Tearsheet

United Community Banks (UCB)


Market Price (6/22/2026): $32.85 | Market Cap: $4.0 BilSector: Financials | Industry: Regional Banks

United Community Banks (UCB)


Market Price (6/22/2026): $32.85
Market Cap: $4.0 Bil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 3.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.4%, FCF Yield is 8.2%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -100%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 33%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 30%

Low stock price volatility
Vol 12M is 26%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending.

Weak multi-year price returns
3Y Excs Rtn is -35%

Key risks
UCB key risks include [1] potential credit deterioration within its concentrated commercial real estate (CRE) and specialized lending portfolios.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 3.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.4%, FCF Yield is 8.2%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -100%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 33%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 30%
3 Low stock price volatility
Vol 12M is 26%
4 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending.
5 Weak multi-year price returns
3Y Excs Rtn is -35%
6 Key risks
UCB key risks include [1] potential credit deterioration within its concentrated commercial real estate (CRE) and specialized lending portfolios.

UCB in ETFs

Weight = UCB's share of each fund

VTI0.01%
ITOT0.00%
IWM0.12%
IJR0.23%
VIG0.02%
VYM0.02%
VB0.05%
KRE0.97%
+17 more covered ETFs

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 6/10/2026

United Community Banks (UCB) stock has gained about 5% since 2/28/2026 because of the following key factors:

1. Strong Fiscal Q1 2026 Financial Performance. United Community Banks reported an operating earnings per share (EPS) of $0.70 for fiscal Q1 2026, reflecting a 19% increase compared to fiscal Q1 2025. This performance was further bolstered by a 3 basis point expansion in its net interest margin to 3.65%, marking the fifth consecutive quarter of margin growth.

2. Favorable Analyst Sentiment and Raised Price Targets. During the specified period, several Wall Street analysts provided positive revisions for UCB. Notably, Keefe, Bruyette & Woods upgraded United Community Banks from "market perform" to "outperform" and increased its price target from $36.00 to $40.00 on April 9, 2026. Stephens also raised its price target from $39.00 to $40.00 with an "overweight" rating on April 28, 2026. This contributed to an average "Moderate Buy" consensus rating among eight research firms, with an average 12-month price target of $38.40.

Show more
Updated on 6/10/2026

United Community Banks (UCB) stock has gained about 5% since 2/28/2026 because of the following key factors:

1. Strong Fiscal Q1 2026 Financial Performance. United Community Banks reported an operating earnings per share (EPS) of $0.70 for fiscal Q1 2026, reflecting a 19% increase compared to fiscal Q1 2025. This performance was further bolstered by a 3 basis point expansion in its net interest margin to 3.65%, marking the fifth consecutive quarter of margin growth.

2. Favorable Analyst Sentiment and Raised Price Targets. During the specified period, several Wall Street analysts provided positive revisions for UCB. Notably, Keefe, Bruyette & Woods upgraded United Community Banks from "market perform" to "outperform" and increased its price target from $36.00 to $40.00 on April 9, 2026. Stephens also raised its price target from $39.00 to $40.00 with an "overweight" rating on April 28, 2026. This contributed to an average "Moderate Buy" consensus rating among eight research firms, with an average 12-month price target of $38.40.

3. Robust Shareholder Capital Return Initiatives. The company actively returned capital to shareholders, repurchasing $37 million of its common stock during fiscal Q1 2026, which equated to approximately 1.1 million shares or just under 1% of shares outstanding. Additionally, United Community Banks declared a consistent quarterly dividend of $0.25 per share.

4. Strategic Acquisition for Enhanced Market Presence. The announced acquisition of Peach State Bancshares, which is anticipated to close in fiscal Q3 2026, provided a positive outlook for future growth and market expansion for United Community Banks.

