United Community Banks, Inc.: Business Overview, Financials & Competitive Analysis
United Community Banks, Inc. scores 6/10 on the AskCyborg Cyborg Score (Solid). Established regional bank with solid fundamentals and national niche lending franchises, trading at modest valuation multiples with mixed analyst sentiment. Analysts forecast that UCB's EPS will be $2.92 for 2026. The forecast ROE is 10.43%, which is considered weak. The company demonstrates stable regional banking operations with consistent.
What is United Community Banks, Inc.'s industry? United Community Banks, Inc. (ucbi.com) operates in Banking. AskCyborg classifies United Community Banks, Inc. under Banking in its company registry.
United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina. The company is the financial holding company for United Community Bank and offers a full range of banking, mortgage ...
Cyborg Score thesis
Established regional bank with solid fundamentals and national niche lending franchises, trading at modest valuation multiples...
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Get Current Report FreeUnited Community Banks, Inc. Overview
Pro stress-test →United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina. The company is the financial holding company for United Community Bank and offers a full range of banking, mortgage and wealth management services. As of December 31, 2025, United Community Banks, Inc. had $28 billion in assets and operated 199 offices across Alabama, Florida, Georgia, North Carolina, South Carolina and Tennessee.
Strategic Profile
Pro stress-test →The company manages a national SBA lending franchise and a national equipment finance subsidiary, extending its reach to businesses across the country. The company serves the commercial, retail, government, education, energy, health care, and real estate sectors. In January 2026 the company showed higher income and EPS growth, extended a $100M repurchase program and announced regular dividends.
Competitive Landscape
Pro stress-test →Key regional bank peers include ASB, RNST and BANF, operating in similar markets. United Community competes with larger national banks and regional peers across its six-state Southeastern footprint. The company differentiates through specialized SBA lending and equipment finance franchises that extend reach beyond traditional branch banking.
Industry Context
United Community Banks, Inc. operates in Banking.
Key facts
Founded: 1950 · Headquarters: Greenville, South Carolina · Revenue: $1.024B