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United Community Banks, Inc. (UCB) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated today

United Community Banks, Inc.

UCBMarket cap $4.05BPrice $33.6

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs full-service community banks across the Southeast, offering deposits, loans, and wealth management to local businesses and families. With over $27 billion in assets, it proves regional banking still beats big-bank bureaucracy when relationships matter.

In Bastion Portfolios?

52W Return+14%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+7%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+7%–

Rev CAGR (5y)+5%5

Earnings Forecast

EPS Growth Y+1+13%7

EPS Growth Y+2+10%6

EPS Growth Y+3+8%6

Quality

Margins

EBIT Margin0%5

Net Income Margin34%9

Free Cash Flow Margin33%9

Debt

Net Debt/EBITDAna–

Efficiency

ROE10%5

ROA1%3

Earnings Stability55

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)118

P/E Ratio (Forward 3y)108

P/BV1.19

EV Multiples

EV/EBITDA Fwd08

EV/EBIT Fwd08

Yield

Free Cash Flow Yield0.0%9

Dividend Yield3.1%7

Momentum

Short term

1 month return-3%5

3 month return-4%5

YTD return+10%6

Mid term

Price vs 52wHigh91%8

1 year return+8%6

Long term

3 year return+43%5

5 year return+16%4

Risk Shield

Price Risk

Beta1.04

Volatility25%8

Free Cash Flow

Free Cash Flow Margin33%9

Free Cash Flow Yield0.0%9

Quality

ROCE14%3

Earnings Stability55

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

UCBUnited Community Banks

Revenue FY25$1.0B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+7%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+7%–

Revenue, next 5Y, CAGR+5%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+13%7

EPS growth, FY27E+10%6

EPS growth, FY28E+8%6

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 10%/yr vs revenue 7%/yr).

WATCH

Revenue is set to grow 7%/yr over the next 3 years, in line with the market.5/10

Revenue grew 7%/yr over the last 3 years and is set to keep growing around 7%/yr.

Over five years revenue is set to grow 5%/yr, about average versus companies worldwide.5/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE49 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-3%5

3-month return-4%5

YTD return+10%6

MID & LONG-TERM▾SCORE

% of 52-week high91%8

1-year return+8%6

3-year return+43%5

5-year return+16%4

MOMENTUM ASSESSMENT

STRENGTHS

It's up 8% over the past year, but 9% below its 52-week high. That is clearly ahead of the market.

WATCH

Average long-term results. Multi-year returns are middling (+43% over three years and +16% over five), roughly average for the market.

Returns sit at the market level over the past month (-3%), over three months (-4%) and so far this year (+10%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on United Community Banks, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

UCBUnited Community Banks

Revenue FY25$1.0B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+7%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+7%–

Revenue, next 5Y, CAGR+5%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+13%7

EPS growth, FY27E+10%6

EPS growth, FY28E+8%6

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 10%/yr vs revenue 7%/yr).

WATCH

Revenue is set to grow 7%/yr over the next 3 years, in line with the market.5/10

Revenue grew 7%/yr over the last 3 years and is set to keep growing around 7%/yr.

Over five years revenue is set to grow 5%/yr, about average versus companies worldwide.5/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE49 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-3%5

3-month return-4%5

YTD return+10%6

MID & LONG-TERM▾SCORE

% of 52-week high91%8

1-year return+8%6

3-year return+43%5

5-year return+16%4

MOMENTUM ASSESSMENT

STRENGTHS

It's up 8% over the past year, but 9% below its 52-week high. That is clearly ahead of the market.

WATCH

Average long-term results. Multi-year returns are middling (+43% over three years and +16% over five), roughly average for the market.

Returns sit at the market level over the past month (-3%), over three months (-4%) and so far this year (+10%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on United Community Banks, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community