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Stock Movement Drivers

Fundamental Drivers

The 3.7% change in UCB stock from 2/28/2026 to 6/21/2026 was primarily driven by a 2.6% change in the company's Total Revenues ($ Mil).
(LTM values as of)22820266212026Change
Stock Price ($)31.6732.853.7%
Change Contribution By: 
Total Revenues ($ Mil)1,0411,0682.6%
Net Income Margin (%)31.5%31.9%1.3%
P/E Multiple11.711.6-1.2%
Shares Outstanding (Mil)1221201.0%
Cumulative Contribution3.7%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2026 to 6/21/2026
ReturnCorrelation
UCB3.7% 
Market (SPY)9.2%33.6%
Sector (XLF)4.7%58.0%

Fundamental Drivers

The 10.0% change in UCB stock from 11/30/2025 to 6/21/2026 was primarily driven by a 5.5% change in the company's Total Revenues ($ Mil).
(LTM values as of)113020256212026Change
Stock Price ($)29.8632.8510.0%
Change Contribution By: 
Total Revenues ($ Mil)1,0131,0685.5%
Net Income Margin (%)31.3%31.9%1.9%
P/E Multiple11.511.61.1%
Shares Outstanding (Mil)1221201.3%
Cumulative Contribution10.0%

LTM = Last Twelve Months as of date shown

Market Drivers

11/30/2025 to 6/21/2026
ReturnCorrelation
UCB10.0% 
Market (SPY)9.9%31.3%
Sector (XLF)1.3%60.2%

Fundamental Drivers

The 18.9% change in UCB stock from 5/31/2025 to 6/21/2026 was primarily driven by a 14.7% change in the company's Net Income Margin (%).
(LTM values as of)53120256212026Change
Stock Price ($)27.6332.8518.9%
Change Contribution By: 
Total Revenues ($ Mil)9391,06813.8%
Net Income Margin (%)27.8%31.9%14.7%
P/E Multiple12.711.6-8.6%
Shares Outstanding (Mil)120120-0.4%
Cumulative Contribution18.9%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2025 to 6/21/2026
ReturnCorrelation
UCB18.9% 
Market (SPY)28.1%40.1%
Sector (XLF)6.7%64.5%

Fundamental Drivers

The 61.8% change in UCB stock from 5/31/2023 to 6/21/2026 was primarily driven by a 44.5% change in the company's P/E Multiple.
(LTM values as of)53120236212026Change
Stock Price ($)20.3132.8561.8%
Change Contribution By: 
Total Revenues ($ Mil)9061,06817.9%
Net Income Margin (%)32.2%31.9%-0.9%
P/E Multiple8.011.644.5%
Shares Outstanding (Mil)115120-4.2%
Cumulative Contribution61.8%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2023 to 6/21/2026
ReturnCorrelation
UCB61.8% 
Market (SPY)85.7%52.4%
Sector (XLF)77.0%71.4%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
UCB Return29%-3%-10%14%-0%6%35%
Peers Return27%11%1%26%10%5%106%
S&P 500 Return27%-19%24%23%16%8%98%

Monthly Win Rates [3]
UCB Win Rate67%42%42%42%58%33% 
Peers Win Rate73%54%52%58%58%47% 
S&P 500 Win Rate75%42%67%75%67%50% 

Max Drawdowns [4]
UCB Max Drawdown-23%-28%-39%-17%-31%-18% 
Peers Max Drawdown-25%-21%-37%-15%-24%-16% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: SSB, FHN, PNFP, ABCB, HOMB.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 6/18/2026 (YTD)

How Low Can It Go

EventUCBS&P 500
2025 US Tariff Shock
  % Loss-28.4%-18.8%
  % Gain to Breakeven39.6%23.1%
  Time to Breakeven133 days79 days
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-22.2%-9.5%
  % Gain to Breakeven28.6%10.5%
  Time to Breakeven47 days24 days
2023 SVB Regional Banking Crisis
  % Loss-35.3%-6.7%
  % Gain to Breakeven54.6%7.1%
  Time to Breakeven437 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-21.7%-24.5%
  % Gain to Breakeven27.7%32.4%
  Time to Breakeven57 days427 days
2020 COVID-19 Crash
  % Loss-43.7%-33.7%
  % Gain to Breakeven77.6%50.9%
  Time to Breakeven267 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-27.3%-19.2%
  % Gain to Breakeven37.5%23.8%
  Time to Breakeven49 days105 days

