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

Modest recent dip from a small, explainable earnings miss — not a crash — but the "79% off all-time high" framing is misleading noise from the 2008 crisis, not today's story.

👀 WATCH Fundamentals64/100

Down 79% from its all-time high of $167.19 — now $34.99

Why UCB dropped

The -79% figure is versus a 2007 pre-financial-crisis peak and is irrelevant background noise; the real recent move is just a 5.7% pullback after United Community Banks reported Q2 2026 earnings with strong loan growth and margin expansion, but a 13% EPS miss caused shares to drop 2.8% pre-market, with the pre-market reaction reflecting disappointment over the earnings miss despite otherwise solid results.

Fwd P/E 10.9Op margin 50.9%Rev growth 24.4%Debt/equity —Analyst upside 10.7%

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? 22/25

Revenue growth 24.4% 9/9

Earnings growth 50.8% 8/8

Expected profit change 18.1% 6/8

Value Is it cheap right now? 15/25

Forward P/E 10.9 9/10

PEG ratio 1.7 4/8

Analyst target upside 10.7% 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 2026-07-23. Research only — not financial advice.