United Community Banks Inc (UCB) has a current Price-to-Book (P/B) ratio of 1.06. Compared to its 3-year average P/B ratio of 1.03, the current P/B ratio is approximately 2.74% higher. Relative to its 5-year average P/B ratio of 1.20, the current P/B ratio is about -11.37% higher. United Community Banks Inc (UCB) has a Forward Free Cash Flow (FCF) yield of approximately 11.49%. Compared to its 3-year average FCF yield of 8.91%, the current FCF yield is approximately 29.00% lower. Relative to its 5-year average FCF yield of 10.03%, the current FCF yield is about 14.58% lower.

Competitors Valuation Multiple

AI Analysis

The average P/S ratio for UCB competitors is 3.02, providing a benchmark for relative valuation. United Community Banks Inc Corp (UCB.N) exhibits a P/S ratio of 3.46, which is 14.47% above the industry average. Given its robust revenue growth of 11.68%, this premium appears unsustainable.

P/E

P/S

EV/EBITDA

EV/EBIT

Earnings Growth

Market Cap

Performance Decomposition

AI Analysis

Market capitalization of UCB increased by 0.00% over the past 1 year(s). The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.

The secondary factor is the Unknown, contributed 0.00% to the performance.

Overall, the performance of UCB in the past 1 year(s) is driven by Unknown.

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Frequently Asked Questions

Is UCB currently overvalued or undervalued?

What is United Community Banks Inc (UCB) fair value?

UCB's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. The fair price of United Community Banks Inc (UCB) is between 31.49 to 38.20 according to relative valuation method.

How does UCB's valuation metrics compare to the industry average?

The average P/S ratio for UCB's competitors is 3.02, providing a benchmark for relative valuation. United Community Banks Inc Corp (UCB) exhibits a P/S ratio of 3.46, which is 14.47% above the industry average. Given its robust revenue growth of 11.68%, this premium appears unsustainable.

What is the current P/B ratio for United Community Banks Inc (UCB) as of Mar 03 2026?

As of Mar 03 2026, United Community Banks Inc (UCB) has a P/B ratio of 1.06. This indicates that the market values UCB at 1.06 times its book value.

What is the current FCF Yield for United Community Banks Inc (UCB) as of Mar 03 2026?

As of Mar 03 2026, United Community Banks Inc (UCB) has a FCF Yield of 11.49%. This means that for every dollar of United Community Banks Inc's market capitalization, the company generates 11.49 cents in free cash flow.

What is the current Forward P/E ratio for United Community Banks Inc (UCB) as of Mar 03 2026?

As of Mar 03 2026, United Community Banks Inc (UCB) has a Forward P/E ratio of 11.04. This means the market is willing to pay $11.04 for every dollar of United Community Banks Inc's expected earnings over the next 12 months.

What is the current Forward P/S ratio for United Community Banks Inc (UCB) as of Mar 03 2026?

As of Mar 03 2026, United Community Banks Inc (UCB) has a Forward P/S ratio of 3.46. This means the market is valuing UCB at $3.46 for every dollar of expected revenue over the next 12 months.

UCB Valuation