Compare to SSB, FHN, PNFP, ABCB, HOMB

In The Past

United Community Banks's stock fell -28.4% during the 2025 US Tariff Shock. Such a loss loss requires a 39.6% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventUCBS&P 500
2025 US Tariff Shock
  % Loss-28.4%-18.8%
  % Gain to Breakeven39.6%23.1%
  Time to Breakeven133 days79 days
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-22.2%-9.5%
  % Gain to Breakeven28.6%10.5%
  Time to Breakeven47 days24 days
2023 SVB Regional Banking Crisis
  % Loss-35.3%-6.7%
  % Gain to Breakeven54.6%7.1%
  Time to Breakeven437 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-21.7%-24.5%
  % Gain to Breakeven27.7%32.4%
  Time to Breakeven57 days427 days
2020 COVID-19 Crash
  % Loss-43.7%-33.7%
  % Gain to Breakeven77.6%50.9%
  Time to Breakeven267 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-27.3%-19.2%
  % Gain to Breakeven37.5%23.8%
  Time to Breakeven49 days105 days
2015-2016 China Devaluation / Global Growth Scare
  % Loss-22.6%-12.2%
  % Gain to Breakeven29.2%13.9%
  Time to Breakeven200 days62 days
2011 US Debt Ceiling Crisis & European Contagion
  % Loss-32.5%-17.9%
  % Gain to Breakeven48.2%21.8%
  Time to Breakeven478 days123 days
2010 Eurozone Sovereign Debt Crisis / Flash Crash
  % Loss-46.9%-15.4%
  % Gain to Breakeven88.4%18.2%
  Time to Breakeven2320 days125 days

Compare to SSB, FHN, PNFP, ABCB, HOMB

In The Past

United Community Banks's stock fell -28.4% during the 2025 US Tariff Shock. Such a loss loss requires a 39.6% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About United Community Banks (UCB)

United Community Banks, Inc. (UCB) operates as a regional financial holding company for United Community Bank, serving clients primarily across Florida, Georgia, North Carolina, South Carolina, and Tennessee through its network of 171 branches. The company acts as a full-service community bank, offering a comprehensive suite of financial products and services to individuals, businesses, and various public sectors.

UCB's core business centers on traditional banking operations, including accepting a variety of deposit products like checking, savings, and money market accounts. Its lending services are extensive, encompassing real estate, consumer, and commercial loans for individuals, small to mid-sized businesses, and non-profit organizations. UCB also provides secured, unsecured, and mortgage loans, and originates specialized loans partially guaranteed by government programs such as the SBA and USDA.

Beyond standard banking, UCB diversifies its offerings with wealth management services, including financial planning, portfolio management, investment advice, and trust services. The company also provides non-deposit investment products, insurance (life and long-term care), and engages in activities such as payment processing, merchant services, private banking, and strategic investments in various securities. UCB's broad customer base spans commercial, retail, government, education, energy, health care, and real estate sectors.

AI Analysis | Feedback

1. Think of it as the 'Bank of America of the Southeast,' but with a more community-focused approach.

2. It's like a community-focused Truist Financial for individuals and businesses across the Southeastern U.S.

3. The 'Walmart of banking' for communities across the Southeastern U.S., offering a broad array of financial services.

AI Analysis | Feedback

  • Deposit Accounts: Provides various accounts including checking, savings, and money market options for individuals and businesses.
  • Loan Products: Offers a range of real estate, consumer, and commercial loans, including SBA and USDA guaranteed programs.
  • Wealth Management: Delivers financial planning, customized portfolio management, and investment advice services.
  • Trust Services: Manages fiduciary assets for clients.
  • Insurance Products: Sells life, long-term care, tax-deferred annuities, and provides reinsurance on property contracts.
  • Brokerage Services: Facilitates investment transactions for clients.
  • Payment Processing & Merchant Services: Enables businesses to process payments and accept various forms of transactions.
  • Wire Transfer Services: Provides electronic funds transfer services.
  • Private Banking: Offers specialized financial services tailored for affluent clients.

AI Analysis | Feedback

United Community Banks (UCB) primarily serves a diverse range of customers, including individuals, commercial businesses, and non-profit organizations across the communities where it operates. Based on the company description, its major customer categories are:

  • Individuals (Retail Customers): This category includes individuals utilizing services such as checking, savings, and money market accounts; consumer loans and mortgage loans; wealth management services including financial planning, customized portfolio management, and investment advice; trust services; and various insurance products.
  • Commercial Businesses: This is a broad category encompassing small and mid-sized commercial businesses, as well as entities within specific sectors like real estate, government, education, energy, and health care. They are served with commercial loans, SBA and USDA loan programs, payment processing, merchant services, and other related financial services.
  • Non-profit Organizations: The company explicitly offers lending services to non-profit organizations.

