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UCB

United Community Banks, Inc.

Financial Services · $4.2B market cap

Verdict

Share price

$34.11

close of Oct 3, 2026

Fair value

$41.99

Sticker Price

Payback Price

$16.80

buy price

Undervalued

UCB is Undervalued: at $34.11 it trades 19% below its fair value of $41.99. Its buy price (Payback Price) is $16.80, 51% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth9.9% a year✗
Equity per share growth3.5% a year✗
Sales growth7.6% a year✗
Free cash flow growth7.7% a year✗
Return on invested capital3.9%✗

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Insider activity

Since Jul 24, 2026: 1 open-market purchase worth $74K, 3 sales worth $935K and 9 other filings (stock awards, tax withholding and similar). Why purchases matter

Purchases

Carande Carl Steven

director · 2026-08-10

Bought

$74K

Sales

HARRALSON JEFFERSON L

EVP, CFO · 2026-07-28

Sold

$885K

BRADSHAW RICHARD

EVP, Chief Banking Officer · 2026-07-27

Sold

$70

BRADSHAW RICHARD

EVP, Chief Banking Officer · 2026-07-27

Sold

$50K

Other filings

Speir Thomas Hardaway

EVP, CFO · 2026-09-08

Award

12,752 shares

KUMLER ALAN H

SVP, Chief Accounting Officer · 2026-09-01

Award

2,932 shares

KUMLER ALAN H

SVP, Chief Accounting Officer · 2026-08-15

Tax withholding

$19K

Carande Carl Steven

director · 2026-08-01

Award

1,588 shares

EDWARDS ROBERT A.

EVP, Chief Risk Officer · 2026-07-29

G-Gift

1,500 shares

Show all 9 other filings

JAMES JOHN MARC

director · 2026-07-24

G-Gift

2,526 shares

RICHLOVSKY THOMAS A

director · 2026-07-24

G-Gift

2,526 shares

Bazante Jennifer M.

director · 2026-07-24

G-Gift

2,526 shares

DANIELS KENNETH L

director · 2026-07-24

G-Gift

2,526 shares

About United Community Banks, Inc.

United Community Banks, Inc. functions as the parent entity for United Community Bank, through which it delivers a comprehensive array of financial solutions. These offerings cater to a diverse clientele, encompassing commercial enterprises, individual consumers, governmental bodies, educational institutions, and entities within the energy, healthcare, and real estate industries. Its core banking activities include…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works