 1.3%/yr, 5-yr 6.5%/yr). Earnings per share rose 28.4%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -14.2%/yr**. Free cash flow has compounded at -14.2% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 2.81%** ($1.01 per share, trailing). United Community Banks Inc. yields 2.81%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 36%** (34% of free cash flow). 36% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 12**. 12 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 6.4%/yr** (1-yr 4.3%). The dividend has grown 6.4% a year over five years.

## Analyst view
- **Analyst consensus: buy** (6 analysts). 6 analysts cover United Community Banks Inc.; the consensus is buy, with an average price target of $40.88 (+10% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 31.9%** (YTD 22.5%, 3-mo 5.1%). The shares are up 31.9% over twelve months including dividends.
- **From 52-week high: -2.3%** (28.7% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 68**. An RSI of 68 is neutral.
- **Beta (1 yr): 0.54** (volatility 24%). Beta of 0.54 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=UCB · Page: https://foliofundamentals.com/stocks/ucb

Not investment advice.