Nama's AI scorecard currently rates United Community Banks Hold (5.5 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.

What is UCB's P/E ratio?

United Community Banks trades at a trailing price-to-earnings ratio of 12.8.

When does UCB report earnings?

United Community Banks's next scheduled report is on Jan 13, 2027. Analysts expect EPS of $0.83.

What is the UCB price target?

The median analyst price target from 6 analysts is $41.12, with a range of $38.00 – $43.00.

Is UCB Shariah compliant?

Nama's AAOIFI-style screen reads United Community Banks as Not Shariah Compliant. At least one of the three ratios or the industry test failed.

Does UCB pay a dividend?

Yes — United Community Banks's dividend yield is 2.8%.

Nama Insights

United Community Banks (UCB)

Financial Services · Banks Regional · NYSE

United Community Banks (UCB) is a Financial Services company in the Banks Regional industry. It has a market capitalization of $4.42B and a trailing price-to-earnings ratio of 12.8. Over the most recent reported fiscal year, revenue grew 11.9%. Nama's AI scorecard rates it Hold, 5.5 out of 10. On 12-month momentum it ranks in the middle band of its market.

AI scorecard

Hold · 5.5/10

The sections balance. As of Nov 7, 2026.

Momentum

Middle · +12.8% over 12 months ex. last

Middle fifth of its market on the past year's move.

Shariah screen

Not Shariah Compliant

At least one of the three ratios or the industry test failed.

Off its high

-6.3%

How far the last close sits under the highest price of the past five years.

Market cap	$4.42B
Trailing P/E	12.8
Price / book	1.2
Price / sales	5.4
FCF yield	—
Dividend yield	2.8%
Gross margin	0.0%
Operating margin	—
Net margin	17.9%
Revenue growth (YoY)	+11.9%
Revenue growth (3-yr annual)	+6.2%
EPS growth (YoY)	+17.4%
FCF/share growth (YoY)	—
Beta	0.9
Exchange	NYSE
Sector	Financial Services
Industry	Banks Regional

UCB earnings

Next report: Jan 13, 2027 (Q4 2026, EPS estimate $0.83). Beat the EPS estimate in 0 of 4 recent quarters.

Quarter	Reported	EPS	Estimate	Surprise	Revenue
Q3 2026	Oct 20, 2026	$0.77	$0.77	+0.0%	-$18.05M
Q2 2026	Jul 21, 2026	$0.71	$0.81	-12.3%	$272.62M
Q1 2026	Apr 21, 2026	$0.70	$0.70	+0.0%	$270.37M
Q4 2025	Jan 14, 2026	$0.70	$0.71	-1.4%	$272.81M

UCB analyst price target

Median target $41.12 from 6 analysts, ranging $38.00 – $43.00.

Banks Regional peers

Ticker	Company	Market cap	P/E
HDB	HDFC Bank	$129.32B	15.9
IBN	ICICI Bank	$121.68B	21.2
MFG	Mizuho Financial Group	$113.48B	13.1
USB	U.S. Bancorp	$92.63B	11.6
PNC	PNC Financial Services Group	$89.43B	12.0
ITUB	Itaú Unibanco	$81.45B	8.6
LYG	Lloyds Banking Group	$72.69B	9.8
DB	Deutsche Bank Aktiengesellschaft	$64.60B	10.5

Explore live UCB data on Nama Insights →

Recent Congressional trades

United Community Banks trades disclosed by members of the US House and Senate under the STOCK Act. See the full Congress trades board →

Member	Chamber	Trade	Amount	Disclosed
Jefferson Shreve	House	Sell	$50,001 - $100,000	Jun 22, 2025
Jefferson Shreve	House	Buy	$15,001 - $50,000	Apr 11, 2025

UCB FAQ

Is UCB a buy?: Nama's AI scorecard currently rates United Community Banks Hold (5.5 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.
What is UCB's P/E ratio?: United Community Banks trades at a trailing price-to-earnings ratio of 12.8.
When does UCB report earnings?: United Community Banks's next scheduled report is on Jan 13, 2027. Analysts expect EPS of $0.83.
What is the UCB price target?: The median analyst price target from 6 analysts is $41.12, with a range of $38.00 – $43.00.
Is UCB Shariah compliant?: Nama's AAOIFI-style screen reads United Community Banks as Not Shariah Compliant. At least one of the three ratios or the industry test failed.
Does UCB pay a dividend?: Yes — United Community Banks's dividend yield is 2.8%.