United Community Banks, Inc. (UCB) Stock Price & Analysis
United Community Banks, Inc. (UCB) closed at USD 34.05 on Thursday, October 15, 2026, up 2.68% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 33.16; the Oct 15, 2026 session ranged USD 33.31–34.06 on volume of 1,127,279 shares. Market capitalization is $4.08B, with a 52-week range of USD 28.65–37.18 (NYQ). Source: Nexqual, retrieved October 16, 2026 at 05:58 UTC.
Also available as compact Markdown for AI agents: nexqual.com/UCB.md
Key facts (UCB)
- Analysts: Buy (mean 2.43 on a 1–5 scale) (7 analysts), mean target USD 40.17 (range 38–42).
- Total return with dividends: 1Y +19.1% vs S&P 500 +18.1%; 5Y +17.1% vs S&P 500 +85.1%.
- Next earnings: 2026-10-20, EPS estimate USD 0.77, revenue estimate $282M.
Analysts (UCB)
Consensus Buy (mean 2.43 on a 1–5 scale), 7 analysts; mean target USD 40.17 (low 38, high 42).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-09-16 | Keefe, Bruyette & Woods | Target raised | Outperform | $40 → $41 |
| 2026-09-09 | DA Davidson | Target raised | Buy | $40 → $42 |
| 2026-09-09 | Piper Sandler | Target raised | Neutral | $37 → $38 |
| 2026-07-22 | DA Davidson | Maintained | Buy | $40 |
Total return (dividends reinvested) (UCB)
| 1Y (from 2025-10-16) | 5Y (from 2021-10-11) | |
|---|---|---|
| Total return | +19.1% | +17.1% |
| S&P 500 (SPY) | +18.1% | +85.1% |
| Per year | +19.2% | +3.2% |
| Volatility (annualized) | 22.8% | 30.3% |
| Max drawdown | -17.9% (Feb 2026→Mar 2026) | -45.2% (Nov 2022→May 2023) |
Key Statistics (as of October 16, 2026 at 05:58 UTC)
| Price | USD 34.05 |
|---|---|
| Change | ▲ 2.68% (up) |
| Previous Close | USD 33.16 |
| Open | USD 33.5 |
| Day Range | USD 33.31 – 34.06 |
| 52-Week Range | USD 28.65 – 37.18 |
| Volume | 1,127,279 shares |
| Market Cap | $4.08B |
| Exchange | NYQ |
Technical Analysis (UCB)
Nexqual's technical model rates UCB "NEUTRAL" based on 2 bullish and 3 bearish signals across 127 daily candles, as of October 16, 2026 at 05:58 UTC.
| Overall Signal | NEUTRAL |
|---|---|
| RSI (14) | 50.24 (neutral) |
| vs SMA50 | Below (USD 34.81) |
| MACD | -0.36 (negative) |
Analyst Ratings (UCB)
Wall Street analysts rate UCB "Buy" based on 7 analysts, with a mean price target of USD 40.17 (range USD 38–42), per Nexqual as of October 16, 2026 at 05:58 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 7 |
| Mean Target | USD 40.17 |
| High Target | USD 42 |
| Low Target | USD 38 |
| Buy / Hold / Sell | 3 / 4 / 0 |
Earnings (UCB)
| Next Earnings Date | 2026-10-20 |
|---|---|
| EPS Estimate | USD 0.77 |
| Revenue Estimate | $282.12M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.71 vs est 0.81 ▼ miss |
| 2026-03-31 | USD 0.7 vs est 0.7 ▲ beat |
| 2025-12-31 | USD 0.71 vs est 0.71 ▼ miss |
| 2025-09-30 | USD 0.75 vs est 0.7 ▲ beat |
Source: Nexqual, October 16, 2026 at 05:58 UTC.
Financials & Fundamentals (UCB)
| Total Revenue | $1.11B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +24.40% |
| Gross Margin | +0.00% |
| Operating Margin | +50.90% |
| Profit Margin | +34.09% |
| ROE | +10.27% |
| Total Cash | $573.59M |
| Total Debt | $1.23B |
Source: Nexqual, October 16, 2026 at 05:58 UTC.
Financial Health Score (UCB)
Nexqual rates United Community Banks, Inc.'s overall financial health "Mixed" across five dimensions, as of October 16, 2026 at 05:58 UTC.
| Growth | Solid — Revenue +9% YoY (annual) |
|---|---|
| Profitability | Critical — Gross margin 0% |
| Balance Sheet | Mixed — $574M cash vs $1.23B debt |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: State Commercial Banks) |
| Efficiency | Mixed — ROE 10%, ROA 1.3% |
Ownership (UCB)
| Insider Ownership | +0.44% |
|---|---|
| Institutional Ownership | +88.90% |
| Shares Outstanding | 119.76M |
| Float | 119.92M |
| Short % of Float | +6.01% |
Source: Nexqual, October 16, 2026 at 05:58 UTC.
Leadership (UCB)
United Community Banks, Inc. is led by Herbert Lynn Harton (age 63), President, Chairman & CEO, per Nexqual as of October 16, 2026 at 05:58 UTC.
| President, Chairman & CEO | Herbert Lynn Harton (age 63) |
|---|---|
| President & Chief Banking Officer | Richard William Bradshaw (age 63) |
| Executive VP & CFO | Tom H. Speir (age 43) |
Major Backers & Investors (UCB)
Notable institutional backers of United Community Banks, Inc. include FMR, LLC, Neuberger Berman Group, LLC, Fidelity, according to Nexqual as of October 16, 2026 at 05:58 UTC.
Active Investors
| Investor | Stake |
|---|---|
| FMR, LLC | 6.66% |
| Neuberger Berman Group, LLC | 4.63% |
| Fidelity | 3.19% |
| Earnest Partners LLC | 2.68% |
| Invesco | 1.84% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 22.9% |
| Vanguard Group | 19.24% |
| Dimensional Fund Advisors | 5.51% |
| State Street | 5.42% |
| Geode Capital | 2.59% |
Source: Nexqual, October 16, 2026 at 05:58 UTC.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| BBD | Banco Bradesco Sa | USD 4.03 | ▼ 3.82% |
| FITB | Fifth Third Bancorp | USD 50.35 | ▲ 0.26% |
| TFC | Truist Financial Corporation | USD 46.57 | ▲ 1.42% |
| DB | Deutsche Bank AG | USD 32.86 | ▼ 1.44% |
| NWG | NatWest Group plc | USD 17.47 | ▼ 1.02% |
| NU | Nu Holdings Ltd. | USD 14.73 | ▼ 5.46% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 16, 2026 at 05:58 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt