Filing Flows › United Community Banks (UCB) › Stock forecast & fair value
United Community Banks (UCB) stock forecast and fair value
United Community Banks (UCB) trades at $33.38. 6 analysts' median price target is $41.12 (+23%), from $38.00 to $43.00. Across 15 valuation methods the middle fair value is $19.82 (-41%).
Fair value by method
| Method | Low | Point | High | vs price |
|---|---|---|---|---|
| P/E vs peers | $12.46 | $14.02 | $15.96 | -58% |
| P/E vs peers, weighted | $13.26 | $15.56 | $19.34 | -53% |
| P/E vs peers, growth-adjusted | $12.49 | $14.39 | $16.58 | -57% |
| Residual income | $24.13 | $25.03 | $25.97 | -25% |
| P/TBV vs ROTCE (bank peers) | $12.45 | $21.78 | $31.11 | -35% |
| Analysts' price targets | $38.00 | $40.88 | $43.00 | +22% |
| Shareholder yield (dividends + buybacks) | $17.34 | $19.82 | $23.12 | -41% |
| Justified P/TBV (Gordon growth) | $10.39 | $11.61 | $13.16 | -65% |
| Dividend discount (Gordon) | $10.18 | $11.34 | $12.81 | -66% |
| Stage-weighted value (financial (bank / insurer)) | $15.07 | $18.54 | $22.17 | -44% |
United Community Banks' latest quarter
United Community Banks, Q2 2026: revenue $279M (+7% year over year), operating margin 53.4%, net earnings $116M, operating cash flow $131M. The chart follows the revenue to costs, profit and cash.
Questions
What is the price target for UCB stock?
The median of 6 analysts' 12-month targets is $41.12, +23% from $33.38; the range is $38.00 to $43.00. The average rating is none.
What is United Community Banks' fair value?
The fair-value methods on Filing Flows (DCF, Monte Carlo, peer multiples and others) put it between $11.34 and $40.88, with a middle value of $19.82 against a price of $33.38. Each method's assumptions are on the page.
Does United Community Banks usually beat earnings estimates?
It beat the consensus EPS estimate in 20% of the quarters on record.
Is UCB stock a buy?
Filing Flows does not give advice. It shows what analysts expect, what each valuation method implies and the figures behind them, read from SEC filings, so you can judge for yourself.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.