United Community Banks, Inc. (UCB): a potential bargain?

Buy — this is a healthy, growing regional bank near its 52-week high, not a fresh crash; the old 2007 collapse is ancient history from the financial crisis.

🔥 HOT Fundamentals62/100

Down 79% from its all-time high of $167.19 — now $35.29

Why UCB dropped

The "78.9% below all-time high" figure is stale — it dates to the 2007 pre-financial-crisis peak, not a recent event; today the stock is only 4% below its 30-day high and near its 52-week high, and management just raised the dividend, expanded the buyback, and sold a non-core lending unit (Navitas) for $2 billion.

Fwd P/E 10.8Op margin 50.9%Rev growth 24.4%Debt/equity —Analyst upside 12.4%

How this scored 62/100

✅ Passes all 4 hard checks — profitable, cash-generative, and financially survivable.

✅ Makes money Net profit margin 34.1%

✅ Generates cash Free cash flow unknown

✅ Not drowning in debt Debt/equity unknown — exempt (banks run on leverage by design)

✅ Can pay its bills Exempt (financials)

Bar length shows how much each metric is worth — a 10-point metric is twice as wide as a 5-point one. Hover any row for what it means.

Profitability Does it actually make money? 19/25

Operating margin 50.9% 9/9

Net profit margin 34.1% 8/8

Return on equity 10.3% 2/8

Growth Is it getting bigger, or dying? 20/25

Revenue growth 24.4% 9/9

Earnings growth 50.8% 8/8

Expected profit change 6.3% 3/8

Value Is it cheap right now? 15/25

Forward P/E 10.8 9/10

PEG ratio 1.7 4/8

Analyst target upside 12.4% 1/7

Balance sheet Will it survive? 8/25

Debt / equity unknown 3/10

Current ratio unknown 2/8

Free cash flow unknown 2/7

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Analysis generated by SmartStonks's AI from public fundamentals and news, first flagged 2026-09-09. Research only — not financial advice.