AI Analysis | Feedback

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AI Analysis | Feedback

H. Lynn Harton Chairman and CEO

H. Lynn Harton joined United Community Banks in 2012 as Chief Operating Officer, progressing to President in 2015, CEO of the bank in 2017, and CEO of the holding company in 2018, before being named Chairman in 2019. Prior to his tenure at United Community Banks, Mr. Harton served as Executive Vice President and Head of Commercial Banking-South for TD Bank, N.A. from 2010 to 2012. Notably, he was President and CEO of The South Financial Group (TSFG) from 2009 to 2010, and also its Chief Risk and Chief Credit Officer from 2007 to 2009. During his time at TSFG, he was instrumental in raising capital during the 2008 financial crisis, negotiating the sale of the company to TD Bank, and overseeing its subsequent integration. His extensive career, which began in 1983, includes various executive positions at BB&T, Union Planters Corporation, and Regions Financial Corporation.

Jefferson Harralson Chief Financial Officer

Jefferson Harralson serves as the Executive Vice President and Chief Financial Officer of United Community Banks, Inc., a role he assumed in 2017. He brings over 25 years of experience in the financial services industry. Before joining United Community Banks, Mr. Harralson was a managing director at Keefe, Bruyette and Woods (KBW), a New York-based investment bank that specializes in financial institutions. He started at KBW as a vice president in 2002, where he was tasked with rebuilding the firm's Southeastern Bank Research efforts. He also led KBW's small and mid-sized bank research team and served as the associate director of research for the entire firm. His career has predominantly focused on the banking industry, particularly on small and mid-sized banks, and he covered United Community as an analyst during his time at KBW.

Richard W. Bradshaw President and Chief Banking Officer

Richard W. Bradshaw holds the positions of President and Chief Banking Officer at United Community Banks, Inc. He is also an Executive Vice President.

Robert A. Edwards Chief Risk Officer

Robert A. Edwards is the Chief Risk Officer for United Community Banks, Inc. He also holds the title of Executive Vice President.

Melinda Davis Lux Chief Administrative Officer, General Counsel and Corporate Secretary

Melinda Davis Lux serves as the Chief Administrative Officer, General Counsel, and Corporate Secretary for United Community Banks, Inc.

AI Analysis | Feedback

Key Risks to United Community Banks (UCB)

United Community Banks (UCB) faces several key risks inherent to the banking sector, particularly as a regional institution. The most significant risks revolve around credit quality, interest rate fluctuations, and the evolving regulatory landscape.

The primary key risk to United Community Banks is its exposure to credit risk, especially within commercial real estate (CRE) lending. Multiple sources indicate that concerns about credit quality and loan performance, particularly in the commercial real estate sector, are elevated for regional banks, including UCB. The company's loan portfolio includes real estate loans, and economic downturns or fluctuations in the real estate market could negatively impact loan performance and profitability. Despite maintaining capital levels above regulatory minimums, the potential for stress in concentrated loan books, such as commercial real estate, remains a significant concern.

A second key risk is interest rate risk and potential net interest margin (NIM) compression. Banks are sensitive to changes in interest rates, which affect their net interest margin (the difference between interest earned on assets and interest paid on liabilities). Volatile interest rates can lead to challenges, including "deposit paradoxes" where deposit costs remain high even if central banks cut rates, thereby squeezing margins. While UCB has reported some recent expansion in its net interest margin, overall industry conditions, including a potentially inverted yield curve, make managing interest rate risk a continuous challenge.

Finally, regulatory and compliance burdens, coupled with increasing cybersecurity threats, pose a significant risk. The banking sector is subject to stringent oversight, and changes in legislation, regulation, or accounting standards can materially affect UCB's operations and financial performance. Regulators are increasingly demanding, and the compliance dates for new rules could impact banks. Additionally, cybersecurity risks, such as unauthorized access and data breaches, are a top concern for banks, potentially compromising customer information and damaging UCB's reputation, necessitating substantial investments in system upgrades and infrastructure.

