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UCBUCBFinancial Services · Banks - Regional

UCB Stock Forecast: United Community Banks, Inc. Price Predictions for 2026-2027

Last close, 23 Oct 2026
$37
−0.64% on the day

The 7 Wall Street analysts covering United Community Banks, Inc. hold a median 12-month price target of $41 — +11.2% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 33 of 100 as at 24 Oct 2026 — in the lower half. The Street sees upside; the factor read is a caution. That gap is the story on this page.

Market cap
$4.4B
Ticker Nerd rank
33/ 100
Median analyst target
$41
Analysts covering
7
Revenue$272.6M+7.2% y/y
Net income$115.6M
Free cash flow$121.4M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
+8.5%
1M
+10.4%
YTD
+21.2%
1Y
+27.7%
From 52W high
−0.6%
From 52W low
+31.8%
$28
$37
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

UCB stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores United Community Banks, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 24 Oct 2026
33/ 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Revisions
90
Momentum
66
Issuance
49
Volatility
45
Accruals
40
Size
24
Growth
24
Value
22
Quality
20

Revisions (90): Analysts have, on balance, been raising their forecasts.

Quality (20): Profits are thin or unreliable for the size of the business, or they are not turning into cash.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.

Wall Street

UCB stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on UCB, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$30$35$40Jan 26Apr 26Jul 26Oct 26UCBHigh $43Median $41Low $38

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Data provided by Twelve Data

What Wall Street says7 analysts
3 Buy4 Hold0 Sell
Low $38Median $41High $43

The green dot is the last close — the median target sits +11.2% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 5 moved their price target up and 1 moved it down.

DateFirmActionRatingTarget
21 Oct 2026Stephens & Co.MaintainsOverweight$41 → $42
16 Sept 2026Keefe, Bruyette & WoodsMaintainsOutperform$40 → $41
9 Sept 2026DA DavidsonMaintainsBuy$40 → $42
9 Sept 2026Piper SandlerMaintainsNeutral$37 → $38
22 July 2026DA DavidsonMaintainsBuy$40
22 July 2026DA DavidsonMaintainsBuy—
17 June 2026Piper SandlerMaintainsNeutral—
17 June 2026Piper SandlerMaintainsNeutral$36 → $35
15 June 2026DA DavidsonMaintainsBuy—
15 June 2026DA DavidsonMaintainsBuy$39 → $40
28 Apr 2026Stephens & Co.MaintainsOverweight—
22 Apr 2026DA DavidsonMaintainsBuy—
22 Apr 2026Piper SandlerMaintainsNeutral—
9 Apr 2026Keefe, Bruyette & WoodsUpgradeOutperform—
15 Jan 2026DA DavidsonMaintainsBuy—
15 Jan 2026Keefe, Bruyette & WoodsMaintainsMarket Perform—
15 Jan 2026Stephens & Co.MaintainsOverweight—
28 July 2025Keefe, Bruyette & WoodsMaintainsMarket Perform—
24 July 2025DA DavidsonMaintainsBuy—
8 July 2025Raymond JamesDowngradeMarket Perform—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

UCB appears in the Radar on the weeks it earns a place.

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Performance

UCB vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 23 Oct 2026, United Community Banks, Inc. returned +27.7% against +14.3% for the S&P 500, dividends included.

UCB vs S&P 500, last 12 monthsTotal return, rebased to 100
90100110120130Jan 26Apr 26Jul 26Oct 26UCBS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

UCB analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
EPS revision, 90 days
−4.1%
Analysts raising
5
Analysts cutting
0
Fundamentals

United Community Banks, Inc. (UCB) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
12.1×

Cheaper than 52% of US stocks

Price / sales
5.4×

Cheaper than 22% of US stocks

Price / book
1.3×

Cheaper than 62% of US stocks

EV / EBITDA
—
Growth & margins
Revenue growth (YoY)
0.8%

Higher than 30% of US stocks

Earnings growth (YoY)
7.2%

Higher than 45% of US stocks

Gross margin
—
Operating margin
771.0%

Higher than 99% of US stocks

Net margin
17.9%

Higher than 81% of US stocks

Returns & dividend
Return on equity
4.1%

Higher than 52% of US stocks

Return on assets
0.5%

Higher than 46% of US stocks

Dividend yield
2.8%

Higher than 85% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

United Community Banks, Inc. (UCB) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

  • United Community Banks, Inc. has a market value of $4.4B and an enterprise value of $3.6B.

  • Revenue in the twelve months to 30 June 2026: $1.1B. The latest quarter grew 0.8% year on year.

  • Net income over the same four quarters: $377.9M, a 34.8% net margin.

  • Diluted earnings per share, trailing twelve months: $3.04.

  • Free cash flow in the twelve months to 30 June 2026: $361.2M.

