United Community Banks, Inc.
UCBFinancial ServicesNASDAQBanks - Regional · Last scanned Oct 24, 2026
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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. At a $4.46B market cap, United Community Banks, Inc. ranks as a mid-cap company within financial services. The company offers deposit products, including checking, savings, money market, and other deposit accounts.
Market Cap
$4.46B
Beta
0.90
P/E (TTM)
12.09
P/E (Fwd)
10.72
EPS (TTM)
$3.06
EPS (Fwd)
$3.45
ROE
4.1%
ROA
0.5%
Cash
$875.4M
Total Debt
$39.7M
Free CF
—
52W Change
23.6%
Annual Financials
Cash vs Debt
Where UCB stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, UCB finished 0.12% above its 150-day moving average ($33.74) and 0.90% above its 200-day moving average ($33.48). 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 October 20, 2026 close, UCB's RSI(14) was 52.1, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
United Community Banks, Inc. holds $875.4M in cash against $39.7M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. Return on equity stands at 4.1%, which is modest for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 0.5% 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.
With cash comfortably exceeding debt, UCB has financial flexibility that may help navigate uncertain periods. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for United Community Banks, Inc. and its sector.