UCBI
Signal
Bullish Setup2
Price
1
Move+1.18%Positive session
Volume
1
Volume0.6× avgNormal activity
Technical
1
RSIRSI 11Oversold — bounce setup
PRICE
Prev Close
33.19
Open
33.36
Day Range33.09 – 33.71
33.09
33.71
52W Range27.23 – 36.77
27.23
36.77
67% of range
VOLUME & SIZE
Avg Volume
704.7K
FUNDAMENTALS
P/E Ratio
18.1x
EPS (TTM)
Div Yield
0.02%
Beta
0.79
Low vol
Quick Read
TrendInsufficient MA data
Momentum
BULLISH
revenue +41% YoY · 68% gross margin
Valuation
FAIR
P/E 18x vs ~20x sector
Health
MODERATE
CR 0.0 (low) · FCF $3.38/sh
Bullish
Key MetricsTTM
Market Cap$4.02B
Revenue TTM$1.09B
Net Income TTM$340.97M
Free Cash Flow$384.04M
Gross Margin68.0%
Net Margin22.0%
Operating Margin28.4%
Return on Equity9.4%
Return on Assets1.2%
Debt / Equity0.03
Current Ratio0.00
EPS TTM$2.83

Intelligence analysis not yet available for this stock. Full AI-powered analysis may be available on the intelligence page.

Health Radar
1 strong1 watch4 concern
24/100
Liquidity
0.00Concern
Leverage
0.03Strong
Coverage
1.0xConcern
ROE
9.4%Watch
ROIC
1.2%Concern
Cash
$203MConcern
ANALYST COVERAGE10 analysts
HOLD
-1.7%downside to target
L $26.00
Med $33.00consensus
H $35.00
Buy
220%
Hold
880%
2 Buy (20%)8 Hold (80%)0 Sell (0%)
Full report →
Stock Health
Composite Score
0 of 4 signals bullish
3/10
Technicals
RSI RangeRSI 11 — Oversold, watch for bounce
~
Fundamentals
Last EarningsMissed estimates
Analyst ConsensusHold
~
LiquidityCurrent Ratio 0.00 — liquidity risk

1 signal unavailable — limited data for this stock

Upcoming Events
EEarnings Report · Before OpenMay 7, 2026
Tomorrow
DEx-Dividend DateAug 4, 2026
In 90 days
PDividend PaymentAug 10, 2026
In 96 days
Technicals
Technical SetupBULLISH
Technicals →

Trend

UptrendGolden Cross · 50D leads 200D by 4.9%

+19.0% vs SMA 50 · +24.8% vs SMA 200

Momentum

RSI10.9
Oversold — potential bounce
MACD+3.27
Above zero — bullish momentum · expanding
Market Position
Price Levels
52W High
$36.77+9.5%
Current
$33.58
EMA 50
$28.45-15.3%
52W Low
$27.23-18.9%
EMA 200
$0.4261-98.7%
52-Week RangeMid-range
$27.2367th %ile$36.77
Earnings & Analysts

ANALYST ESTIMATES

Consensus of 7 analysts
Analyst revisions:EPS↑ Revised UpRevenue↑ Revised Up

Analyst consensus estimates · Actuals replace estimates as reported

YearRevenue Est.Rev GthEPS Est.EPS GthRangeAnalysts
FY2023
$828.9M
$828.9M$828.9M
$1.54
High5
FY2024
$978.8M
$974.9M$981.6M
+18.1%$2.25+45.7%
±4%
High7
FY2025
$1.0B
$1.0B$1.0B
+4.5%$2.39+6.2%
±3%
High7
Range confidence:Tight (high)ModerateWide (low)
Earnings HistoryUCBI
Last 8Q
-5.7%avg beat
Beat 3 of 8 quartersMissed 4 Estimates falling
-10%
Q1'23
-16%
Q2'23
-10%
Q3'23
Q4'23
+2%
Q1'24
+6%
Q2'24
+14%
Q3'24
-32%
Q4'24
Beat
Miss
Estimate
Deeper color = bigger beat/miss
Financials
Dividends2.95% yield
+2.6% avg annual growth
Annual Yield2.95%
Quarterly Div.$0.2300
Est. Annual / Share$0.92
FrequencyQuarterly
Q3'22
Q4'22
Q1'23
Q2'23
Q3'23
Q4'23
Q1'24
Q2'24

Dividend per payment — last 8 periods

INSTITUTIONAL OWNERSHIP

1
BlackRock Inc.
17.3M
2
ICA Group Wealth Management, LLC
76
3
CREDIT SUISSE AG/
114K
4
Cetera Advisor Networks LLC
14K
5
Bridgeworth, LLC
20K
6
Sutton Wealth Advisors Inc.
8K
7
Steward Financial Group LLC
75
8
PICTET ASSET MANAGEMENT SA
14K
News & Activity

UCBI News

20 articles · 4h ago

About

the bank that service built since 1950, united community bank has been dedicated to providing platinum-level service to our customers as the foundation of every relationship. known as the bank that service built℠, we are committed to improving the lives of residents in the communities we serve through this philosophy of delivering exceptional banking service. we carry an average rating of 96%* in customer satisfaction, the highest in the u.s. banking industry, and we operate as one of the strongest and most secure banks in the southeast. headquartered in blairsville, ga, we are the third-largest traditional bank holding company in the state with more than 100 locations throughout georgia, north carolina, tennessee and south carolina. we provide valuable products ranging from personal banking and mortgage services to small business administration loans and risk-management solutions to meet our customers' needs. when it comes to a better banking experience, united community bank

Industry
Monetary Authorities-Central Bank
CEO
H. Lynn Harton
Abraham A. CoxExecutive Vice President & Chief Marketing Officer
Alan H. KumlerChief Accounting Officer, Senior Vice President & Controller
Jefferson Lee HarralsonExecutive Vice President & Chief Financial Officer