UNITED COMMUNITY BANKS INC (UCB)
Financials · Regional community banking · NYSE
A community-focused bank holding company providing diversified financial services across the Southeast and through national SBA/USDA and equipment finance platforms.
What UNITED COMMUNITY BANKS INC does
United Community Banks, Inc. is a bank holding company headquartered in Greenville, South Carolina, providing diversified financial services primarily through its principal subsidiary, United Community Bank. The company offers a range of deposit products, secured and unsecured loans, mortgage loans, payment and commerce solutions, equipment finance, wealth management, trust services, and investment advisory services to commercial, retail, governmental, educational, energy, healthcare, and real estate sectors. Operating through a locally-focused community bank model supplemented by centralized expertise, United serves customers across Georgia, South Carolina, North Carolina, Tennessee, Florida, Alabama, and nationally through its SBA/USDA lending and equipment finance businesses, with consolidated total assets of $28.0 billion as of December 31, 2025.
Themes: ["Community banking / retail banking","Commercial lending","Residential mortgages","SBA/USDA lending","Equipment finance","Regional expansion (Southeast)","Wealth management / private banking"]
Fundamentals
- Price$35.26 as of 2026-07-09 close
- Market cap$4.2B as of 2026-07-10
- 1-year return+12.0% as of 2026-07-09 close
- P/E12.19 as of 2026-07-10
- ROE+9.4% as of 2026-07-10
- Debt / equity0.03 as of 2026-07-10
- Revenue CAGR (3y)+8.8% SEC XBRL
- Beta0.84 as of 2026-07-10
Dividend: yield +2.8%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Economic downturn and interest rate volatility could reduce loan demand, net interest margin, and asset values while increasing credit losses and nonperforming assets","Loan concentration risk in owner-occupied commercial real estate and income-producing commercial property sectors, which may experience greater adverse conditions than other industries","Integration and regulatory approval risks associated with the pending acquisition of Peach State Bancshares, and risks related to expansion into new geographic or product markets"]
Competitors & peers
- Truist Financial Corporation (TFC)
- South State Corporation (SSB)
- Renasant Corporation (RNST)
- CenterState Bancorp (CSBK)
- ServisFirst Bancshares (SVRF)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.