Valuation dashboard for United Community Banks, Inc. (UCB) with P/E 31.63, P/B 1.29, EV/EBITDA 16.2 and dividend yield 2.68%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
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.
What would it be worth at its usual multiples?
At Kaplio's cap P/B for its ROTCE 12.3 % (1.3×) $38 (+1 %); at its peers' median (1.2×) $36 (-3 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
Analysis Summary
United Community Banks, Inc. reported revenue of $1.54B in the most recent fiscal year, growing at a 5-year CAGR of 17.2%. Net income reached $328.1M, with a 14.9% 5-year CAGR.
Trailing-twelve-month margins: gross margin 66.0%, operating margin 13.9%, net margin 11.6%.
At $37.64 (closing price, November 2, 2026), UCB trades at a P/E of 31.63 and an ROE of 4.03%. Market capitalisation stands at $4.5B.
Balance sheet quality for UCB: debt-to-equity ratio of 0.01, current ratio of 0.30 over the last 12 months. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 31.63 |
| Price / Book | 1.29 |
| EV / EBITDA | 16.2 |
| Dividend Yield | 2.68% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| UCB | United Community Banks, Inc. | $4.5B | 31.63 | 1.29 | 4.0% |
| CADE | Cadence Bank | $7.8B | 19.68 | 1.28 | 6.8% |
| FULT | Fulton Financial Corporation | $4.6B | 11.21 | 1.25 | 11.4% |
| BANF | BancFirst Corporation | $3.8B | 15.05 | 1.91 | 13.3% |
| MTB | M&T Bank Corporation | $32.4B | 11.70 | 1.15 | 10.7% |
| WBS | Webster Financial Corporation | $12.6B | 12.61 | 1.27 | 10.7% |
| ASB | Associated Banc-Corp | $5.2B | 10.77 | 1.06 | 10.0% |
| RNST | Renasant Corporation | $3.7B | 11.36 | 0.96 | 8.6% |
Price
| Price | $37.64 (closing price, November 2, 2026) |
| Market Cap | $4.5B |
| Exchange | NYSE |
| Country | US |
Profitability
| Return on Equity | 4.03% |
| Return on Invested Capital | 3.46% |
| Return on Assets | 0.51% |
| Gross Margin | 66.03% |
| Operating Margin | 13.86% |
| Net Margin | 11.61% |
Related companies: FULT · BANF · MTB · ASB · RNST
Explore sector: Financial Services · Banks - Regional
More sections of UCB: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
Discover more: Weekly Radar: the S&P 500 through the Buffett and Lynch methods · Companies that pass the Buffett method · Companies that pass the Lynch method · Stocks that pass Graham's defensive investor test today · Investment Academy — learn to analyze stocks