United Community Banks, Inc.
UCBNYSEFinancialsBanks - Regional
As of Oct 16, 2026 close
- Market cap
- $4.10B
- P/E (TTM)
- 11.05
- Forward P/E
- 8.02
- Dividend yield
- 2.97%
- 52-week range
- $28.65$37.18
- Volume (live)
- -
- Avg. volume (3M)
- 904.33K
United Community Banks (UCB) Stock Price & Financial Analysis
United Community Banks Stock Price Chart
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Financial Metrics & Key Statistics
Fundamental metrics, valuation ratios, and profitability indicators
| Day's Range | $33.83 - $34.61 |
|---|---|
| 52-Week High | $37.18 |
| 52-Week Low | $28.65 |
| Open | $34.23 |
| Volume (last close) | 911.92K |
| Average Volume (3M) | 904.33K |
| Revenue (TTM) | 1.25B |
|---|---|
| Net Income (TTM) | 371.21M |
| Free Cash Flow (TTM) | 361.19M |
| EPS (TTM) | $3.06 |
| Profit Margin | 29.77% |
| Operating Margin | 38.28% |
| Return on Equity (ROE) | 9.91% |
| Debt to Equity | 0.10 |
| Annual Dividend | $1.01 |
|---|---|
| Dividend Yield | 2.97% |
| Payout Ratio | 33.01% |
| Last Dividend Ex-Date | Sep 15, 2026 |
| Market Cap | 4.10B |
|---|---|
| Shares Outstanding | 120.44M |
| P/E Ratio (TTM) | 11.05 |
| Forward P/E | 8.02 |
| Price to Sales (P/S) | 3.29 |
| Price to Book (P/B) | 1.10 |
| EV/EBITDA | 14.71 |
| 50-Day MA | $34.85 |
|---|---|
| 200-Day MA | $33.86 |
| 1-Year Change | +13.65% |
Source: Market prices and company fundamentals. Data as of Oct 16, 2026. Data sources and methodology
United Community Banks at a Glance
As of the Oct 16, 2026 close, United Community Banks (UCB) has a market capitalization of $4.10B. The stock trades at 11.1× trailing earnings, 8.0× forward earnings and 3.3× sales. Over the trailing twelve months it earned $371.21M on revenue of $1.25B (a 29.8% profit margin) and generated $361.19M of free cash flow. Revenue grew 8.7% year over year.
As of its latest reported balance sheet, it holds $455.10M in cash and securities against $380.60M of debt, a net cash position of $74.50M.
United Community Banks pays a quarterly dividend totaling $1.01 per share a year, a 2.97% yield at the Oct 16, 2026 close, with a 33% payout ratio and 4 consecutive years of dividend increases.
The share price is up 13.7% over the past year. At $34.09 (the Oct 16, 2026 close) it sits within its 52-week range of $28.65 to $37.18, above its 200-day moving average of $33.86.
Based on 5 professional analyst ratings from the past 90 days, the consensus is Buy with an average price target of $40.33, 18.3% above the Oct 16, 2026 close.
Frequently Asked Questions About United Community Banks
What is the current stock price for UCB?
As of the Oct 16, 2026 close, UCB stock trades at $34.09. The 52-week range is $28.65–$37.18, with a day range of $33.83–$34.61.
What is the P/E ratio for UCB?
As of the Oct 16, 2026 close, United Community Banks's trailing twelve-month (TTM) P/E ratio is 11.1, meaning investors pay $11.1 for every $1 of annual earnings. The forward P/E is 8.0, reflecting analyst expectations for future earnings. United Community Banks operates in the Financials sector.
Does UCB pay dividends?
Yes, United Community Banks pays a 2.97% annual dividend yield as of the Oct 16, 2026 close ($1.01 per share a year). The trailing twelve-month payout ratio is 33.0%. The most recent ex-dividend date was September 15, 2026.
What do analysts recommend for UCB?
Based on ratings from 5 professional analysts over the last 90 days, the consensus for UCB is Buy. The average 12-month price target is $40.33, a 18.3% upside from the Oct 16, 2026 close of $34.09.
What is the market cap of UCB?
As of the Oct 16, 2026 close, United Community Banks's market capitalization is $4.11B, classifying it as a mid-cap company. United Community Banks operates in the Financials sector within the Banks - Regional industry.