UCB
United Community Banks IncPrice & Indicators
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses | 1.15% | Q1 2026 | — |
| Common Equity Tier 1 | 13.4% | Q1 2026 | — |
| Customer deposit growth | 237M | Q1 2026 | — |
| Efficiency ratio | 56.7% | Q1 2026 | — |
| Loan growth | 218M | Q1 2026 | — |
| Loan growth annualized rate | 4.5% | Q1 2026 | — |
| Mortgage closings | 251M | Q1 2026 | — |
| Net charge-offs | 0.22% | Q1 2026 | — |
| Nonperforming assets | 0.35% | Q1 2026 | — |
| Pre-tax, pre-provision return on assets non-GAAP | 1.73% | Q1 2026 | — |
| Quarterly common dividend | $0.25 | Q1 2026 | — |
| Return on common equity | 9.4% | Q1 2026 | — |
| Return on tangible common equity non-GAAP | 13.1% | Q1 2026 | — |
| Shares repurchased | 1.09M | Q1 2026 | — |
| Tangible common equity to tangible assets | 9.9% | Q1 2026 | — |
| CET1 ratio | 13.4% | Q1 2026 call | — |
| cost of deposits | 1.67% | Q1 2026 call | — |
| cumulative total deposit beta | 39% | Q1 2026 call | — |
| customer deposits growth | $237M | Q1 2026 call | — |
| loan-to-deposit ratio | 82% | Q1 2026 call | — |
| net interest margin | 3.65% | Q1 2026 call | — |
| operating return on tangible common equity non-GAAP | 13.1% | Q1 2026 call | — |
| Peach State assets | $800M | Q1 2026 call | — |
| Peach State deal value | $100M | Q1 2026 call | — |
| share repurchases | $37M | Q1 2026 call | — |
| tangible common equity ratio | 9.92% | Q1 2026 call | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
UCB
this stock
United Community Banks Inc
|
$4.14B | +11.7% | +11.7% | 12.7 | 3.6% |
|
HDB
Hdfc Bank Ltd
|
$136.15B | -28.4% | +15.2% | — | 0.3% |
|
MFG
Mizuho Financial Group Inc
|
$126.15B | +39.8% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$104.44B | -3.2% | — | — | 0.7% |
|
PNC
Pnc Financial Services Group, Inc.
|
$99.00B | +19.0% | +7.2% | 14.3 | 1.9% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| UCB | -1.4% | +4.0% | +7.4% | -1.4% | +11.7% |
| SPY | -0.2% | +0.8% | +7.4% | -0.2% | +9.3% |
| vs SPY | -1.2% | +3.2% | -0.1% | -1.2% | +2.4% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.