United Community Banks, Inc. (UCB)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
$37.66+1.67%
Close 2026-11-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · UCB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 4.2% |
| Our one-year growth estimate | diamond | 6.9% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 2.7 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
UCB — earnings in line
Dated 2026-10-20
contains information about how to access the conference call and webcast. A copy of the slide presentation to be used during the earnings call and webcast is furnished as Exhibit 99.2 to this Current Report on Form 8-K. The slide presentation also will be available on our website, www.ucbi.com , under the “Investor Relations – Events and Presentations” section. The information furnished pursuant to this Item 7.01, including Exhibit 99.2, shall not be deemed “filed” for purposes of Section 18…
Why it matters: The bank tied added earnings to cost savings after conversion. A delay could push back those savings.
Supportive ifUnited completes the Peach State conversion by the planned end of Q1. It reports at least $0.02 in quarterly earnings gains.
Worry ifThe conversion runs past Q1, or quarterly gains stay below $0.02 after conversion.
Why it matters: Management tied its growth plan to high single-digit loan growth in 2027. A lower rate would weaken that plan.
Worry ifReported core loan growth for 2027 falls below 7% year over year.
Less concerning ifReported core loan growth reaches at least 7% in 2027.
Why it matters: The new securities earn more and have shorter terms. A lower margin would challenge the plan to lift returns.
Worry ifNet interest margin falls below 3.68% in a reported quarter.
Less concerning ifNet interest margin stays at or above 3.68% for two straight quarters.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$88 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $199 loss on $10,000 · 2.0% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,795 loss on $10,000 · 17.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.