AI Analysis | Feedback

The emergence and growth of digital-only banks, online lenders, and financial services offered by large technology companies. These entities leverage technology to offer highly competitive interest rates, lower fees, streamlined digital experiences, and specialized lending products, often without the overhead of physical branches. This shift increasingly attracts customers, particularly younger demographics and small businesses, away from traditional banks like UCB for deposits, loans, and other financial services.

AI Analysis | Feedback

Here are the addressable markets for United Community Banks' (UCB) main products and services:
  • Commercial Banking (including deposits and lending services): The U.S. commercial banking market size is estimated at USD 765.53 billion in 2026. This market encompasses services such as commercial lending, treasury management, syndicated loans, capital markets, and other related financial products and services, catering to various client sizes and industry verticals. United Community Banks operates in the Southern region of the U.S., which has experienced rapid economic growth and increased demand for commercial banking services, particularly in real estate, healthcare, and energy sectors.
  • Wealth Management Services: The human advisory segment of the wealth management market in North America was valued at USD 464.5 billion in 2024. Globally, the wealth management market was worth USD 1.25 trillion in 2020 and is projected to reach USD 3.43 trillion by 2030. Banks are anticipated to play a vital role in managing individuals' growing assets and wealth within this market, with the banks sub-segment projected to generate USD 439.6 billion by 2028.
  • Life Insurance and Annuities: The U.S. life insurance and annuities market was valued at USD 819 billion in 2024 and is expected to reach USD 1100.2 billion by 2032. The Southern region of the United States, where UCB operates, dominates this market with a 35% share due to its expanding population, with life insurers actively seeking opportunities in Florida, Georgia, and North Carolina. The market size for Life Insurance & Annuities in the US is projected to be $1.1 trillion in 2026.
  • Long-Term Care Private Insurance: The U.S. long-term care private insurance market size was estimated at USD 9.66 billion in 2023 and is projected to reach approximately USD 17.08 billion by 2033, growing at a CAGR of 5.86% from 2024 to 2033.

AI Analysis | Feedback

United Community Banks (UCB) is expected to drive future revenue growth over the next 2-3 years through several strategic initiatives:

  1. Strategic Mergers & Acquisitions and Geographic Expansion: UCB continues to actively pursue strategic mergers and acquisitions, particularly to expand its footprint in high-growth markets within the Southeast, such as Florida. The acquisition of ANB Holdings, Inc. in May 2025 is a recent example of this strategy, projected to be accretive to earnings per share and contribute to market share expansion. This inorganic growth strategy allows UCB to expand its customer base and asset portfolio.
  2. Robust Organic Loan and Deposit Growth: The company emphasizes generating organic loan growth across various segments, including commercial and industrial (C&I) and home equity lines of credit (HELOCs). UCB reported strong annualized organic loan growth in the first and second quarters of 2025, demonstrating healthy origination pipelines. Coupled with efforts to increase customer deposits, this focus directly translates to higher interest income and overall revenue.
  3. Expansion of National Lending Franchises: UCB is leveraging its established national lending franchises, including its Small Business Administration (SBA) lending and Navitas equipment finance operations. The Navitas equipment finance team, for instance, surpassed $1 billion in originations for the first time in 2025, indicating significant growth in these specialized lending areas.
  4. Growth in Noninterest Revenue and Diversification of Fee Income: Management is focused on increasing noninterest revenue by emphasizing areas such as wealth management services, treasury management, payment processing, and mortgage banking. The goal is to lift noninterest revenue towards approximately 25% of total revenue by 2026. This diversification reduces reliance on traditional interest income and provides more resilient revenue streams.

AI Analysis | Feedback

Share Repurchases

  • A new common stock repurchase program, authorizing the buyback of up to $100 million of outstanding shares, was approved in August 2025 and is set to run through December 31, 2026.
  • Under its current program, United Community Banks repurchased $44 million worth of shares in 2025.
  • In August 2024, the company amended its existing share repurchase program, increasing the authorization to $100 million and extending its expiration to December 31, 2025. This followed re-authorizations of $50 million in November 2023 and $50 million in November 2022.

