United Community Banks, Inc (UCB) Fair Value & Analysis
Financial Services · US · Market cap $4.0B
United Community Banks, Inc
UCB · US
Fair value as of: Jun 26, 2026
From 26 valuation models · updated 3 days ago
Share price +7.3% over the past month.
Price vs Fair Value (12 months)
12‑month range $28.24 – $35.90 · fair‑value band $26.73 – $44.55 · the $35.06 price screens below the $35.64 fair value. As of Jun 26, 2026.
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United Community Banks, Inc (UCB) currently trades at $35.06, while our model-based Fair Value estimate is $35.64 — implying the stock looks roughly 1.7% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, United Community Banks, Inc generated revenue of $1.0B at a net margin of 32.5%. Revenue grew 14.4% year over year. It earns a return on equity of 9.5%. Net debt stands at $2.8M. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
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 accounts. It also provides loans comprising owner occupied and income producing CRE, commercial and industrial, equipment financing, residential mortgage, home equity, manufactured housing, and consumer loans, as well as commercial and residential construction and land. In addition, the company offers private banking, investment management, investment advice, financial planning services, estate and retirement planning, and insurance products; non-deposit investment products and insurance products, such as life insurance, long-term care insurance and tax-deferred annuities; and trust services to manage fiduciary assets. Further, it provides reinsurance on property insurance contracts and payment processing services for commercial and small bus…
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
United Community Banks, Inc reported revenue of $1.5B in FY2025 versus $716M in FY2021, a compound +21.0%/yr. Reported net income was $328M in FY2025, compounding +5.0%/yr from FY2021.
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Similar stocks
6 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| HDFC Bank Limited HDFCBANK | ₹796.30 | ₹641.88 | -19% |
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| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,870 IDR | 5,740 IDR | +100% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| KB Financial Group 105560 | 157,000 KRW | 205,701 KRW | +31% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,260 IDR | 8,520 IDR | +100% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.