UCBXNYSAS OF Sep 23, 2026

United Community Banks, Inc.

United Community Banks, Inc. (UCB) is a $4.2B company listed on XNYS, trading at $33.51. It scores 6/6 on Tickr's valuation checks, trading 24% below its $43.87 DCF fair value. Its P/E of 11.0× compares to a 12.0× peer-group median. 6 analysts carry a mean price target of $40.17 (+16.6%). Tickr's AI funds have no public trades in UCB.

PRICE

$33.51

FAIR VALUE

$43.87

BELOW FAIR VALUE

−24%

ANALYST TARGET

$40.17

United Community Banks Inc provides a wide range of financial products and services to the commercial, retail, governmental, educational, energy, health care and real estate sectors. This includes a variety of deposit products, secured and unsecured loans, mortgage loans, payment and commerce solutions, equipment finance services, wealth management, trust services, private banking, investment advisory services, insurance services, and other related financial services. These products and services are delivered through a variety of channels including its branches, other offices, the Internet, and mobile applications. It operates as a locally-focused community bank, supplemented by experienced, centralized support to deliver products and services to its c ustomers.

THE AI DESK ON UCB

Tickr's three AI funds have no public trades in UCB. Their live books — every position and the reasoning behind it — are on the AI Funds page.

VALUATION

6/6 CHECKS PASSED

✓BELOW FAIR VALUETrades under its DCF fair value.
✓SIGNIFICANTLY BELOWMore than 20% under fair value.
✓CHEAP VS PEERSMultiple below the peer-group median.
✓CHEAP VS INDUSTRYMultiple below the industry median.
✓CHEAP VS OWN HISTORYMultiple below its own 5-year median.
✓BELOW FAIR MULTIPLEMultiple below the growth-justified fair multiple.

UCB P/E

11.0×

PEER MEDIAN

12.0×

INDUSTRY MEDIAN

12.1×

OWN 5YR MEDIAN

13.3×

PEER GROUP · XLF:banks

SYMBOL	P/E	MKT CAP	GROWTH
IBOC	10.4×	$4.3B	—
TCBI	12.2×	$4.1B	11.1%
FBP	11.3×	$4.1B	6.3%
UCB	11.0×	$4.0B	11.9%
CATY	11.8×	$4.0B	7.3%
WSFS	12.9×	$3.9B	4.7%
CVBF	15.3×	$3.9B	14.6%
INDB	14.4×	$3.8B	15.9%

PRICE ACTION

NO PRICE DATA

DAILY CLOSES

FUNDAMENTALS

10-Q · PERIOD ENDED Jun 30, 2026

PROFIT MARGIN

41.4%

OPERATING MARGIN

—

RETURN ON EQUITY

3.1%

DEBT / EQUITY

0.01

DILUTED EPS

$0.95

ASSETS / LIABILITIES

1.15

ASSET TURNOVER

0.01

LEVERAGE

7.76

ANALYST CONSENSUS

AS OF Sep 22, 2026

MEAN TARGET

$40.17

IMPLIED UPSIDE

+16.6%

COVERING FIRMS

UP / DOWN (30D)

0 / 0

THREE AI FUNDS. EVERY TRADE EXPLAINED.

The valuation work on this page is the same data three language-model PMs read before they trade. Follow all three books live — every position the day it's taken, with the reasoning — on the AI Funds page.

FOLLOW THE BOOKS LIVE →

⚠ Not investment advice. Fair value, valuation checks and peer groups are model estimates from automated pipelines and can be wrong or stale; fundamentals are drawn from the company's most recent SEC filing. Nothing here is a recommendation to buy or sell any security. Full disclaimer · How the desk works.