Insider buying last 90 days
$74Kin 1 open-market purchase
| Filed | Insider | Type | Value |
|---|---|---|---|
| Aug 10 | Carl Steven Carande Director | Purchase | $74K |
From Form 4 filings, dated to when each was filed.
NYSE: UCB
United Community Banks (UCB) Stock Analysis & Forecast
Sep 28 close
$33.99−0.24 (−0.7%)
Gekko Brief
AI summaryUnited Community Banks trades at $33.99, down 0.7% on the day, sitting between its 50-day average of $35.31 and 200-day average of $33.79, a mixed trend picture. Over longer windows the stock is down 3.5% over one month and 3.9% over three months, but up 9.9% over six months and 7.4% over the past year. The GekkoIndex reads 65.7, placing UCB in the Accumulation zone, while price remains 8.8% below the Gekko Fair Value of $37.28.
The next earnings report is set for 28 October 2026, 29 days away and outside a typical 20-trading-day holding window. At the last report on 14 January 2026, UCB posted $0.71 versus a $0.73 estimate, with shares reacting 4.4%; the company has beaten estimates in 6 of the last 8 quarters, and average absolute reaction has run 2.8%. In the last 90 days there has been one open-market insider purchase worth $74,270. Seasonality over the next 20 trading days has averaged -0.4% across 5 years, rising in 2 of them. Analyst coverage from 3 firms shows 2 buy and 1 hold ratings, with a consensus target of $40.17, implying 18.2% upside from current levels.
Written by AI and checked automatically against the figures on this page. Generated Sep 29, 2026 from the data above.
United Community Banks price vs fair value
Close $33.99200-day averageGekko Fair Value $37.28
United Community Banks quick facts
- Market cap
- $4.07B
- P/E ratio
- 11.2
- Forward P/E
- 12.5
- EPS, TTM
- $3.06
- Revenue, TTM
- $1.11B
- Profit margin
- 34.1%
- Dividend yield
- 2.95%
- Beta
- 0.83
- Volume
- 1.09M avg 825,196
- 1-year return
- +7.4%
- Typical daily move
- ±2%
- Typical 20-day move
- ±5.7%
- 50-day average
- $35.31
- 200-day average
- $33.79
- Next earnings
- Oct 28
- Shares outstanding
- 120.6M
United Community Banks swing-trade checklist
United Community Banks scores 4 supportive, 1 mixed and 1 headwind across the 6 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
4 supportive1 mixed1 headwind
- Trendmixed
Averages disagree
Close $33.99 sits between the 50-day ($35.31) and 200-day ($33.79) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
65.7, Accumulation
Reading 65.7 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
8.8% below
Price is 8.8% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneysupportive
Leans bullish
Last 90 days: 1 open-market insider purchase.
See smart money - Earnings risksupportive
Reports in 29 days
Next report Oct 28, 2026, 29 days away — outside a typical 20-trading-day hold.
See earnings - Seasonalityheadwind
−0.4% on average
From this point in the calendar, the next 20 trading days averaged −0.4% over 5 years, rising in 2 of them.
See seasonality
A description of current data, not a recommendation. How this page works
United Community Banks stock chart and price history
United Community Banks closed at $33.99 on Sep 28, 2026, +7.4% over the past year, inside a 52-week range of $28.65 to $37.18.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −3.5%
- 3 months
- −3.9%
- 6 months
- +9.9%
- 1 year
- +7.4%
The full UCB chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open UCB in Gekko
Follow United Community Banks through every session
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About United Community Banks
United Community Banks operates as the holding company for United Community Bank, providing a wide range of banking services to businesses, individual customers, government and educational bodies, and organizations in fields such as energy, healthcare, and real estate. It is known for its combination of everyday deposit accounts, checking, savings, and money market products, alongside a broad lending lineup covering real estate, consumer, and commercial loans, including options backed by SBA and USDA programs.
Beyond core banking, the company earns revenue through wealth management, trust and fiduciary services, insurance products such as life, long-term care, and annuities, and investment advisory and brokerage work. It also manages its own securities portfolio, spanning mortgage-backed and asset-backed securities, government obligations, and municipal bonds, while offering treasury management, card services, payment processing, equipment financing, and private banking to its customer base of individuals, small and mid-sized businesses, and nonprofit groups.
Founded in 1950, United Community Banks is headquartered in Blairsville, Georgia, and its shares are listed on the NYSE under the ticker UCB.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Regional banks
- Website
- ucbi.com
United Community Banks GekkoIndex: the smart money zone
United Community Banks’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 65.7, in the Accumulation zone, up 0.4 points over five sessions.
65.7Accumulation
Up 0.4 points over five sessions.
Reading for Sep 28, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 40 | +0.3% | +3.8% | ||
| Accumulation (current zone) | 214 | +0.6% | +2.8% | ||
| Neutral | 391 | +0.1% | 0.0% | ||
| Distribution | 19 | −1.2% | −3.1% | ||
| Selling | 8 | Too few readings yet | |||
Average UCB share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.3% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the UCB price, zone by zone.Track UCB in Gekko
Is United Community Banks stock overvalued? Gekko Fair Value
United Community Banks trades 8.8% below Gekko Fair Value of $37.28, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what United Community Banks shares are worth, recalculated every trading day.
$37.28
Gekko Fair Value, Sep 26, 2026
8.8% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open UCB in Gekko
United Community Banks insider and Congress trading
Insiders filed 1 open-market purchase in United Community Banks worth $74K, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in UCB were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for UCB, plotted on the chart in Gekko.Open UCB in Gekko
Buybacks
United Community Banks has been buying back its own shares.
