Wall Street analyst estimates for United Community Banks, Inc. (UCB): consensus price target, buy/hold/sell recommendations and forecasts for revenue and EPS for the upcoming fiscal years.
United Community Banks, Inc. functions as the parent entity for United Community Bank, through which it delivers a comprehensive array of financial solutions. These offerings cater to a diverse clientele, encompassing commercial enterprises, individual consumers, governmental bodies, educational institutions, and entities within the energy, healthcare, and real estate industries.
Revenue and EPS estimates
| Fiscal year | Revenue (average) | Revenue (low – high) | EPS (average) | Analysts |
|---|---|---|---|---|
| 2026E | $1.1B | $1.1B – $1.1B | $3.02 | 5 |
| 2027E | $1.2B | $1.2B – $1.2B | $3.45 | 6 |
| 2028E | $1.3B | $1.2B – $1.3B | $3.71 | 7 |
Figures in USD · consensus as of November 1, 2026
Analyst Consensus
| Strong Buy | 0 |
| Buy | 3 |
| Hold | 4 |
| Sell | 0 |
| Strong Sell | 0 |
| Total analysts | 7 |
| Avg rating (−2 sell to +2 buy) | 0.43 |
Recent Earnings Surprises
| Date | EPS Actual | EPS Est. | vs Est. |
|---|---|---|---|
| 2027-01-13 | $0.82 | ||
| 2026-10-20 | $0.77 | $0.77 | -0.4% |
| 2026-07-21 | $0.71 | $0.81 | -12.3% |
| 2026-04-21 | $0.70 | $0.70 | +0.0% |
| 2026-01-14 | $0.71 | $0.73 | -2.7% |
| 2025-10-22 | $0.75 | $0.70 | +7.8% |
| 2025-07-23 | $0.66 | $0.62 | +6.5% |
| 2025-04-22 | $0.59 | $0.56 | +5.4% |
Valuation Ratios
| P/E Ratio | 31.13 |
| Price / Book | 1.27 |
| Dividend Yield | 2.73% |
Income Statement (10y)
| Year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $403.5M | $430.2M | $516.4M | $557.7M | $639.4M | $686.5M | $868.1M | $871.9M | $930.0M | $1.06B |
| Cost of Revenue | $24.4M | $3.8M | $9.5M | $13.2M | $80.4M | -$7.8M | $63.9M | $89.4M | $51.0M | $48.8M |
| Gross Profit | $404.3M | $426.4M | $506.9M | $544.5M | $558.9M | $724.1M | $804.2M | $782.5M | $879.1M | $1.01B |
| Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Selling, General & Admin | $149.1M | $163.9M | $195.5M | $207.5M | $245.2M | $254.8M | $294.5M | $355.4M | $369.6M | $386.5M |
| Operating Expenses | $241.3M | $253.6M | $291.0M | $305.8M | $349.5M | $376.3M | $448.2M | $550.0M | $556.1M | $591.9M |
| Operating Income | $163.0M | $172.8M | $215.9M | $238.7M | $209.4M | $347.8M | $356.0M | $232.5M | $323.0M | $422.4M |
| EBITDA | $193.0M | $200.3M | $246.9M | $262.7M | $200.9M | $345.7M | $402.7M | $277.5M | $363.9M | $468.4M |
| Interest Expense | $25.2M | $33.7M | $61.3M | $83.3M | $56.2M | $29.8M | $60.8M | $419.3M | $550.4M | $473.8M |
| Pre-tax Income | $163.0M | $172.8M | $215.9M | $238.7M | $209.4M | $347.8M | $356.0M | $232.5M | $323.0M | $422.4M |
| Income Tax | $62.3M | $105.0M | $49.8M | $53.0M | $45.4M | $78.0M | $78.5M | $45.0M | $70.6M | $94.3M |
| Net Income | $100.7M | $67.8M | $166.1M | $185.7M | $164.1M | $269.8M | $277.5M | $187.5M | $252.4M | $328.1M |
| EPS | $1.40 | $0.92 | $2.07 | $2.31 | $1.91 | $2.97 | $2.52 | $1.54 | $2.04 | $2.63 |
| EPS (Diluted) | $1.40 | $0.92 | $2.07 | $2.31 | $1.91 | $2.97 | $2.52 | $1.54 | $2.04 | $2.62 |
| Shares Outstanding (Diluted) | 71.9 M | 73.3 M | 79.7 M | 79.7 M | 83.2 M | 88.1 M | 106.8 M | 117.7 M | 120.0 M | 121.8 M |
Price
| Price | $37.04 (closing price, November 3, 2026) |
| Market Cap | $4.4B |
| Exchange | NYSE |
| Country | US |
Related companies: FULT · BANF · MTB · ASB · RNST
Explore sector: Financial Services · Banks - Regional
More sections of UCB: Overview · Financials · Valuation · Technical · Ownership
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