United Community Banks, Inc.
UCBFinancial ServicesNASDAQBanks - Regional
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Daily timeframeUnited Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. Valued at $4.27B, UCB is a mid-cap name in its sector. The company offers deposit products, including checking, savings, money market, and other deposit accounts.
Market Cap
$4.27B
Beta
0.83
P/E (TTM)
11.65
P/E (Fwd)
11.04
EPS (TTM)
$3.06
EPS (Fwd)
$3.23
ROE
10.3%
ROA
1.3%
Cash
$573.6M
Total Debt
$1.23B
Free CF
—
52W Change
9.3%
Annual Financials
Cash vs Debt
Where UCB stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, UCB finished 3.83% above its 150-day moving average ($33.68) and 5.55% above its 200-day moving average ($33.13). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is UCB overbought or oversold?
At the September 3, 2026 close, UCB's RSI(14) was 26.8, in oversold territory (below 30). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
United Community Banks, Inc. carries $1.23B in total debt against $573.6M in cash reserves — debt is roughly 2.1x the cash position. Managing this leverage effectively will be important for long-term financial stability. Return on equity stands at 10.3%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.3% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $868.1M to $1.04B.
Investors considering United Community Banks, Inc. should weigh the typical risks associated with UCB's sector, size, and financial profile against their own risk tolerance and investment objectives. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing UCB.