UCBI Company Profile and Key Details

Q: Who are the executives of UCBI?

Mr. Richard William BradshawPres & Chief Banking OfficerMr. Robert A. EdwardsExecutive Vice President & Chief Risk OfficerMs. Melinda Davis LuxExecutive Vice President, Gen. Counsel & Corporation Sec.Mr. Jefferson Lee Harralson C.F.A.Executive Vice President & Chief Financial OfficerMr. Herbert Lynn HartonChairman & Chief Executive OfficerMr. Alan H. KumlerChief Accounting Officer, Senior Vice President & ControllerMs. Carol A. ChastainChief Compliance OfficerMs. Holly BerryChief HR OfficerMr. Mark Aaron TerryChief Information OfficerMr. Mitch RalstonPres of United Community Bank of Hall CountyMr. Abraham A. CoxExecutive Vice President & Chief Marketing Officer

NASDAQ : UCBI

United Community Banks

$27.83

-0.93-3.23%

At Close 4:00 PM

Not Actively Trading

74.16

BESG ScoreESG Rating

Profile Key Stats Analyst Ratings Ownership Ratios Financials Dividend & splits Sentiment Forecast

Price Chart

Stock Price Today

United Community Banks, Inc. (UCBI) stock declined over -3.23%, trading at $27.83 on NASDAQ, down from the previous close of $28.76. The stock opened at $27.52, fluctuating between $26.96 and $28.45 in the recent session.

Stock Snapshot

28.76

Prev. Close

3.32B

Market Cap

26.96

Day Low

18.071428571428573

P/E Ratio

1.54

EPS (TTM)

1.85

Cash Flow per Share

27.52

Open

119.18M

Number of Shares

28.445

Day High

99.33%

Free Float in %

27.27

Book Value

742.86K

Volume

Relevant Articles

SEC Fillings

Current Report (8-k)

Filing Date	Accepted Date

Annual Report (10-k)

Filing Date	Accepted Date

Stock Price History Chart

Date	Open	High	Low	Close	Volume
Sep 03, 2024	30.05	30.42	29.91	30.14	427.91K
Aug 30, 2024	30.25	30.51	29.93	30.47	428.84K
Aug 29, 2024	30.50	30.50	29.99	30.10	294.03K
Aug 28, 2024	29.60	30.29	29.54	30.19	274.36K
Aug 27, 2024	29.83	29.96	29.63	29.78	363.27K
Aug 26, 2024	30.88	31.06	30.14	30.14	397.75K
Aug 23, 2024	29.35	31.15	29.35	30.41	571.18K
Aug 22, 2024	28.78	29.27	28.78	29.19	279.52K
Aug 21, 2024	29.04	29.04	28.62	28.91	233.74K
Aug 20, 2024	29.31	29.33	28.74	28.84	359.01K
Aug 19, 2024	29.24	29.71	29.24	29.51	444.34K
Aug 16, 2024	28.77	29.56	28.47	29.32	631.21K
Aug 15, 2024	28.57	28.86	28.40	28.46	403.83K
Aug 14, 2024	27.97	27.97	27.40	27.80	315.45K
Aug 13, 2024	27.81	27.98	27.28	27.90	427.13K
Aug 12, 2024	27.92	28.46	27.23	27.49	402.63K
Aug 09, 2024	27.96	28.11	27.55	27.78	261.19K
Aug 08, 2024	27.83	28.07	27.54	28.04	439.88K
Aug 07, 2024	28.91	29.04	27.36	27.43	572.98K
Aug 06, 2024	27.88	28.31	27.56	28.09	509.09K

Contact Details

Blairsville, GA 30512

United States

https://www.ucbi.com 706 781 2265

About Company

United Community Banks, Inc. operates as the financial holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors. The company accepts various deposit products, including checking, savings, money market, and other deposit accounts. It also offers lending services, including real estate, consumer, and commercial loans, to individuals, small businesses, mid-sized commercial businesses, and non-profit organizations, as well as secured and unsecured, and mortgage loans. In addition, the company originate loans partially guaranteed by the SBA and USDA loan programs. Further, it provides wealth management services comprising financial planning, customized portfolio management, and investment advice; trust services to manage fiduciary assets; non-deposit investment products; and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities, as well as invests in residential and commercial mortgage-backed securities, asset-backed securities, the U.S. treasury, the U.S. agency, and municipal obligations. Additionally, the company offers reinsurance on a property insurance contract; insurance agency services; brokerage services; and payment processing, merchant, wire transfer, private banking, and other related financial services. It operates through a network of 171 branches in Florida, Georgia, North Carolina, South Carolina, and Tennessee. United Community Banks, Inc. was founded in 1950 and is headquartered in Blairsville, Georgia.

