United Community Banks Inc. Common Stock (UCB)

FairStock Score: 57/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a regional bank first as a credit institution, then as a compounding machine. United Community Banks is a $4.0B market-cap bank holding company with 3,141 employees, gathering deposits and making commercial real estate, C&I, equipment, mortgage, home equity, and consumer loans. The filed record shows progress: FY2023 revenue was $893.2M, net income $187.5M, and diluted EPS $1.54; FY2024 revenue was $952.1M, net income $252.4M, and EPS $2.04; FY2025 revenue was $1.1B, net income $328.1M, and EPS $2.62. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $279.3M, net income $115.6M, and diluted EPS $0.95, versus $260.2M, $78.7M, and $0.63 in fiscal Q2 2025. That is real improvement. At the 2026-10-13 close of $33.37, FairStock calculates a P/E of 10.91, P/B of 1.07, dividend yield of 3.12%, ROE of 10.27%, PEG of 0.23, and Piotroski F-Score of 4/9. The price looks reasonable, not extravagant, for a bank earning low-double-digit returns on equity. FairStock classifies it as a STALWART, citing steady five-year growth. But I cannot see CET1, net interest margin, nonperforming loans, reserves, or loan-loss provisions in this data; combined ratio is also absent, though that is an insurer metric. A bank is only as good as its underwriting through a downturn. The valuation offers some margin, but I would need evidence on credit quality and capital before calling it a high-quality bargain.

In plain English: United Community Banks is a regional bank that takes deposits and makes loans to businesses and consumers. Its profits have grown in recent years, and the stock price looks modest compared with those profits and the bank's accounting value. But banks carry lending risks, and important safety details such as capital and loan quality are not in the data.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer