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UNITED COMMUNITY BANKS/GA

UCBNYSE
πŸ† #1346 by market capEarnings Jan 12US Equity
$36.56β–Ό $0.19 (βˆ’0.53%)
πŸŒ… Pre-market$36.56β–² 0.00%Regular close Β· extended-hours price shown
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24hβ–Ό 0.5%
7dβ–Ό 1.8%
14dβ–² 7.4%
30dβ–² 8.8%
ytdβ–² 17.1%
1yβ–² 25.1%
🏦Market Cap
$4.38B
Small Cap
πŸ“ˆRevenue Growth (YoY)
3.8%
Slowing
πŸ“ŠGross Margin
66.0%
High
πŸ’΅FCF Margin
23.3%
Strong
βš–οΈP/S Ratio
3.5x
Fair
Otter Score
68
Fair

Trading Snapshot

Day Range
$36.12 – $36.76
52-Week Range
$28.65 – $37.45
Volume (shares)
1,178,219
Avg Volume (shares)
β€”
Shares Outstanding
119.8M
Next Earnings
2027-01-12

Fundamentals Snapshot

Annual Revenue
$1.54B
Last Q Revenue
$99M
P/E Ratio
30.7
P/S Ratio
3.5x
EPS (TTM)
$1.22
Dividend Yield
2.76%
Dilution (1yr)
+1.6%
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UNITED COMMUNITY BANKS/GA

UCB
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$1.5Bβ–² +3.8% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
66.0%β–² +11.1% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$422Mβ–² +30.8% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$408Mβ–² +34.7% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
121.8Mβ–² +1.6% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$190Mβ–² +$120M YoY
StockOtter Β· stockotter.space

About UNITED COMMUNITY BANKS/GA

United Community Banks, Inc. functions as the parent entity for United Community Bank, through which it delivers a comprehensive array of financial solutions. These offerings cater to a diverse clientele, encompassing commercial enterprises, individual consumers, governmental bodies, educational institutions, and entities within the energy, healthcare, and real estate industries. Its core banking activities include accepting various deposit accounts, such as checking, savings, and money market options. The institution extends a broad spectrum of lending products, including real estate, consumer, and commercial loans. These are provided to individuals, small and mid-sized businesses, and non-profit organizations, encompassing both secured and unsecured options, as well as specialized mortgage financing. Furthermore, it originates loans partially backed by government initiatives like the Small Business Administration (SBA) and U.S. Department of Agriculture (USDA) programs. Beyond traditional banking, United Community Banks offers robust wealth management services, covering financial planning, bespoke portfolio management, and expert investment guidance. This is complemented by trust services for fiduciary asset administration, non-deposit investment alternatives, and a suite of insurance products, including life, long-term care, and tax-deferred annuities. The company also strategically invests its own capital in a range of securities, including residential and commercial mortgage-backed securities, asset-backed securities, U.S. Treasury and agency obligations, and municipal bonds. Additionally, the firm provides an extensive suite of supplementary financial tools, such as treasury management, credit and debit card services, diverse payment and commerce solutions, equipment financing, and dedicated investment advisory and brokerage services. It also facilitates reinsurance for property contracts, operates as an insurance agency, and offers specialized services like payment processing, merchant services, wire transfers, and private banking. Established in 1950, United Community Banks, Inc. maintains its corporate headquarters in Blairsville, Georgia.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
68/100

Analyst Ratings

β“˜
Consensus
Buy
11 analysts
Strong Buy2
Buy4
Hold5
Sell0
Strong Sell0
Ratings as of Oct 2026

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