Stock Peers

FCNCA

12.25+0.65%

First Citizens BancShares, Inc.$1,906.63 HIFS

-0.18-0.06%

Hingham Institution for Savings$285.61 CATC

Cambridge Bancorp$220.00 WTFC

-0.46-0.33%

Wintrust Financial Corporation$139.60 BFC

0.84+0.62%

Bank First Corporation$136.99 BPOP

0.37+0.27%

Popular, Inc.$136.81 BOKF

0.49+0.38%

BOK Financial Corporation$128.58 CHCO

1.52+1.26%

City Holding Company$122.00 NBN

1.25+1.09%

Northeast Bank$116.29 UMBF

0.39+0.34%

UMB Financial Corporation$115.04

Company Overview

United Community Banks, Inc. (NASDAQ:UCBI) closed at $27.83 USD, losing -$0.93 (-3.23%) from the previous close of $28.76. The stock is currently mid-range between its 52-week high and low $21.63 and $31.96. With a market capitalization of about $3.32 billion, United Community Banks, Inc. is classified as a mid-cap and shows market-like volatility (beta ~0.92). Key stats such as the average daily volume over the past year has been around 541.28 thousand shares, in line with its 52-week average. Headquartered in Blairsville, GA, United Community Banks, Inc. operates in the Financial Services sector and the Banks - Regional industry. Led by CEO Herbert Lynn Harton, the company employs approximately 3,121 people and listed since March 21, 2002. United Community Banks, Inc. operates as the financial holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors.

Technical Performance

Short-term trend indicators are bearishly aligned (SMA20 -3.67%, SMA50 4.58%, SMA200 5.79%). The stock’s 14-day RSI is 45.59 (neutral), while the ATR of 1.04 points to higher daily volatility. The stock remains hovering near 52-week lows, trading -12.92% below its high and over 28.66% above its low.

Valuation Metrics

United Community Banks, Inc. trades at a P/E ratio of 10.32, slightly below the S&P 500 average, with a price-to-sales ratio of 3.12 and a price-to-book ratio of 0.93 suggesting the stock is closer to book value. The P/FCF stands at 8.64, also below market averages.

Dividend & Fair Value

United Community Banks, Inc. last paid a dividend of 0.92 per share, this equals a trailing yield of roughly 3.16%. Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $93.01. This means the shares are trading below this model’s fair value.

Earnings & Analyst Outlook

United Community Banks, Inc. generated EPS of $1.54 over the past year. Five-year average earnings growth is -5.79%. Wall Street analysts project EPS growth of 1.0% annually over the next five years. The latest quarter delivered EPS of $0.39. The next quarter is forecast at $0.58. Next year's EPS is expected at $0.88. United Community Banks, Inc. earnings surprise history is a consistent trend of beating forecasts. The quarter that ended October 16, 2024, missed forecasts by -31.95%. The prior quarter beat by 13.73%. Over the last six quarters, Apple has recorded several small beats. These include 0.0% in October 18, 2023.

Shareholding & Insider Activity

United Community Banks, Inc. has 119.17 million shares outstanding. The public float is 118.38 million shares, elevated short interest at 2.29% of float. This equals 2.01 million shares. The short ratio is 3.47 days. Institutional investors hold 83.44% of the float. Insiders own 0.55%. HEAD ROBERT L JR holds 1.75 million shares, NELSON W C JR has 366.80 thousand shares and HARTON H LYNN has 242.22 thousand shares.

Financial & Profitability Overview

Over the trailing twelve months, United Community Banks generated $1.06B in revenue, or $8.75 per share. Gross margin was 62.43%, operating margin 60.12%, and net profit margin 30.86%. Returns are modest, with ROA at 1.20% and ROE at 10.06%.
On valuation metrics, United Community Banks trades at a P/E of 10.32, P/S of 3.12 and P/B of 0.93. The current ratio is 47.49 and quick ratio is 47.49. Operationally, the company’s inventory turnover is 0.00 and cash conversion cycle is 28.69 days. Debt-to-equity is 0.06, supported by a cash flow-to-debt ratio of 1.87.

Quarterly Financial Highlights

For the quarter ended Dec 31, 2025, United Community Banks posted revenue of $1.06B, down slightly from $1.31B in the prior quarter. Gross profit was $663.73M (margin 62.43%). Operating income was $639.14M (margin 60.1%). Net income was$328.10M (EPS $2.62).
The company ended the quarter with - $200.78M in cash and short-term investments, a total debt of $324.82M, and net debt of - $679.05M. Total assets were $27.30B, with equity of $3.26B. Financials further reflected stability, with operating cash flow of $293.97M, free cash flow of $221.49M, and capital expenditures of - $72.49M.