- Latest authorization
- $100.0M, Sep 8, 2026
- Bought back, quarter ended Jun 30, 2026
- $37.09M
- As a share of market cap
- 0.91%
- Trailing four quarters
- $196.1M
From company filings.
Hedge funds and billionaires quarter ended Jun 30
0of the funds Gekko tracks hold UCB.
0added0opened0trimmed1sold out
Which funds are on each side, name by name.Unlock in Gekko
United Community Banks earnings: next date and track record
United Community Banks reports on Oct 28, 2026 (29 days away), and beat the EPS estimate in 6 of its last 8 reports.
Next earnings report
Oct 28, 2026
29 days away
- EPS estimate
- $0.77
- Revenue estimate
- $282.5M
6 of 8reports beat the EPS estimate
±2.8%average move across the report
4 of 8reports followed by a gain
Share-price move across each report
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jan 14, 2026 | $0.71 est $0.73 | $278.4M est $273.6M | +4.4% |
| Oct 22, 2025 | $0.75 est $0.70 | $276.8M est $271.0M | −1.2% |
| Jul 23, 2025 | $0.66 est $0.62 | $254.3M est $271.1M | +0.3% |
| Apr 22, 2025 | $0.59 est $0.56 | $242.9M est $260.6M | +8.3% |
| Jan 22, 2025 | $0.63 est $0.55 | $245.0M est $245.6M | −0.9% |
| Oct 23, 2024 | $0.57 est $0.58 | $210.6M est $241.5M | −1.5% |
| Jul 24, 2024 | $0.58 est $0.51 | $240.4M est $239.0M | +4.2% |
| Apr 24, 2024 | $0.52 est $0.50 | $234.0M est $232.0M | −1.4% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
United Community Banks stock forecast and analyst price targets
Analysts’ average 12-month price target for United Community Banks is $40.17, +18.2% from the last close, from 3 firms rating the stock in the last 90 days.
$40.17consensus 12-month target, +18.2% from the last close
Now $33.99Avg $40.17
Low $38High $42
Each firm’s latest rating in the last 90 days: 3 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 16 | KBW | $41 | +20.6% |
| Sep 9 | D.A. Davidson | $42 | +23.6% |
| Sep 9 | Piper Sandler | $38 | +11.8% |
| Sep 8 | D.A. Davidson | $42 | +23.6% |
| Jul 22 | D.A. Davidson | $40 | +17.7% |
+2.8%average 20-day move after past Accumulation readings
−0.4%average move over the next 20 trading days in the last 5 years
±2%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
United Community Banks seasonality: the next 20 trading days
Over the next 20 trading days from Sep 29, United Community Banks averaged −0.4% across the last 5 years, rising in 2 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +1.9% | 4 of 5 |
| Next 10 trading days | +1.9% | 3 of 5 |
| Next 15 trading days | +0.3% | 3 of 5 |
| Next 20 trading days | −0.4% | 2 of 5 |
| Next 30 trading days | +4.7% | 3 of 5 |
For scale, UCB’s typical 20-trading-day move in either direction is about 5.7%.
United Community Banks market cap and key statistics
United Community Banks’s market cap is $4.07B, with a P/E ratio of 11.2 and revenue of $1.11B over the last twelve months.
Valuation
- Market cap
- $4.07B
- P/E ratio
- 11.2
- Forward P/E
- 12.5
- EPS, TTM
- $3.06
- Gekko Fair Value
- $37.28
Trading
- Volume
- 1.09M
- Avg volume, 20 days
- 825,196
- 52-week high
- $37.18
- 52-week low
- $28.65
- Shares outstanding
- 120.6M
Financials
- Revenue, TTM
- $1.11B
- Profit margin
- 34.1%
- Return on equity
- 10.3%
- Quarterly earnings growth, YoY
- +50.8%
Risk and income
- Beta
- 0.83
- Typical daily move
- ±2%
- Typical 20-day move
- ±5.7%
- Dividend yield
- 2.95%
United Community Banks peers
United Community Banks’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| CMCanadian Imperial Bank of Commerce | Accumulation | 4.8% below |
| USBU.S. Bancorp | Accumulation | 10.6% below |
| NUNu | Buying | 24.1% below |
| TFCTruist Financial | Buying | 10.3% below |
| FITBFifth Third Bancorp | Accumulation | 11.5% below |
| MTBM&T Bank | Accumulation | 11.2% below |
A peer links to its own page where one exists.
United Community Banks stock FAQ
What is United Community Banks’s market cap?
United Community Banks’s market cap is $4.07B at the Sep 28, 2026 close of $33.99, with 120.6M shares outstanding. The shares trade on a P/E ratio of 11.2.
What is the United Community Banks stock forecast?
The consensus analyst 12-month price target for United Community Banks is $40.17, +18.2% from the last close. Of the 3 firms that rated the stock in the last 90 days, 2 rate it a buy, 1 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is United Community Banks stock overvalued or undervalued?
On Gekko’s estimate United Community Banks is undervalued: the Sep 28, 2026 close of $33.99 is 8.8% below Gekko Fair Value of $37.28. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does United Community Banks report earnings next?
United Community Banks is expected to report on Oct 28, 2026 (29 days away). Analysts expect earnings of $0.77 per share on revenue of $282.5M. United Community Banks beat the earnings estimate in 6 of its last 8 reports, moving 2.8% on average across the report.
What is United Community Banks’s 52-week high and low?
United Community Banks’s 52-week high is $37.18 and its 52-week low is $28.65; it closed at $33.99 on Sep 28, 2026, +7.4% over the past year. Over the last five years the shares peaked at $39.50 on Nov 25, 2022.
Is United Community Banks stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 4 of the 6 items with data read as supportive (gekkoindex, fair value, smart money and earnings risk), 1 as mixed (trend) and 1 as a headwind (seasonality). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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