United Community Banks Inc
Research United Community Banks Inc (UCB) on Bullrun: valuation model: 29.2% undervalued, market cap USD 4.20B, P/E 11.5, dividend yield 2.8%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerUCB
- ExchangeNYSE
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal29.2% undervalued
- Market capUSD 4.20B
- P/E11.5
- Dividend yield2.8%
- Financial periodQ2 2026
- RevenueUSD 272.62M
- Net incomeUSD 115.64M
- Free cash flowUSD 121.41M
Valuation Snapshot
Bullrun's latest valuation model marks United Community Banks Inc as 29.2% undervalued; latest market cap is USD 4.20B; P/E is 11.5; dividend yield is 2.8%.
Peer valuation comparison
Latest P/E is 11.49x versus a Financial Services sector median of 13.84x (17.0% below).
Latest dividend yield is 2.84% versus a Financial Services sector median of 3.86% (26.3% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 1.06B | USD 328.10M | USD 356.46M | n/a | 2.62 | USD 395.75M | USD 205.40M | USD 3.64B |
| FY2024 | USD 952.12M | USD 252.40M | USD 302.69M | n/a | 2.04 | USD 519.87M | USD 449.15M | USD 3.43B |
| FY2023 | USD 893.25M | USD 187.54M | USD 221.49M | n/a | 1.54 | USD 1.00B | USD 324.82M | USD 3.26B |
| FY2022 | USD 826.15M | USD 277.47M | USD 564.60M | n/a | 2.52 | USD 646.85M | USD 483.60M | USD 2.70B |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 4.20B | 11.5 | 2.8% | 1 |
| 2025 | 2025-12-31 | USD 3.77B | 11.9 | 3.1% | 0.98 |
| 2024 | 2024-12-31 | USD 3.86B | 15.8 | 2.9% | 0.94 |
| 2023 | 2023-12-29 | USD 3.48B | 13.4 | 3.1% | 0.92 |
| 2022 | 2022-12-30 | USD 3.59B | 14.5 | 2.5% | 0.86 |
| 2021 | 2021-12-31 | USD 3.21B | 12.1 | 2.2% | 0.78 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 1 USD, yield 2.8%.
| Year | Dividends/share |
|---|---|
| FY2025 | 0.98 USD |
| FY2024 | 0.94 USD |
| FY2023 | 0.92 USD |
| FY2022 | 0.86 USD |
About United Community Banks Inc
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.
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Frequently asked questions
Is United Community Banks Inc overvalued or undervalued?
Bullrun's valuation model currently marks United Community Banks Inc as 29.2% undervalued.
What is United Community Banks Inc's market cap?
United Community Banks Inc's market capitalization is USD 4.20B.
What is United Community Banks Inc's P/E ratio?
United Community Banks Inc's price-to-earnings (P/E) ratio is 11.5.
Does United Community Banks Inc pay a dividend?
United Community Banks Inc has a dividend yield of 2.8%.
What does United Community Banks Inc do?
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.