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UCBUCBFinancial Services · Banks - Regional

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

Last close, 2 Oct 2026
$34
+1.01% on the day

The 7 Wall Street analysts covering United Community Banks, Inc. hold a median 12-month price target of $41 — +18.7% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 61 of 100 as at 2 Oct 2026 — in the upper half.

Market cap
$4.1B
Ticker Nerd rank
61 / 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
−0.4%
1M
−1.7%
YTD
+11.8%
1Y
+12.9%
From 52W high
−7.4%
From 52W low
+21.5%
$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 2 Oct 2026
61 / 100

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

Growth
78
Revisions
75
Quality
69
Value
66
Momentum
55
Issuance
44
Volatility
40
Accruals
35
Size
26

Growth (78): Sales and profits are climbing, and climbing faster than before.

Accruals (35): A large share of reported profit has not shown up as cash, or the balance sheet is expanding quickly — both tend to unwind.

Size (26): Larger than most of the companies we track — more scrutinised, less often mispriced.

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 $42Median $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 $42

The green dot is the last close — the median target sits +18.7% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 4 moved their price target up and 1 moved it down.

DateFirmActionRatingTarget
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—
30 Apr 2025Keefe, Bruyette & WoodsMaintainsMarket 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.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. UCB appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

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 2 Oct 2026, United Community Banks, Inc. returned +12.9% against +16.2% for the S&P 500, dividends included.

UCB vs S&P 500, last 12 monthsTotal return, rebased to 100
95100105110115120Jan 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
−3.9%
Analysts raising
0
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
11.1×

Cheaper than 55% of US stocks

Price / sales
3.7×

Cheaper than 33% of US stocks

Price / book
1.1×

Cheaper than 69% of US stocks

EV / EBITDA
—
Growth & margins
Revenue growth (YoY)
24.4%

Higher than 74% of US stocks

Earnings growth (YoY)
46.9%

Higher than 73% of US stocks

Gross margin
—
Operating margin
50.9%

Higher than 96% of US stocks

Net margin
34.1%

Higher than 92% of US stocks

Returns & dividend
Return on equity
10.3%

Higher than 64% of US stocks

Return on assets
1.3%

Higher than 53% of US stocks

Dividend yield
3.0%

Higher than 63% 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 $4.1B and an enterprise value of $4.7B.

  • Revenue in the twelve months to 30 June 2026: $1.1B. The latest quarter grew 24.4% 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: 11.1×; forward P/E: 10.2× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 3.05%, paying out 33% of earnings.

  • United Community Banks, Inc. employs 3,141 people — $346K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 2 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.$4.1B
61
WSFSWSFS Financial Corp.$4.1B
83
CATYCathay General Bancorp$4.1B
86
FBPFirst BanCorp (Puerto Rico)$4.2B
94
CVBFCVB Financial Corp.$3.9B
27
TCBITexas Capital Bancshares, Inc.$4.3B
54
INDBIndependent Bank Corp. (Massachusetts)$3.9B
38

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

Why United Community Banks (UCB) is a Great Dividend Stock Right Now

Zacks Investment Research · 1 Oct 2026positive

Zacks Investment Research has highlighted United Community Banks (UCB) as a strong dividend stock, examining whether it meets the criteria for a great dividend investment. The article notes that dividends are a key benefit for shareholders and positions UCB as a company to watch in this regard.

Why it matters — For UCB watchers, this recognition underscores the bank's appeal as a dividend-paying stock, a factor relevant to income-focused investors tracking the company.

United Community Banks, Inc. Announces Date for Third Quarter 2026 Earnings Release and Conference Call

GlobeNewsWire · 30 Sept 2026neutral

United Community Banks, Inc. announced it will release its third quarter 2026 financial results on Tuesday, October 20, 2026, before the stock market opens. The company will also hold a conference call at 8:30 a.m. ET that day to discuss its financial results, business highlights, and outlook.

Why it matters — UCB watchers will want to note the scheduled date and time for the company's upcoming earnings release and conference call so they can plan to review its third quarter results.

United Community Bank Foundation nears $3 million in community giving, marks milestone anniversary

PRNewsWire · 29 Sept 2026positive

The United Community Bank Foundation is marking its fifth anniversary, reporting that it has awarded 1,146 grants totaling nearly $3 million to 753 organizations across its Southeast footprint to build stronger communities.

Why it matters — This milestone reflects United Community Banks' community engagement and charitable impact across its operating region, which may be of interest to those tracking the company's broader footprint and reputation.

Why United Community Banks (UCB) is a Top Dividend Stock for Your Portfolio

Zacks Investment Research · 15 Sept 2026positive

Zacks Investment Research highlighted United Community Banks (UCB) as a top dividend stock for investor portfolios. The article discusses the appeal of dividends for shareholders and evaluates whether UCB qualifies as a strong dividend pick.

Why it matters — UCB watchers would care because the item positively spotlights the bank's dividend appeal, which is a key factor for income-focused investors following the company.

United Community Banks, Inc. (UCB) Discusses Completion of Strategic Initiatives and Sale of Navitas to Strengthen Financial Position Transcript

Seeking Alpha · 8 Sept 2026neutral

United Community Banks, Inc. discussed the completion of strategic initiatives and the sale of its Navitas business as part of efforts to strengthen its financial position. The transcript covers these recent corporate actions and their implications for the company.

Why it matters — UCB watchers would care because the completed initiatives and Navitas divestiture reflect a deliberate shift aimed at reinforcing the company's balance sheet.

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 $42. 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. 61 out of 100 across roughly 4,600 US stocks as at 2 Oct 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank UCB?

As at 2 Oct 2026, United Community Banks, Inc. ranks 61 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 Growth (78 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 +18.7% from the last close, and Ticker Nerd's factor model ranks United Community Banks, Inc. 61 out of 100 as at 2 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 $42 over the next 12 months.

How has UCB stock performed over the past year?

United Community Banks, Inc. returned +12.9% over the 12 months to 2 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, 1 Oct 2026): "Why United Community Banks (UCB) is a Great Dividend Stock Right Now". Zacks Investment Research has highlighted United Community Banks (UCB) as a strong dividend stock, examining whether it meets the criteria for a great dividend investment. The article notes that dividends are a key benefit for shareholders and positions UCB as a company to watch in this regard.

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 · 3,141 employees · United States · https://www.ucbi.com