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UCB
$33.52+0.19 (+0.57%)
Market ClosedLast close May 1
United Community Banks, Inc.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
United Community Banks, Inc. in the Financial Services sector is trading at $33.52. The stock is currently 9% below its 52-week high of $36.77, remaining 6.1% above its 200-day moving average. Technical signals show neutral RSI of 45 and bearish MACD signal, explaining why UCB maintains its current momentum and trend strength. The Whystock Score of 70/100 reflects a high-conviction bullish alignment.
Ecosystem Influences
Neutral momentum (RSI 45) — price action in range
Long-term trend bullish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$33.52
Potential Upside
58.6%
Whystock Fair Value$53.18
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Analyst Consensus6 analysts
Buy
Mean target$38.00+13.4%
Range$36.00 – $40.00
Fundamentals
United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accou...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$4.02B
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
12.29
Beta
Defensive asset. Lower volatility than the S&P 500.
0.84
Div Yield
Strong income play. Yield provides a meaningful total return floor.
304.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
7.51%
Volume
Today's trading volume
382,187
Recent News
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Over the last 7 days, the United States market has remained flat, yet it is up 28% over the past year with earnings forecasted to grow by 16% annually. In such a dynamic environment, identifying strong dividend stocks like Citizens Financial Services can provide investors with steady income and potential growth opportunities amidst fluctuating market conditions.
The 5 Most Interesting Analyst Questions From United Community Banks’s Q1 Earnings Call
United Community Banks’ first quarter results fell short of Wall Street’s revenue expectations, prompting a negative reaction from the market. Management pointed to continued loan growth and an improving net interest margin as key drivers of performance, with CEO Lynn Harton noting, “Annualized loan growth of 4.5% for the quarter and an expansion of our net interest margin of 3 basis points helped to drive these results.” The quarter also benefited from stable credit quality and targeted cost co
How Rising Earnings and Share Buybacks Will Impact United Community Banks (UCB) Investors
In the first quarter of 2026, United Community Banks, Inc. reported higher net interest income of US$232.76 million and net income of US$84.29 million, with basic and diluted earnings per share from continuing operations rising to US$0.69, and also recorded net charge-offs of US$10.38 million. During the same period, the bank completed a buyback of 1,090,000 shares for US$37.03 million, reducing its share count by 0.9% and potentially enhancing earnings per share for remaining...
UCB Q1 Deep Dive: Loan Growth, Deposit Trends, and Strategic M&A Take Center Stage
Regional banking company United Community Banks (NYSE:UCB) missed Wall Street’s revenue expectations in Q1 CY2026, but sales rose 9.6% year on year to $272.4 million. Its non-GAAP profit of $0.70 per share was in line with analysts’ consensus estimates.
SC lender drills down on Atlanta area with $100.8M deal
United Community Banks’ purchase of Peach State Bank would give the acquisitive lender two extra branches and $788 million in assets from fast-growing Hall County.