Share Issuance

  • United Community Banks announced in December 2024 an agreement to acquire ANB Holdings, Inc. in an all-stock transaction valued at approximately $80 million, which involved ANB shareholders receiving 1.650 shares of United common stock for each of their ANB common shares.

Outbound Investments

  • United Community Banks agreed to acquire ANB Holdings, Inc. and its subsidiary, American National Bank, in an all-stock transaction valued at approximately $80 million, with the merger anticipated to close in the second quarter of 2025, enhancing its presence in the greater Miami market.
  • In 2023, the company acquired First Miami Bancorp, Inc.
  • The company completed the acquisition of Progress Financial Corporation in May 2022, and Reliant Bancorp, Inc. in July 2021.

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

UCBSSBFHNPNFPABCBHOMBMedian
NameUnited C.SouthSta.First Ho.Pinnacle.Ameris B.Home Ban. 
Mkt Price32.8596.5324.8196.1287.5927.6560.22
Mkt Cap4.09.511.914.55.95.47.7
Rev LTM1,0682,6483,3722,5701,2031,0841,886
Op Inc LTM-------
FCF LTM3246535251,618505406515
FCF 3Y Avg2924821,142820394393438
CFO LTM3557265571,707530433544
CFO 3Y Avg3365331,181903413424479

Growth & Margins

UCBSSBFHNPNFPABCBHOMBMedian
NameUnited C.SouthSta.First Ho.Pinnacle.Ameris B.Home Ban. 
Rev Chg LTM13.8%40.7%9.3%61.7%7.0%6.8%11.5%
Rev Chg 3Y Avg5.9%16.9%1.2%25.7%4.5%2.7%5.2%
Rev Chg Q11.3%4.9%6.1%168.3%10.5%2.4%8.3%
QoQ Delta Rev Chg LTM2.6%1.2%1.4%40.7%2.5%0.6%2.0%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM33.2%27.4%16.5%66.4%44.1%39.9%36.6%
CFO/Rev 3Y Avg35.0%26.4%37.5%44.0%36.8%41.4%37.2%
FCF/Rev LTM30.4%24.6%15.6%63.0%42.0%37.5%33.9%
FCF/Rev 3Y Avg30.3%24.0%36.3%39.3%35.1%38.4%35.7%

Valuation

UCBSSBFHNPNFPABCBHOMBMedian
NameUnited C.SouthSta.First Ho.Pinnacle.Ameris B.Home Ban. 
Mkt Cap4.09.511.914.55.95.47.7
P/S3.73.63.55.64.95.04.3
P/Op Inc-------
P/EBIT-------
P/E11.610.211.622.313.611.411.6
P/CFO11.213.121.48.511.212.511.9
Total Yield11.6%12.3%11.2%5.4%8.3%11.8%11.4%
Dividend Yield3.0%2.5%2.6%0.9%0.9%3.0%2.5%
FCF Yield 3Y Avg8.5%6.4%12.5%-9.6%7.5%8.5%
D/E0.00.10.30.40.20.10.2
Net D/E-1.0-0.0-0.4-0.8-0.1-0.5-0.4

Returns

UCBSSBFHNPNFPABCBHOMBMedian
NameUnited C.SouthSta.First Ho.Pinnacle.Ameris B.Home Ban. 
1M Rtn-0.4%2.0%3.1%-1.1%3.4%3.9%2.6%
3M Rtn9.9%8.3%14.3%16.1%17.9%6.7%12.1%
6M Rtn3.4%0.5%3.0%2.1%13.6%-1.3%2.6%
12M Rtn21.7%15.1%27.9%2.1%45.4%3.1%18.4%
3Y Rtn46.4%56.2%146.2%2.1%173.1%35.5%51.3%
1M Excs Rtn-0.1%2.9%3.9%-0.1%4.0%3.9%3.4%
3M Excs Rtn-2.9%-4.7%1.4%2.9%4.1%-6.8%-0.7%
6M Excs Rtn-6.9%-9.3%-3.9%-8.2%2.9%-12.5%-7.6%
12M Excs Rtn-2.2%-9.1%7.2%-23.3%22.9%-21.6%-5.7%
3Y Excs Rtn-35.4%-27.9%58.1%-69.6%80.6%-45.2%-31.7%

