United Community Banks, Inc. (UCB) Stock Analysis
Range Bound setup
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $33.54, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Negative momentum.
United Community Banks is a bank holding company headquartered in Greenville, SC, providing diversified financial services through United Community Bank with $28.0 billion in total assets as of December 31, 2025. It serves markets across Georgia, South Carolina, North Carolina,... Read more
Hold if already holding. Not a fresh buy at $33.54, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Negative momentum. Chart setup: RSI 46 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Score 5.7/10, moderate confidence.
Passes 5/7 gates (clean insider activity, no SEC red flags, news boost analyst 0.60, earnings proximity 82d clear, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMGeographicGeorgia, South Carolina, North Carolina, Tennessee, Florida and Alabama10-K Item 1A: 'we are a regional bank that provides services to customers primarily in Georgia, South Carolina, North Carolina, Tennessee, Florida and Alabama'
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
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $33.54, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Negative momentum. Chart setup: RSI 46 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Target $34.37 (+2.5%), stop $31.86 (−5.3%), A.R:R -0.2:1. Score 5.7/10, moderate confidence.
Take-profit target: $34.37 (+2.5% upside). Target $34.37 (+2.5%), stop $31.86 (−5.3%), A.R:R -0.2:1. Stop-loss: $31.86.
Analyst target reached - limited upside remaining; Negative momentum.
United Community Banks, Inc. trades at a P/E of 12.1 (forward 10.1). TrendMatrix value score: 7.9/10. Verdict: Hold.
11 analysts cover UCB with a consensus score of 3.6/5. Average price target: $38.
What does United Community Banks, Inc. do?United Community Banks is a bank holding company headquartered in Greenville, SC, providing diversified financial...
United Community Banks is a bank holding company headquartered in Greenville, SC, providing diversified financial services through United Community Bank with $28.0 billion in total assets as of December 31, 2025. It serves markets across Georgia, South Carolina, North Carolina, Tennessee, Florida, and Alabama.