📊 UCB Key Takeaways
Is United Community Banks Inc. (UCB) a Good Investment?
United Community Banks faces fundamental deterioration despite margin strength. Revenue collapsed 23.1% YoY while returns on equity (2.3%) and assets (0.3%) remain critically depressed for a regional bank, indicating severe capital inefficiency. Interest coverage of 0.4x signals operating income cannot service debt, exposing structural profitability challenges.
United Community Banks Inc. Key Strengths (UCB)
- Strong net profit margin of 30.5% demonstrates operational cost discipline
- Net income growing 3.1% YoY despite significant revenue decline shows cost management resilience
- EPS growth of 28.4% suggests share count reduction or earnings per unit improvement
- Conservative capital structure with Debt/Equity of 0.03x indicates fortress balance sheet
- Positive free cash flow of $62.4M with 22.6% FCF margin provides liquidity cushion
UCB Stock Risks: United Community Banks Inc. Investment Risks
- Return on Equity of 2.3% is critically low for a $3.7B equity base; regional banks typically target 10-15% ROE
- Return on Assets of 0.3% indicates severe capital inefficiency relative to $28.2B asset base
- Revenue decline of 23.1% YoY signals deteriorating core banking operations or adverse rate environment
- Interest coverage of 0.4x means operating income cannot cover interest expenses, indicating structural earnings pressure
- 18 insider Form 4 filings in 90 days may signal executive uncertainty or hedging behavior
Key Metrics to Watch
- Net Interest Margin trend - declining revenue suggests NIM compression or portfolio contraction
- Return on Equity trajectory - must recover toward 8-10%+ to signal operational recovery
- Loan loss provisions and non-performing asset ratio - credit quality deterioration would compound revenue weakness
- Core deposit growth and customer acquisition - assess competitive position sustainability
United Community Banks Inc. (UCB) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 22.6% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
UCB Profit Margin, ROE & Profitability Analysis
UCB vs Finance Sector: How United Community Banks Inc. Compares
How United Community Banks Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is United Community Banks Inc. Stock Overvalued? UCB Valuation Analysis 2026
Based on fundamental analysis, United Community Banks Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
United Community Banks Inc. Balance Sheet: UCB Debt, Cash & Liquidity
UCB Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: United Community Banks Inc.'s revenue has grown significantly by 43% over the 5-year period, indicating strong business expansion. The most recent EPS of $1.54 reflects profitable operations.
UCB Revenue Growth, EPS Growth & YoY Performance
UCB Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $247.7M | $71.4M | $0.58 |
| Q3 2025 | $217.3M | $47.3M | $0.38 |
| Q2 2025 | $245.3M | $66.6M | $0.54 |
| Q1 2025 | $238.7M | $62.6M | $0.51 |
| Q3 2024 | $202.8M | $47.3M | $0.38 |
| Q2 2024 | $213.9M | $63.3M | $0.53 |
| Q1 2024 | $219.9M | $62.3M | $0.51 |
| Q3 2023 | $204.3M | $47.9M | $0.39 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
United Community Banks Inc. Dividends, Buybacks & Capital Allocation
UCB SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for United Community Banks Inc. (CIK: 0000857855)
📋 Recent SEC Filings
❓ Frequently Asked Questions about UCB
What is the AI rating for UCB?
United Community Banks Inc. (UCB) has an AI grade of C with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are UCB's key strengths?
Claude: Strong net profit margin of 30.5% demonstrates operational cost discipline. Net income growing 3.1% YoY despite significant revenue decline shows cost management resilience.
What are the risks of investing in UCB?
Claude: Return on Equity of 2.3% is critically low for a $3.7B equity base; regional banks typically target 10-15% ROE. Return on Assets of 0.3% indicates severe capital inefficiency relative to $28.2B asset base.
What is UCB's revenue and growth?
United Community Banks Inc. reported revenue of $276.5M.
Does UCB pay dividends?
United Community Banks Inc. pays dividends, with $30.6M distributed to shareholders in the trailing twelve months.
Where can I find UCB SEC filings?
Official SEC filings for United Community Banks Inc. (CIK: 0000857855) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is UCB's EPS?
United Community Banks Inc. has a diluted EPS of $0.69.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is UCB's fundamental grade?
Based on our AI fundamental analysis in June 2026, United Community Banks Inc. has a C grade with 72% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is UCB stock overvalued or undervalued?
Valuation metrics for UCB: ROE of 2.3% (sector avg: 12%), net margin of 30.5% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is UCB's AI grade for 2026?
Our dual AI analysis gives United Community Banks Inc. a combined C grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is UCB's free cash flow?
United Community Banks Inc.'s operating cash flow is $69.3M, with capital expenditures of $6.9M. FCF margin is 22.6%.
How does UCB compare to other Finance stocks?
Vs Finance sector averages: Net margin 30.5% (avg: 25%), ROE 2.3% (avg: 12%), current ratio N/A (avg: 1.2).