Price Forecast & Outlook

Our AI price prediction model suggests that United Community Banks, Inc. stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected decline of -1.43%, with price expected at $29.71 by September 17, 2024, within a range of $28.23 to $31.37 3-Month Outlook: Projected rise of 57.17%, reaching $47.37 by November 21, 2024, with a range of $44.75 to $51.26. 1-Year Outlook: Projected loss of -14.27%, with price at $25.84 by August 29, 2025, within a range of $24.52 to $27.26.

Key Takeaways

United Community Banks, Inc. (NASDAQ:UCBI) shares are flat 2.7% year-to-date currently trading near 52-week highs band. Short-term momentum has been positive over the last quarter, despite recent volatility. Valuation shows United Community Banks, Inc. trading at a premium to the broader market with a P/E of 10.32. Analyst sentiment is mixed, with the majority of ratings in Hold territory and a mean price target of $30.07, suggesting -0.23% downside. Our AI forecast model points to short-term weakness (-1.43% over two weeks), a medium-term rise (57.17% over three months), and a longer-term loss (-14.27% over one year), with expected trading ranges indicating moderate volatility.

Frequently Asked Questions

What is the current United Community Banks, Inc. (UCBI) stock price?

United Community Banks, Inc. (NASDAQ: UCBI) stock price is $27.83 in the last trading session. During the trading session, UCBI stock reached the peak price of $28.45 while $26.96 was the lowest point it dropped to. The percentage change in UCBI stock occurred in the recent session was -3.23% while the dollar amount for the price change in UCBI stock was - $0.93.

UCBI's industry and sector of operation?

The NASDAQ listed UCBI is part of Banks - Regional industry that operates in the broader Financial Services sector. United Community Banks, Inc. designs, manufactures, and markets smartphones, personal computers, tablets, wearables, and accessories worldwide.

Who are the executives of UCBI?

Mr. Richard William Bradshaw
Pres & Chief Banking Officer
Mr. Robert A. Edwards
Executive Vice President & Chief Risk Officer
Ms. Melinda Davis Lux
Executive Vice President, Gen. Counsel & Corporation Sec.
Mr. Jefferson Lee Harralson C.F.A.
Executive Vice President & Chief Financial Officer
Mr. Herbert Lynn Harton
Chairman & Chief Executive Officer
Mr. Alan H. Kumler
Chief Accounting Officer, Senior Vice President & Controller
Ms. Carol A. Chastain
Chief Compliance Officer
Ms. Holly Berry
Chief HR Officer
Mr. Mark Aaron Terry
Chief Information Officer
Mr. Mitch Ralston
Pres of United Community Bank of Hall County
Mr. Abraham A. Cox
Executive Vice President & Chief Marketing Officer

How UCBI did perform over past 52-week?

UCBI's closing price is 28.66% higher than its 52-week low of $21.63 where as its distance from 52-week high of $31.96 is -12.92%.

How many employees does UCBI have?

Number of UCBI employees currently stands at 3,121.

Link for UCBI official website?

Official Website of UCBI is: https://www.ucbi.com

How do I contact UCBI?

UCBI could be contacted at phone 706 781 2265 and can also be accessed through its website. UCBI operates from 125 Highway 515 East, Blairsville, GA 30512, United States.

How many shares of UCBI are traded daily?

UCBI stock volume for the day was 742.86K shares. The average number of UCBI shares traded daily for last 3 months was 541.28K.

What is the market cap of UCBI currently?

The market value of UCBI currently stands at $3.32B with its latest stock price at $27.83 and 119.18M of its shares outstanding.

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Employees	3121
Beta	0.92
Sales or Revenue	$1.06B
5Y Sales Change%	0.514%
Fiscal Year Ends	December
Sector	Financial Services
Industry	Banks - Regional

UCBI Company Profile and Key Details

United Community Banks

Price Chart

Stock Price Today

Stock Snapshot

Relevant Articles

SEC Fillings

Current Report (8-k)

Annual Report (10-k)

Stock Price History Chart

Contact Details

About Company

Company Information

Stock Peers

Company Overview

Technical Performance

Valuation Metrics

Dividend & Fair Value

Earnings & Analyst Outlook

Shareholding & Insider Activity

Financial & Profitability Overview

Quarterly Financial Highlights

Price Forecast & Outlook

Key Takeaways

Frequently Asked Questions

Technical Performance

Company Overview

Valuation Metrics

Earnings & Analyst Outlook

Shareholding & Insider Activity

Dividend & Fair Value

Price Forecast & Outlook

Financial & Profitability Overview

Quarterly Financial Highlights

Key Takeaways