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United Community Banks, Inc. (UCB) Stock Analysis

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $32.47, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.5).

United Community Banks is a $28.0B-asset bank holding company headquartered in Greenville, SC, operating United Community Bank primarily in Georgia, South Carolina, North Carolina, Tennessee, Florida, and Alabama, plus nationally through SBA/USDA and equipment finance... Read more

$32.47+1.8% A.UpsideScore 5.8/10#77 of 142 Banks - Regional
QualityF-score8 / 9FCF yield—
IncomeYield3.07%(5y avg 2.94%)Payout36.26%sustainable
Stop $31.03Target $33.06(analyst − 13%)A.R:R 0.4:1
Analyst target$38.00+17.0%6 analysts
$33.06our TP
$32.47price
$38.00mean
$40

Hold if already holding. Not a fresh buy at $32.47, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.5). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 5.8/10, moderate confidence.

Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 63d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.

Val8.1Qual5.5Grw6.0Mom3.0Sent6.0Ins3.9Peer5.1Tech7.8Risk7.65.8OVERALL

Recent Developments — United Community Banks, Inc.

Material events (past 30 days)

  • Apr 28, 2026 MEDIUM Item 5.02: Jefferson L. Harralson, EVP and CFO, entered agreement to resign effective December 31, 2026. He will receive regular salary through that date plus 2026 incentive bonus. No successor named.

Latest news

Generated 2026-05-20T21:56:22Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Attractive valuation
Risks
Analyst target reached - limited upside remaining
V7 low-quality RISK_OFF penalty: -0.5 (Q=5.5)
Negative momentum

Key Metrics

P/E (TTM)11.9
P/E (Fwd)9.9
Mkt Cap$3.9B
EV/EBITDA—
Profit Mgn32.5%
ROE9.5%
Rev Growth14.4%
Beta0.85
Dividend3.07%
Rating analysts11

Quality Signals

Piotroski F8/9

Options Flow

P/C0.33bullish
IV43%normal

Material Events(8-K, last 90d)

  • 2026-04-28Item 5.02MEDIUM
    Jefferson L. Harralson, EVP and CFO, entered agreement to resign effective December 31, 2026. He will receive regular salary through that date plus 2026 incentive bonus. No successor named.
    SEC filing →

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker

Momentum below the gate floor. Component breakdown shows what dragged the score down.static

Macd
0.8
Obv
1.0
Volume
1.7
Rsi
5.5
Ma Position
6.0
Volume distribution (falling OBV)Above 200-day MA
GatesMomentum 3.0<4.5A.R:R 0.4 < 1.5@spotInsider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 63d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Aggressive
RSI
43 · Neutral
↓ 20D MA↑ 50D MA↑ 200D MAGOLDEN CROSSSupport $31.84Resistance $34.35

Price Targets

$31
$33
A.Upside+1.8%
A.R:R0.4:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (1.8% upside)
! Momentum score 3.0/10 — below 4.5 minimum
! Reward/Risk 0.4:1 at current price — below 1.5:1 minimum

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-07-22 (63d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is UCB stock a buy right now?

Hold if already holding. Not a fresh buy at $32.47, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.5). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $33.06 (+1.8%), stop $31.03 (−4.6%), A.R:R 0.4:1. Score 5.8/10, moderate confidence.

What is the UCB stock price target?

Take-profit target: $33.06 (+1.8% upside). Target $33.06 (+1.8%), stop $31.03 (−4.6%), A.R:R 0.4:1. Stop-loss: $31.03.

What are the risks of investing in UCB?

Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.5); Negative momentum.

Is UCB overvalued or undervalued?

United Community Banks, Inc. trades at a P/E of 11.9 (forward 9.9). TrendMatrix value score: 8.1/10. Verdict: Hold.

What do analysts say about UCB?

11 analysts cover UCB with a consensus score of 3.7/5. Average price target: $38.

What does United Community Banks, Inc. do?United Community Banks is a $28.0B-asset bank holding company headquartered in Greenville, SC, operating United...

United Community Banks is a $28.0B-asset bank holding company headquartered in Greenville, SC, operating United Community Bank primarily in Georgia, South Carolina, North Carolina, Tennessee, Florida, and Alabama, plus nationally through SBA/USDA and equipment finance businesses. Total loans were $19.4B at December 31, 2025; the bank's primary federal regulator changed from FDIC to the Federal Reserve in 2024.

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