  • United Community Banks, Inc. spent $159.0M on share buybacks and $122.9M on dividends in the twelve months to 30 June 2026.

  • Shares outstanding: 119.8M.

  • Trailing P/E: 12.1×; forward P/E: 10.7× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 2.81%, paying out 33% of earnings.

  • United Community Banks, Inc. employs 3,070 people — $354K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 24 Oct 2026

Data provided by Twelve Data

Peers

UCB vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelBanks - Regional
CompanyMarket capTKN rank
UCBUnited Community Banks, Inc.$4.4B33
CATYCathay General Bancorp$4.4B88
SFBSServisFirst Bancshares, Inc.$4.5B35
FFINFirst Financial Bankshares, Inc.$4.3B39
FLGFlagstar Bank NA$4.3B27
FULTFulton Financial Corp.$4.6B57
FBPFirst BanCorp (Puerto Rico)$4.3B90

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own United Community Banks, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest UCB news & analysis

Are You Looking for a Top Momentum Pick? Why United Community Banks (UCB) is a Great Choice

Zacks Investment Research · 23 Oct 2026neutral

Zacks Investment Research poses the question of whether United Community Banks (UCB) has the characteristics of a top stock pick for momentum investors. The excerpt provides no further analysis or conclusion.

Why it matters — UCB watchers may note that the item considers the stock from a momentum-investing perspective, while the excerpt does not state an assessment.

United Community Banks: 3 Key Takeaways for Long-Term Investors

The Motley Fool · 22 Oct 2026positive

United Community Banks reported third-quarter operating earnings of $0.77 per share. Core annualized loan growth was 10%, excluding Navitas and Peach State.

Why it matters — These figures give UCB watchers an update on the company’s quarterly operating earnings and core loan growth.

Best Income Stocks to Buy for October 22nd

Zacks Investment Research · 22 Oct 2026positive

Zacks Investment Research included UCB on its Zacks Rank #1 (Strong Buy) income stocks list for October 22, 2026, alongside BBCP and ATLO.

Why it matters — UCB watchers may note the stock’s inclusion in Zacks’ income-stocks list and its stated ranking.

New Strong Buy Stocks for October 22nd

Zacks Investment Research · 22 Oct 2026positive

Zacks Investment Research added UCB to its Zacks Rank #1 (Strong Buy) List on October 22, 2026.

Why it matters — The item reports that UCB was included on Zacks’ Strong Buy list.

FAQ

Frequently asked questions about UCB stock

What is the UCB stock price forecast for 2026-2027?

The 7 Wall Street analysts covering United Community Banks, Inc. have a median 12-month price target of $41, with estimates ranging from $38 to $43. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is UCB stock a buy right now?

Of the 7 analysts covering United Community Banks, Inc., 3 rate it a Buy, 4 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks United Community Banks, Inc. 33 out of 100 across roughly 4,600 US stocks as at 24 Oct 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank UCB?

As at 24 Oct 2026, United Community Banks, Inc. ranks 33 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Revisions (90 of 100).

Will UCB stock go up?

No one can know that. What the data says: the median 12-month target from 7 analysts implies +11.2% from the last close, and Ticker Nerd's factor model ranks United Community Banks, Inc. 33 out of 100 as at 24 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the UCB stock forecast for 2030?

No analyst covering United Community Banks, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for UCB are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $38 to $43 over the next 12 months.

How has UCB stock performed over the past year?

United Community Banks, Inc. returned +27.7% over the 12 months to 23 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.

What does United Community Banks, Inc. do?

United Community Banks, Inc. is a bank holding company that operates through United Community Bank, providing a broad range of financial services to individuals, businesses, and public-sector clients.

What is the latest news on UCB?

The most recent item we track (Zacks Investment Research, 23 Oct 2026): "Are You Looking for a Top Momentum Pick? Why United Community Banks (UCB) is a Great Choice". Zacks Investment Research poses the question of whether United Community Banks (UCB) has the characteristics of a top stock pick for momentum investors. The excerpt provides no further analysis or conclusion.

Company

About United Community Banks, Inc.

United Community Banks, Inc. is a bank holding company that operates through United Community Bank, providing a broad range of financial services to individuals, businesses, and public-sector clients. United Community Banks, Inc. offers deposit accounts, lending products, mortgage solutions, consumer banking, digital banking, credit cards, and investment-related services. Its business is organized around serving retail customers, commercial clients, and specialized industries such as government, education, energy, health care, and real estate. The company plays a regional banking role by supporting everyday banking needs, business financing, and treasury-related services across its markets. Headquartered in Greenville, South Carolina, United Community Banks, Inc. focuses on relationship-based banking and a diversified mix of products designed to meet personal and commercial financial needs.

CEO Mr. Herbert Lynn Harton · 3,070 employees · United States · https://www.ucbi.com