Comparison Analyses

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Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Single Segment1,041930872868687
Total1,041930872868687


Price Behavior

Price Behavior
Market Price$32.85 
Market Cap ($ Bil)4.0 
First Trading Date03/21/2002 
Distance from 52W High-8.6% 
   50 Days200 Days
DMA Price$33.10$31.78
DMA Trendupup
Distance from DMA-0.8%3.4%
 3M1YR
Volatility24.6%25.6%
Downside Capture63.4976.66
Upside Capture64.9878.27
Correlation (SPY)29.4%39.3%
UCB Betas & Captures as of 5/31/2026

 1M2M3M6M1Y3Y
Beta1.110.990.700.700.931.12
Up Beta2.120.940.790.971.221.13
Down Beta1.591.170.470.580.921.07
Up Capture29%62%61%62%73%127%
Bmk +ve Days13283667141432
Stock +ve Days8213365127374
Down Capture124%173%84%64%90%104%
Bmk -ve Days7132757109318
Stock -ve Days12203058120370

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with UCB
UCB23.2%25.6%0.78-
Sector ETF (XLF)8.3%14.6%0.3364.9%
Equity (SPY)26.5%12.4%1.6139.2%
Gold (GLD)24.2%27.5%0.773.4%
Commodities (DBC)19.8%18.8%0.83-15.7%
Real Estate (VNQ)11.0%13.7%0.5242.5%
Bitcoin (BTCUSD)-40.0%42.4%-1.0818.9%

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Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with UCB
UCB2.6%31.7%0.13-
Sector ETF (XLF)9.3%18.6%0.3771.0%
Equity (SPY)13.5%17.1%0.6253.8%
Gold (GLD)17.1%18.3%0.76-0.5%
Commodities (DBC)7.5%19.4%0.299.9%
Real Estate (VNQ)1.9%18.9%0.0052.1%
Bitcoin (BTCUSD)11.0%54.2%0.4020.1%

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Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with UCB
UCB8.2%35.1%0.32-
Sector ETF (XLF)13.0%22.2%0.5477.1%
Equity (SPY)15.3%18.0%0.7359.0%
Gold (GLD)12.3%16.1%0.63-8.2%
Commodities (DBC)5.9%18.0%0.2618.5%
Real Estate (VNQ)5.3%20.7%0.2252.4%
Bitcoin (BTCUSD)60.0%66.8%1.0013.3%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date5292026
Short Interest: Shares Quantity3.8 Mil
Short Interest: % Change Since 51520262.6%
Average Daily Volume0.6 Mil
Days-to-Cover Short Interest6.2 days
Basic Shares Quantity120.5 Mil
Short % of Basic Shares3.2%

Earnings Returns History

Updated 6/2/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
4/21/2026-3.3%-1.8%-5.4%
1/14/20262.8%8.2%6.3%
10/22/2025-0.5%-1.4%-1.5%
7/23/20252.1%-0.1%0.0%
4/22/20256.9%12.1%19.8%
1/22/2025-0.9%1.0%-2.0%
10/23/2024-1.6%-0.4%13.3%
7/24/20240.4%3.8%-3.4%
...
SUMMARY STATS   
# Positive101013
# Negative141411
Median Positive1.1%3.9%4.4%
Median Negative-1.1%-1.7%-4.0%
Max Positive6.9%12.1%28.1%
Max Negative-8.1%-14.9%-16.4%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
4/21/2026-3.3%-1.8%-5.4%
1/14/20262.8%8.2%6.3%
10/22/2025-0.5%-1.4%-1.5%
7/23/20252.1%-0.1%0.0%
4/22/20256.9%12.1%19.8%
1/22/2025-0.9%1.0%-2.0%
10/23/2024-1.6%-0.4%13.3%
7/24/20240.4%3.8%-3.4%
4/24/20240.6%-3.6%1.7%
1/24/2024-1.1%-0.9%-10.0%
10/18/2023-7.9%-14.9%-4.0%
7/18/2023-1.2%0.1%-2.7%
4/18/20231.1%-8.9%-16.4%
1/17/2023-8.1%-8.8%-4.0%
10/18/2022-1.0%2.0%0.7%
7/19/2022-0.2%0.1%11.9%
4/19/20220.2%-3.2%-6.8%
1/19/2022-2.2%-1.6%2.0%
10/19/20212.6%5.1%4.4%
7/20/2021-0.6%-0.1%3.7%
4/20/20211.1%4.1%8.0%
1/19/2021-0.4%-1.1%1.8%
10/20/20200.9%5.2%28.1%
7/21/2020-1.2%-4.4%-5.2%
SUMMARY STATS   
# Positive101013
# Negative141411
Median Positive1.1%3.9%4.4%
Median Negative-1.1%-1.7%-4.0%
Max Positive6.9%12.1%28.1%
Max Negative-8.1%-14.9%-16.4%

