Stocktoria
UNITED COMMUNITY BANKS INC UCB
UNITED COMMUNITY BANKS INC (UCB) earns a Piotroski F-score of 6/9 (mixed financial health). It pays a dividend yielding 2.78% (safety: safe). FY2025 revenue was $1.1B at a 30.9% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-06-17 | Piper Sandler | Neutral (main) |
| 2026-06-15 | DA Davidson | Buy (main) |
| 2026-04-28 | Stephens & Co. | Overweight (main) |
| 2026-04-22 | DA Davidson | Buy (main) |
| 2026-04-22 | Piper Sandler | Neutral (main) |
| 2026-04-09 | Keefe, Bruyette & Woods | Outperform (up) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 6/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| UCB | UNITED COMMUNITY BANKS INC | 6/9 | — | 13 | +11.7% |
| GBFH | GBank Financial Holdings Inc. | 2/9 | — | 21.2 | — |
| FHB | FIRST HAWAIIAN, INC. | 6/9 | — | 13 | +8.9% |
| FBP | FIRST BANCORP /PR/ | 7/9 | — | 11.8 | +2.4% |
| BUSE | FIRST BUSEY CORP /NV/ | 4/9 | — | 18.6 | +55.7% |
| GABC | GERMAN AMERICAN BANCORP, INC. | 6/9 | — | 15.9 | +37.8% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About UNITED COMMUNITY BANKS INC
United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts. It also provides loans comprising owner occupied and income producing CRE, commercial and industrial, equipment financing, residential mortgage, home equity, manufactured housing, and consumer loans, as well as commercial and residential construction and land. In addition, the company offers private banking, investment management, investment advice, financial planning services, estate and retirement planning, and insurance products; non-deposit investment products and insurance products, such as life insurance, long-term care insurance and tax-deferred annuities; and trust services to manage fiduciary assets. Further, it provides reinsurance on property insurance contracts and payment processing services for commercial and small business customers. The company serves the commercial, retail, government, education, energy, health care, and real estate sectors. United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina.
FAQ
Is UCB financially healthy?
UNITED COMMUNITY BANKS INC's Piotroski F-score is 6/9 (8–9 is excellent, 0–3 weak).
Does UCB pay a dividend, and is it safe?
Yes. UNITED COMMUNITY BANKS INC pays a dividend yielding about 2.78% with a 36.1% payout ratio, rated “safe” for safety.
How profitable is UCB?
In FY2025, UNITED COMMUNITY BANKS INC had a net margin of 30.9% and a return on equity of 9.0%.
Is UCB overvalued or undervalued?
UNITED COMMUNITY BANKS INC trades at about 13.9× trailing earnings — below its 10-year norm (10-year range 11.9×–34.4×, median 15.6×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for UCB?
The average Wall-Street price target for UNITED COMMUNITY BANKS INC is $39.10, about 7.4% above the recent price, from 5 analysts (consensus: buy).
Is UCB a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on UNITED COMMUNITY BANKS INC: a Piotroski F-score of 6/9, a P/E of about 13.0×, a dividend yield of 2.78%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.