Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
UCB
HOLDUnited Community Banks, Inc. · Financial Services · United States · $4.2B · Avg Vol: $39M/d
COMPANY DESCRIPTION
United Community Banks, Inc. operates as a bank holding company for United Community Bank, providing traditional banking services to individuals and businesses across the Southeastern U.S. Its competitive moat lies in strong community ties and local market knowledge, fostering robust customer relationships and organic growth. The company is a growing regional bank focused on the high-growth Southeastern U.S., known for its customer service and strategic acquisitions.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 868.1M | 871.9M | 930.0M | 1.0B | 6.2% | 1.0B | 1.1B | 1.1B | 3.5% |
| EPS | 2.52 | 1.54 | 2.04 | 2.62 | 1.3% | 2.70 | 2.82 | 3.12 | 9.1% |
| Shares | 106.2M | 119.0M | 119.4M | 120.6M | +13.5% | 119.8M | — | — | — |
| Debt | 874.7M | 324.8M | 254.2M | 120.4M | -48.4% | 170.0M | — | — | — |
| Equity | 2.7B | 3.3B | 3.4B | 3.6B | 10.4% | — | — | — | — |
| Op CF | 607.3M | 294.0M | 349.7M | 384.0M | -14.2% | 354.7M | — | — | — |
| Inv CF | -2.0B | -163.3M | -991.0M | 33.4M | — | — | — | — | — |
| Fin CF | -258.8M | 226.3M | 157.3M | -541.6M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of UCB are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| UCB | United Community Banks, Inc.(you) | $4.2B | 59 | HOLD |
| INDB | Independent Bank Corp. | $4.1B | 61 | HOLD |
| CBU | Community Financial System, Inc. | $3.5B | 57 | HOLD |
| EBC | Eastern Bankshares, Inc. | $5.2B | 58 | HOLD |
| TCBI | Texas Capital Bancshares, Inc. | $4.3B | 53 | HOLD |
| BANC | Banc of California, Inc. | $3.3B | 57 | HOLD |
| BOH | Bank of Hawaii Corporation | $3.3B | 55 | HOLD |
| FFIN | First Financial Bankshares, Inc. | $5.0B | 53 | HOLD |
| PRK | Park National Corporation | $3.4B | 63 | HOLD |
| MCHB | Mechanics Bancorp | $3.5B | 53 | HOLD |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%