SEC Filings

Expand for More
Report DateFiling DateFiling
03/31/202605/06/202610-Q
12/31/202502/17/202610-K
09/30/202511/07/202510-Q
06/30/202508/08/202510-Q
03/31/202505/09/202510-Q
12/31/202402/27/202510-K
09/30/202411/08/202410-Q
06/30/202408/09/202410-Q
03/31/202405/09/202410-Q
12/31/202302/23/202410-K
09/30/202311/03/202310-Q
06/30/202308/04/202310-Q
03/31/202305/05/202310-Q
12/31/202202/24/202310-K
09/30/202211/04/202210-Q
06/30/202208/05/202210-Q
Collapse to Preview
Report DateFiling DateFiling
03/31/202605/06/202610-Q
12/31/202502/17/202610-K
09/30/202511/07/202510-Q
06/30/202508/08/202510-Q
03/31/202505/09/202510-Q
12/31/202402/27/202510-K
09/30/202411/08/202410-Q
06/30/202408/09/202410-Q
03/31/202405/09/202410-Q
12/31/202302/23/202410-K
09/30/202311/03/202310-Q
06/30/202308/04/202310-Q
03/31/202305/05/202310-Q
12/31/202202/24/202310-K
09/30/202211/04/202210-Q
06/30/202208/05/202210-Q
03/31/202205/06/202210-Q
12/31/202102/25/202210-K
09/30/202111/05/202110-Q
06/30/202108/06/202110-Q
03/31/202105/07/202110-Q
12/31/202002/25/202110-K
09/30/202011/06/202010-Q
06/30/202008/06/202010-Q
03/31/202005/07/202010-Q
12/31/201902/27/202010-K
09/30/201911/07/201910-Q
06/30/201908/08/201910-Q

Insider Activity

Updated 5/19/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Bradshaw, RichardEVP, Chief Banking OfficerDirectSell428202633.091,51049,9662,796,006Form
2Harton, H LynnPresident & CEOHerbert Lynn Harton Revocable Trust dated 3/16/15Sell219202634.6425,000865,9002,913,684Form
3Bradshaw, RichardEVP, Chief Banking OfficerDirectSell203202634.171,46049,8882,460,343Form
4Kumler, Alan HSVP, Chief Accounting OfficerDirectSell123202635.3612,043425,806745,893Form
5Bradshaw, RichardEVP, Chief Banking OfficerDirectSell1028202530.231,65450,0002,274,082Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Bradshaw, RichardEVP, Chief Banking OfficerDirectSell428202633.091,51049,9662,796,006Form
2Harton, H LynnPresident & CEOHerbert Lynn Harton Revocable Trust dated 3/16/15Sell219202634.6425,000865,9002,913,684Form
3Bradshaw, RichardEVP, Chief Banking OfficerDirectSell203202634.171,46049,8882,460,343Form
4Kumler, Alan HSVP, Chief Accounting OfficerDirectSell123202635.3612,043425,806745,893Form
5Bradshaw, RichardEVP, Chief Banking OfficerDirectSell1028202530.231,65450,0002,274,082Form
6Bradshaw, RichardEVP, Chief Banking OfficerDirectSell728202530.941,61650,0002,425,571Form
7Bradshaw, RichardEVP, Chief Banking OfficerDirectSell505202528.16359862,249,702Form
8Bradshaw, RichardEVP, Chief Banking OfficerDirectSell505202528.001,75049,0002,237,900Form
Core Cache Last Updated: 6/21/2026