United Community Banks, Inc. — Banks - Regional. Scored on the same transparent model behind the daily rankings.
★
UCB
United Community Banks, Inc. · Banks - Regional
Rev+11.9%B
P/E11.5xB+
ROE10.3%B
P/B1.13B+
Yield2.9%B
66.1Financial strength
$35.23$4.2B
1Y Target$39.17Analyst consensus · 6 analysts
5Y Target$49.45Compound horizon
10Y Target$63.41Long-dated conviction
Rev+11.9%B
Revenue +11.9% — at or above S&P median
P/E11.5xB+
P/E 11.5 — below the Financial Services median (≈40th pctile)
ROE10.3%B
ROE 10.3% — acceptable capital return
P/B1.13B+
P/B 1.13 — reasonable for a quality bank
Yield2.9%B
Yield 2.9% — modest income
Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.
Financial strength · 66.1 / 100
Profitability56.1
Value (P/B)79.9
Income67.7
A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.
Entry · Margin of safety
52-week rangeNear 52-week high
5% off the 12-month high
Model-generatedGenerated by the Bull Rankings model from this company's reported fundamentals, and checked against the figures shown above.
Why now
UCB’s loan franchise is exploding, with commercial real‑estate and C&I originations fueling an 11.9% revenue growth YoY, while the bank converts that top‑line into a 34.1% profit margin and a rock‑solid PE of 11.5x. The combination of high‑margin loan mix and cheap valuation gives the stock a built‑in upside that compounds as the loan book scales. The thesis hinges on the continued expansion of its CRE and commercial loan pipeline, which should keep earnings growing faster than the market.
Moat
UCB’s durable edge lies in its deep deposit base that feeds a high‑margin loan portfolio, especially owner‑occupied and income‑producing CRE. The cross‑sell of private banking, investment management and insurance services creates sticky relationships and higher fee income, making it costly for customers to switch to a regional competitor. This integrated banking model underpins the 10.3% ROE and protects earnings from pure interest‑rate volatility.
Risk
The bear case centers on a potential slowdown in commercial real‑estate lending; a modest dip in loan growth would erode the 11.9% revenue expansion and compress the 34.1% margin, leaving the stock vulnerable to a valuation correction. A widening of the analyst target range below $37 would signal market skepticism. Confirmation would be a quarterly revenue growth rate falling under 5% and margin pressure below 30%, which would invalidate the growth narrative.
Horizon
1-3 yr $39.17 (6-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $49.45 at ~7% CAGR — dividend + buyback compounding. 10 yr $63.41 if the moat survives secular pressure.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Score history · UCB
Not enough history yet — the model records UCB's score after each daily run, and the chart appears once a few days have accumulated.
UCB at a glance
Every figure here comes from the same audited fundamentals behind the score. Charts drawn from data the score does not use say so on the card.
Analyst estimate revisions
30-day change
+0.1%
90-day change
-2.6%
Forward EPS estimate
$3.23
Over the last 90 days, what analysts expect UCB to earn is drifting lower (-2.6%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.
A rising estimate means expectations are improving, not that the price has failed to keep up — and estimates get cut as readily as they get raised. It is not part of the Bull Rankings score. Biggest movers across the market →
Position sizing · UCB
$
%
%
Shares to buy
56
Position size
$1,973
3.9% of portfolio
Stop price
$26.42
25% below $35.23
$ at risk if stopped
$493.22
budget $500.00 · 1% of portfolio
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.
United Community Banks, Inc. (UCB): score, valuation & FAQ
United Community Banks, Inc. (UCB) is a Banks - Regional company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.
Its strongest graded signals are P/E (B+) and P/B (B+).
Is UCB a good stock to buy?
Bull Rankings grades UCB on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by P/E (B+) and P/B (B+). A score is a quantitative screen of United Community Banks, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.
How does Bull Rankings grade UCB?
As a bank, insurer or REIT, UCB isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on P/E (B+) and P/B (B+).
Is UCB overvalued or undervalued?
We don't compute a reliable discounted-cash-flow value for UCB — typically because it is not yet consistently profitable or free-cash-flow positive — so its valuation rests on growth and price-to-sales rather than on earnings-based intrinsic value. Judge it on the trajectory of the business, not a single multiple.
What are the main risks of investing in UCB?
The bear case centers on a potential slowdown in commercial real‑estate lending; a modest dip in loan growth would erode the 11.9% revenue expansion and compress the 34.1% margin, leaving the stock vulnerable to a valuation correction. A widening of the analyst target range below $37 would signal market skepticism. Confirmation would be a quarterly revenue growth rate falling under 5% and margin pressure below 30%, which would invalidate the growth narrative.
Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial advisor.