United Community Banks, Inc. (UCB) Stock Analysis
Breakout setup
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $34.63, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Negative news sentiment (-0.67).
United Community Banks is a $28.0B-asset bank holding company headquartered in Greenville, SC, operating United Community Bank primarily in Georgia, South Carolina, North Carolina, Tennessee, Florida, and Alabama, plus nationally through SBA/USDA and equipment finance... Read more
Hold if already holding. Not a fresh buy at $34.63, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Negative news sentiment (-0.67). Chart setup: Golden cross, above all MAs, RSI 63, MACD bullish. Under M&A bid. Hold for deal completion or sell if spread < 3%. Score 6.1/10, moderate confidence.
Passes 5/7 gates (positive momentum, clean insider activity, earnings proximity 37d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
Recent developments
updated 2026-06-14Recent Developments — United Community Banks, Inc.
Latest news
- NEWS UCB (OTCMKTS:UCBJF) Shares Gap Down - Here's Why - MarketBeat — MarketBeat negative
- NEWS United Community Banks Announces CFO Retirement and Transition - The Globe and Mail — The Globe and Mail neutral
- NEWS Insider Sell: Richard Bradshaw Sells Shares of United Community Banks Inc (UCB) - GuruFocus — GuruFocus negative
- NEWS Massachusetts Financial Services Co. MA Sells 77,306 Shares of United Community Banks, Inc. $UCB - MarketBeat — MarketBeat neutral
- NEWS UCB Big Event: mxmtoon LIVE on our campus! - Millikin University — Millikin University neutral
Generated 2026-06-15T18:11:47Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Material Events(8-K, last 90d)
- 2026-04-28Item 5.02MEDIUMJefferson L. Harralson, EVP and CFO, entered agreement to resign effective December 31, 2026. He will receive regular salary through that date plus 2026 incentive bonus. No successor named.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
1 floor-breaker
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $34.63, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Negative news sentiment (-0.67). Chart setup: Golden cross, above all MAs, RSI 63, MACD bullish. Under M&A bid. Hold for deal completion or sell if spread < 3%. Target $34.07 (-1.6%), stop $33.27 (−4.1%), A.R:R -0.5:1. Score 6.1/10, moderate confidence.
Take-profit target: $34.07 (-1.6% upside). Target $34.07 (-1.6%), stop $33.27 (−4.1%), A.R:R -0.5:1. Stop-loss: $33.27.
Analyst target reached - limited upside remaining; Negative news sentiment (-0.67); Under M&A bid - upside capped at deal spread, deal failure risk.
United Community Banks, Inc. trades at a P/E of 12.7 (forward 10.5). TrendMatrix value score: 7.8/10. Verdict: Hold.
11 analysts cover UCB with a consensus score of 3.7/5. Average price target: $38.
What does United Community Banks, Inc. do?United Community Banks is a $28.0B-asset bank holding company headquartered in Greenville, SC, operating United...
United Community Banks is a $28.0B-asset bank holding company headquartered in Greenville, SC, operating United Community Bank primarily in Georgia, South Carolina, North Carolina, Tennessee, Florida, and Alabama, plus nationally through SBA/USDA and equipment finance businesses. Total loans were $19.4B at December 31, 2025; the bank's primary federal regulator changed from FDIC to the Federal Reserve in 2024.