Is United Community Banks (UCB) Pricing Look Interesting After Recent Regional Banking Sector Focus

Simply Wall St.01-16

If you are wondering whether United Community Banks at US$33.91 is offering good value right now, you are not alone; many investors are asking the same question. The stock has returned 1.9% over the ...

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The stock has returned 1.9% over the ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nyse-ucb/united-community-banks/news/is-united-community-banks-ucb-pricing-look-interesting-after\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is United Community Banks (UCB) Pricing Look Interesting After Recent Regional Banking Sector Focus</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs United Community Banks (UCB) Pricing Look Interesting After Recent Regional Banking Sector Focus\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-01-16 08:36 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/banks/nyse-ucb/united-community-banks/news/is-united-community-banks-ucb-pricing-look-interesting-after><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>If you are wondering whether United Community Banks at US$33.91 is offering good value right now, you are not alone; many investors are asking the same question. The stock has returned 1.9% over the ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nyse-ucb/united-community-banks/news/is-united-community-banks-ucb-pricing-look-interesting-after\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4211","symbol_name":"区域性银行","start_time":0,"source_url":"https://simplywall.st/stocks/us/banks/nyse-ucb/united-community-banks/news/is-united-community-banks-ucb-pricing-look-interesting-after","article_id":"2603951105","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7013000-choice1-main-header/1585186561056"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/banks/nyse-ucb/united-community-banks/news/is-united-community-banks-ucb-pricing-look-interesting-after","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2603951105","pubTimestamp":1768523813,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"If you are wondering whether United Community Banks at US$33.91 is offering good value right now, you are not alone; many investors are asking the same question.\nThe stock has returned 1.9% over the past week, 5.0% over the last month, 7.8% year to date and 9.3% over the past year, with longer term returns of 20.9% over 3 years and 30.1% over 5 years, giving a fuller picture of how it has traded.\nRecent news flow around United Community Banks has focused on its position within the U.S...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4211":"区域性银行","UCB":"美国社区银行"},"translate_title":"在最近区域银行业的关注之后，联合社区银行(UCB)的定价看起来有趣吗","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"UCB":1.5},"content_text":"If you are wondering whether United Community Banks at US$33.91 is offering good value right now, you are not alone; many investors are asking the same question. The stock has returned 1.9% over the past week, 5.0% over the last month, 7.8% year to date and 9.3% over the past year, with longer term returns of 20.9% over 3 years and 30.1% over 5 years, giving a fuller picture of how it has traded. Recent news flow around United Community Banks has focused on its position within the U.S. regional banking sector and how investors are assessing risk and capital strength across banks more broadly. This context helps explain why shorter term price moves can differ from the longer term return figures you see here. On our checks, United Community Banks has a valuation score of 3 out of 6, which points to some areas where the market price and our fair value estimates line up and others where they do not. Next we will walk through the usual valuation methods before finishing with a more complete way to think about what the stock might be worth.  Find out why United Community Banks's 9.3% return over the last year is lagging behind its peers. AdvertisementApproach 1: United Community Banks Excess Returns Analysis The Excess Returns model looks at how much profit a company can generate above its cost of equity and then capitalizes those surplus returns into an estimated per share value. For United Community Banks, the model starts with a Book Value of $30.17 per share and a Stable EPS of $3.22 per share, based on weighted future Return on Equity estimates from 4 analysts. The Average Return on Equity is 9.72%, while the Cost of Equity is $2.31 per share, which leaves an Excess Return of $0.92 per share. The Stable Book Value is put at $33.14 per share, using weighted future Book Value estimates from 7 analysts. Combining these inputs, the Excess Returns model arrives at an intrinsic value of about $57.97 per share. Compared with the current share price of $33.91, this framework indicates the stock is 41.5% undervalued. Result: UNDERVALUED Our Excess Returns analysis suggests United Community Banks is undervalued by 41.5%. Track this in your watchlist or portfolio, or discover 867 more undervalued stocks based on cash flows. UCB Discounted Cash Flow as at Jan 2026 Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for United Community Banks. Approach 2: United Community Banks Price vs Earnings For a profitable company like United Community Banks, the P/E ratio is a useful shorthand for how much investors are paying for each dollar of earnings. This makes it a practical cross check against the earlier intrinsic value work. What counts as a \"normal\" P/E usually reflects what investors think about a company’s growth prospects and risk. Higher expected growth or lower perceived risk can support a higher multiple, while slower growth or higher risk tends to be associated with a lower P/E. United Community Banks currently trades on a P/E of 12.85x. That is above the Banks industry average of 11.88x, but slightly below the peer group average of 13.50x. Simply Wall St’s Fair Ratio for the stock is 12.78x, which is their estimate of an appropriate P/E once you factor in elements such as earnings growth, profit margin, industry, market cap and company specific risks. The Fair Ratio is more tailored than a simple comparison with peers or the broad industry because it aims to adjust for those company level characteristics rather than assuming all banks should trade on the same multiple. With the current P/E of 12.85x sitting very close to the 12.78x Fair Ratio, the shares appear priced roughly in line with those fundamentals. Result: ABOUT RIGHT NYSE:UCB P/E Ratio as at Jan 2026 P/E ratios tell one story, but what if the real opportunity lies elsewhere? Discover 1440 companies where insiders are betting big on explosive growth. Upgrade Your Decision Making: Choose your United Community Banks Narrative Earlier we mentioned that there is an even better way to understand valuation. Let us introduce you to Narratives, where you spell out your story for United Community Banks, link it to specific forecasts for revenue, earnings and margins, and see a fair value that you can easily compare with today’s price on Simply Wall St’s Community page. This page is used by millions of investors, with each Narrative updating automatically when new earnings or news arrive. For example, one investor might build a Narrative that leans on the higher US$36.00 fair value estimate and a higher future P/E of 13.79x, while another might focus on the lower prior US$34.92 view with lower growth assumptions. Those investors can then use those different fair values to decide whether the current share price looks attractive, fully valued or expensive based on their own expectations. Do you think there's more to the story for United Community Banks? Head over to our Community to see what others are saying! NYSE:UCB 1-Year Stock Price Chart  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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