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Southeast regional bank offering commercial, retail and wealth-management banking across Georgia, the Carolinas and Tennessee.
Southeast regional bank offering commercial, retail and wealth-management banking across Georgia, the Carolinas and Tennessee.
Earns mostly from the spread between loan interest and the cost of deposits, with fees from mortgages, wealth advice and service charges as a smaller layer. Based in Greenville, South Carolina, it has grown partly by buying other banks, including Tennessee's Reliant Bancorp in 2022.
Moat: narrow (scale, distribution). Dense Southeast branch network built through decades of local bank acquisitions.
Headquarters: Greenville, South Carolina, US · Founded: 1950 · Employees: 3,070
Size United Community Banks (UCB) is a United States Financials company (Regional Banks) with a market value of $4.43B, the 1276th largest of 3,117 United States companies the cockpit tracks. Shares closed at $36.99 on 6 Nov 2026.
Performance Over six months the shares gained 10.9%, against +8.5% for the median peer and -1.1% for the United States market (cap-weighted) — 9th highest of 21 in its peer set.
Growth Revenue fell 18.5% over the last twelve months (peer median +3.2%); the operating margin is 23.8% (peer median 44.4%).
Valuation It trades at 1.26× book value against a peer median of 1.36× (9th cheapest of 21).
Price implies The share price implies a return on equity of about 10.9%; United Community Banks delivers 4.1%, so the price asks more than the business earns today.
Short interest Short interest is 4.5% of the free float (15 Oct 2026).
Next results Next results expected around 19 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $1.24B | $1.53B | $1.49B | $1.31B | $942M |
| Revenue growth | — | +3% | +13% | +39% | — |
| Net income | $145M | $326M | $251M | $187M | $276M |
| Free cash flow | n/a | $338M | $327M | $239M | $420M |
| Capital expenditure | n/a | $27.6M | $47.0M | $72.5M | $42.7M |
| Total debt | $39.7M | $244M | $494M | $369M | $1.08B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| United Community Banks UCB | $4.43B | +11% | -18% | 4% | 1.26× | 10.9% |
| Renasant RNST | $3.55B | -2% | +20% | 9% | 0.93× | 9.5% |
| Ameris Bancorp ABCB | $5.49B | -5% | +3% | 9% | 1.33× | 12.1% |
| SouthState Bank SSB | $10.1B | +8% | +18% | 10% | 1.11× | 9.3% |
| ServisFirst Bancshares SFBS | $4.49B | +2% | +5% | 18% | 2.21× | 17.2% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | UCB | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +10.2% | +5.5% | 3rd highest of 21 |
| 6-month return | +10.9% | +8.5% | 9th highest of 21 |
| Return on equity | 4.1% | 11.0% | 2nd lowest of 21 |
| Price / book | 1.26× | 1.36× | 9th cheapest of 21 |
| Trailing P/E | 31.1× | 12.2× | most expensive of 19 |
| ROE the price implies | 10.9% | 10.4% | 10th least demanding of 19 |
| ROE delivered | 4.1% | 10.9% | 2nd lowest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| United Community Banks UCB | United States | $4.43B | +11% | -18% | 4% | 1.26× | 10.9% | 4.1% |
| ServisFirst Bancshares SFBS | United States | $4.49B | +2% | +5% | 18% | 2.21× | 17.2% | 17.9% |
| Bendigo & Adelaide Bank BEN.AX | Australia | $4.36B | +5% | -6% | 6% | 0.93× | 11.0% | 5.6% |
| Alior Bank ALR.WA | Poland | $4.59B | +15% | -7% | 16% | 1.42× | 20.0% | 15.6% |
| Cathay General Bancorp CATY | United States | $4.24B | +12% | +3% | 12% | 1.39× | 11.8% | 12.2% |
| International Bancshares IBOC | United States | $4.20B | -8% | +2% | 13% | 1.25× | 9.8% | 12.9% |
| Bank of Qingdao 002948.SZ | China | $4.78B | +3% | +3% | 13% | 0.85× | 5.0% | 12.9% |
| Bank Handlowy w Warszawie BHW.WA | Poland | $4.09B | +7% | -22% | 17% | 1.72× | 17.1% | 16.7% |
| Noba Bank NOBA.ST | Sweden | $4.81B | +20% | +6% | 17% | 1.82× | 6.9% | 17.0% |
| Zuger Kantonalbank ZUGER.SW | Switzerland | $4.04B | +8% | -10% | 8% | 2.03× | n/a | 8.3% |
| CVB Financial CVBF | United States | $3.99B | +12% | +23% | 9% | 1.27× | 9.8% | 8.6% |
| Independent Bank INDB | United States | $3.94B | +8% | +25% | 9% | 1.14× | 9.5% | 9.3% |
| First Bancorp FBP | United States | $3.92B | +8% | +3% | 19% | 2.09× | 15.7% | 19.4% |
| Hirogin 7337.T | Japan | $3.89B | +9% | +26% | 8% | 0.99× | 7.4% | 8.2% |
| Berner Kantonalbank BEKN.SW | Switzerland | $5.07B | +17% | -4% | 7% | 1.34× | n/a | 6.6% |
| BancFirst BANF | United States | $3.87B | +2% | -3% | 14% | 1.94× | 12.7% | 13.6% |
| Karur Vysya Bank KARURVYSYA.NS | India | $3.80B | +18% | +14% | 21% | 2.32× | 30.7% | 21.0% |
| EQB EQB.TO | Canada | $3.79B | +3% | -4% | 0% | 1.44× | 12.8% | -0.1% |
| Eastern Bankshares EBC | United States | $5.22B | +14% | +61% | 10% | 1.23× | 9.6% | 9.5% |
| Chugin Financial Group,Inc 5832.T | Japan | $3.76B | +10% | +34% | 8% | 0.86× | 6.5% | 8.3% |
| Hokuhoku Financial 8377.T | Japan | $5.25B | +53% | +27% | 10% | 1.10× | 7.7% | 9.7% |