United Community Banks Inc. (UCB) earns a Roarable Rating of B (Buy) with 74/100 RQD Confidence. High-quality cash engine (steady margins, 9% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.
As of 2026-11-02, United Community Banks Inc. (NYSE: UCB) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 74/100 at a spot price of $36.73 (-1.29% 1D, market cap $4.49B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, UCB ranks #48 in composite RQD confidence.
Within the Financials sector (Major Banks), UCB carries a Roarable B (74/100 RQD), trailing P/E of 13.7x, gross margin of —, and ROIC of 9.0%. By comparison, FULT (Fulton Financial Corporation) holds a C grade (64/100 RQD, P/E 11.5x, ROIC 11.2%, cap $4.52B) and SFBS (ServisFirst Bancshares Inc.) posts a C grade (63/100 RQD, P/E 16.0x, ROIC 15.0%, cap $4.43B). Among the 5-stock peer group, FULT leads on earnings multiple (11.5x) while SFBS leads on capital efficiency (15.0% ROIC).
Per UCB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000857855), United Community Banks Inc. generated $1.06B in revenue (+11.7% YoY), $328.1M in net income, and $356.5M in free cash flow against $28.00B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 92% of 52W Range • RSI-14 at 62.4 (BULLISH MOMENTUM)
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling
Even with a 74/100 (B) score, UCB faces multiple-compression risk if 13.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($34.82) or 200D SMA ($34.08) invalidates the momentum regime and cuts Target Base ($39.37) toward Bear Floor ($30.12).
United Community Banks Inc. (UCB) slipped -1.29% to $36.73, trading at 92% of its 52-week range ($28.65 – $37.45). High-quality cash engine (steady margins, 9% return on capital) with steady institutional support.
Fed officials just reminded investors that 2% inflation really means 2% flat, and that keeps rate pressure alive even with no move today. Elevated short-term yields can reshape where money flows, reward some business mod
UCB, a global biopharmaceutical company focused on severe diseases, today announced the establishment of the Emmanuel Janssen Endowed Chair for the Evaluation of Medicines at Brigham and Women's Hospital, a founding memb
Does United Community Banks (UCB) have what it takes to be a top stock pick for momentum investors? Let's find out.
A streamlined balance sheet and floating-rate positioning give the bank earnings leverage if rates stay elevated.
United Community Banks (UCB) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).
BBCP, ATLO and UCB made it to the Zacks Rank #1 (Strong Buy) income stocks list on October 22, 2026.
BBCP, UCB, TGS, STX and IMUX have been added to the Zacks Rank #1 (Strong Buy) List on October 22, 2026.
Stephens & Co. analyst Russell Gunther maintains United Community Banks (NYSE:UCB) with a Overweight and raises the price target from $41 to $42.
United Community Banks came into this Q3 2026 report with a premium P/E tag and a reputation as a clean operator in a messy regional banking sector. Then the headline hit. The company booked a quarterly loss, with basic
Operating EPS rose to $0.77 as core loan growth accelerated to 10% annualized.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +11.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on UCB today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for UCB. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, United Community Banks Inc. (UCB) ranks #48 by composite RQD confidence (74/100, grade B) and #292 by equity capitalization ($4.49B). Within this direct 5-issuer industry benchmark cohort, FULT leads on earnings valuation at 11.5x trailing P/E, while SFBS leads on capital efficiency and profitability with 15.0% ROIC and — gross margin. UCB currently leads its immediate peer cohort in composite quantitative strength at 74/100 (B).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| UCB
ACTIVE
United Community Banks Inc. | B | 74/100 | 13.7x | — | 9.0% | -1.29% | $4.49B | Benchmark Subject |
| FULT Fulton Financial Corporation | C | 64/100 | 11.5x | — | 11.2% | -0.89% | $4.52B | /fult-vs-ucb → |
| SFBS ServisFirst Bancshares Inc. | C | 63/100 | 16.0x | — | 15.0% | -0.59% | $4.43B | /sfbs-vs-ucb → |
| FFIN First Financial Bankshares Inc. | D+ | 57/100 | 17.4x | — | 13.2% | -0.52% | $4.41B | /ffin-vs-ucb → |
| CATY Cathay General Bancorp | B- | 71/100 | 13.8x | — | 10.8% | -1.45% | $4.36B | /caty-vs-ucb → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), United Community Banks Inc. (UCB) reported GAAP revenue of $1.06B (+11.7% vs. FY2024 revenue of $952.1M , and +19.0% cumulative change since FY2023) , GAAP net income of $328.1M, operating cash flow of $384.0M, and free cash flow of $356.5M (+17.8% YoY). On the balance sheet, UCB closed FY2025 with $28.00B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $1.06B | $328.1M | $384.0M | $356.5M | $28.00B | — |
| FY2024 (FY) | 2024-12-31 | $952.1M | $252.4M | $349.7M | $302.7M | $27.72B | — |
| FY2023 (FY) | 2023-12-31 | $893.2M | $187.5M | $294.0M | $294.0M | — | — |
As of 2026-11-02, United Community Banks Inc. (NYSE: UCB) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 74/100 at a spot price of $36.73 (-1.29% 1D, market cap $4.49B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, UCB ranks #48 in composite RQD confidence.
Within the Financials sector (Major Banks), UCB carries a Roarable B (74/100 RQD), trailing P/E of 13.7x, gross margin of —, and ROIC of 9.0%. By comparison, FULT (Fulton Financial Corporation) holds a C grade (64/100 RQD, P/E 11.5x, ROIC 11.2%, cap $4.52B) and SFBS (ServisFirst Bancshares Inc.) posts a C grade (63/100 RQD, P/E 16.0x, ROIC 15.0%, cap $4.43B). Among the 5-stock peer group, FULT leads on earnings multiple (11.5x) while SFBS leads on capital efficiency (15.0% ROIC).
Per UCB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000857855), United Community Banks Inc. generated $1.06B in revenue (+11.7% YoY), $328.1M in net income, and $356.5M in free cash flow against $28.00B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
UCB last traded at $36.73 (-1.29% on volume of 1,052,867 shares), positioning the stock +5.49% above its 50-day simple moving average ($34.82) and +7.78% above its 200-day simple moving average ($34.08). Across its 52-week range of $28.65 to $37.45, UCB sits at the 91.8% percentile with a 14-day RSI of 62.4 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.5% ($35.08 to $38.38).
Why UCB Stock slipped -1.29% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 9% return on capital) with steady institutional support.
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