United Community Banks, Inc. (UCB): one to watch?

Solid regional bank with raising dividends and buybacks, but the "80% crash" is just stale 2007 pre-crisis history, not a current red flag — still, recent dip may reflect generic bank sector worries.

👀 WATCH Fundamentals64/100

Down 80% from its all-time high of $167.19 — now $33.35

Why UCB dropped

The -80% from the 2007 all-time high is ancient history from the financial crisis (like nearly all surviving regional banks, UCB never recovered to pre-2008 levels due to crisis-era dilution) — it is NOT a signal about anything happening today. The real recent move is only -6.7% off a 30-day high, which is a minor pullback, not a crash.

Fwd P/E 10.0Op margin 50.9%Rev growth 24.4%Debt/equity —Analyst upside 20.4%

How this scored 64/100

✅ 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? 21/25

Revenue growth 24.4% 9/9

Earnings growth 50.8% 8/8

Expected profit change 9.2% 4/8

Value Is it cheap right now? 16/25

Forward P/E 10.0 9/10

PEG ratio 1.7 4/8

Analyst target upside 20.4% 2/7

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 2026-10-01. Research only — not financial advice.