Is United Community Banks (UCB) overvalued or fairly valued?

MarketChacha shows United Community Banks's valuation in context — a trailing P/E of about 11.7, a forward P/E of about 10.4, a price-to-book of about 1.1 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does United Community Banks's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.34×) from reported figures — education, not a rating.

What is United Community Banks's revenue?

United Community Banks reported revenue of $1.1B for FY2025, with net profit of $328.1M, per official filings.

What is the share price of United Community Banks (UCB)?

United Community Banks last traded at $34.78 (+3.0% on the day), as of 10/20/2026 — a delayed quote shown for education, not investment advice.

United Community Banks

UCB · NYSE · Financials · United States

Snapshot

TickerUCB

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees3,141

HeadquartersGreenville, United States

Websitewww.ucbi.com

Filings tracked22

About United Community Banks

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.

Who owns it

Insiders0.4%
Institutions88.9%
Public & other10.7%

487 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.14.52%
Vanguard Portfolio Management LLC6.73%
FMR, LLC6.66%
Dimensional Fund Advisors LP5.51%
State Street Corporation5.42%
Vanguard Capital Management LLC4.50%
Neuberger Berman Group, LLC2.92%
Earnest Partners LLC2.68%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion1.34×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend21.0% → 30.9%

Margin has expanded by about 9.9 points — the business is getting more profitable.

Growth qualityrev 9% · PAT 32%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $285.2M · EPS 0.79

Est. earnings growth +11.9%

Next fiscal year

Rev $1.2B · EPS 3.36

Est. earnings growth +12.1%

Analyst consensus estimates — not the company's own guidance.

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2025)

$1.1B

Net margin

30.9%

ROE

9.0%

Revenue CAGR (2y)

+9.1%

Profit CAGR (2y)

+32.3%

EPS (FY2025)

2.62

Net profit (FY2025)

$328.1M

Ask MarketChacha about UCB

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$1.1B	$328.1M	2.62	30.9%	9.0%
FY2024	$952.1M	$252.4M	2.04	26.5%	7.4%
FY2023	$893.2M	$187.5M	1.54	21.0%	5.8%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q2	$279.3M	$115.6M	0.95	41.4%
2026Q1	$276.5M	$84.3M	0.69	30.5%
2025Q3	$276.8M	$91.5M	0.70	33.0%
2025Q2	$260.2M	$78.7M	0.63	30.3%
2025Q1	$247.7M	$71.4M	0.58	28.8%
2024Q3	$217.3M	$47.3M	0.38	21.8%
2024Q2	$245.3M	$66.6M	0.54	27.2%
2024Q1	$238.7M	$62.6M	0.51	26.2%
2023Q3	$204.3M	$47.9M	0.39	23.4%
2023Q2	$213.9M	$63.3M	0.53	29.6%
2023Q1	$219.9M	$62.3M	0.52	28.3%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Reg FD disclosure, Exhibits
SEC9/8/2026material
8-K — Reg FD disclosure, Exhibits
SEC9/8/2026material
8-K — Other events, Exhibits
SEC9/1/2026material
8-K — Executive/director change, Reg FD disclosure, Exhibits
SEC8/19/2026material
10-Q filing
SEC8/5/2026
8-K — Executive/director change, Reg FD disclosure, Exhibits
SEC8/3/2026material
8-K — Other events, Exhibits
SEC8/3/2026material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC7/21/2026material
8-K — Other events, Exhibits
SEC7/10/2026material
8-K — Material agreement, Reg FD disclosure, Exhibits
SEC6/12/2026material
8-K — Shareholder vote results
SEC5/15/2026material
10-Q filing
SEC5/6/2026
8-K — Executive/director change, Reg FD disclosure, Exhibits
SEC4/28/2026material
8-K — Other events, Exhibits
SEC4/21/2026material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC4/21/2026material
10-K filing
SEC2/17/2026
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC1/14/2026material

2025

8-K — Other events, Exhibits
SEC12/8/2025material
10-Q filing
SEC11/7/2025
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC10/22/2025material
8-K — Other events, Exhibits
SEC8/15/2025material
10-Q filing
SEC8/8/2025

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.