United Community Banks, Inc. (UCB)
Financials · NYQ
Price as at 1 Oct 2026, 03:11 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
United Community Banks, Inc. trades at $33.35, which is 137% below the $79.20 our fair value estimate puts on the business. On that measure alone it screens as undervalued, though a valuation model is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 47 out of 100, which is a moat, but not a deep one. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 13.0 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
UCB dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | $0.760 | 3 |
| 2025 | $0.980 | 4 |
| 2024 | $0.940 | 4 |
| 2023 | $0.920 | 4 |
| 2022 | $0.860 | 4 |
| 2021 | $0.780 | 4 |
| 2020 | $0.720 | 4 |
| 2019 | $0.680 | 4 |
| 2018 | $0.580 | 4 |
| 2017 | $0.380 | 4 |
| 2016 | $0.300 | 4 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
UCB earnings and analyst estimates
Recommendation mix, 7 published ratings
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About United Community Banks, Inc.
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 business customers. The company serves the commercial, retail, government, education, energy, health care, and real estate sectors. United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
UCB passes 6 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
9 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- Ken Fisher, Fisher Asset Management, LLC$33.15M · 0.0% of book
- Cliff Asness, AQR CAPITAL MANAGEMENT LLC$11.61M · 0.0% of book
- Israel Englander, MILLENNIUM MANAGEMENT LLC$10.68M · 0.0% of book
- Arrowstreet Capital, ARROWSTREET CAPITAL, LIMITED PARTNERSHIP$9.19M · 0.0% of book
- Ken Griffin, CITADEL ADVISORS LLC$7.08M · 0.0% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
UCB peers
The largest companies in the same industry (Banks - Regional), then in the same sector.
- HDB HDFC Bank Limited
- IBN ICICI Bank Limited
- CIXPF CaixaBank, S.A.
- ITUB Itaú Unibanco Holding S.A.
- NWG NatWest Group plc
- DB Deutsche Bank Aktiengesellschaft
- NU Nu Holdings Ltd.
- CRARF Crédit Agricole S.A.
Every financials company we cover is on the Financials hub.
Common questions
Is United Community Banks, Inc. (UCB) undervalued?
Against our fair value estimate of $79.20, UCB at $33.35 is 137% below fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
Which funds own UCB?
9 of the institutions we track reported a position in UCB in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is UCB's P/E ratio?
UCB trades at 13.0 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does United Community Banks, Inc. (UCB) pay a dividend?
Yes. United Community Banks, Inc. yields 2.81% at the current share price. It has paid $1.01 per share over the trailing twelve months. It has paid a dividend in each of the last 12 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
Where does SteadyShares get its UCB data?
Fundamentals for UCB come from company filings and exchange data, as listed on NYQ; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 1 Oct 2026, 03:11 UTC and is delayed. Our data quality score for this company is 88/100, which is the share of the inputs behind our scores that were actually available rather than assumed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for UCB, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.