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How to buy United Community Banks stock | $31.43

Own United Community Banks stock in just a few minutes.

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United Community Banks, Inc is a banks-regional business based in the US. United Community Banks shares (UCBI) are listed on the NASDAQ and all prices are listed in US Dollars. United Community Banks employs 2,414 staff and has a trailing 12-month revenue of around USD$533.9 million.

How to buy shares in United Community Banks

  1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
  2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
  3. Search for United Community Banks. Find the stock by name or ticker symbol: UCBI. Research its history to confirm it's a solid investment against your financial goals.
  4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until United Community Banks reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
  5. Decide on how many to buy. At last close price of USD$31.43, weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of United Community Banks, depending on your broker.
  6. Check in on your investment. Congratulations, you own a part of United Community Banks. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

United Community Banks share price

Use our graph to track the performance of UCBI stocks over time.

United Community Banks shares at a glance

Information last updated 2021-01-12.
Latest market closeUSD$31.43
52-week rangeUSD$14.5593 - USD$32.515
50-day moving average USD$27.5361
200-day moving average USD$21.181
Wall St. target priceUSD$29.13
PE ratio 17.3826
Dividend yield USD$0.72 (2.29%)
Earnings per share (TTM) USD$1.853

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy United Community Banks stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

United Community Banks price performance over time

Historical closes compared with the close of $31.43 from 2021-01-11

1 week (2021-01-08) N/A
1 month (2020-12-15) N/A
3 months (2020-10-15) N/A
6 months (2020-07-15) N/A
1 year (2020-01-15) N/A
2 years (2019-01-15) N/A
3 years (2018-01-15) N/A
5 years (2016-01-15) N/A

Is United Community Banks under- or over-valued?

Valuing United Community Banks stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of United Community Banks's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

United Community Banks's P/E ratio

United Community Banks's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 17x. In other words, United Community Banks shares trade at around 17x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

United Community Banks's PEG ratio

United Community Banks's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 17.42. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into United Community Banks's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

United Community Banks financials

Revenue TTM USD$533.9 million
Operating margin TTM 38.12%
Gross profit TTM USD$559.3 million
Return on assets TTM 1.02%
Return on equity TTM 8.6%
Profit margin 28.77%
Book value $21.6
Market capitalisation USD$2.8 billion

TTM: trailing 12 months

Shorting United Community Banks shares

There are currently 1.2 million United Community Banks shares held short by investors – that's known as United Community Banks's "short interest". This figure is 4% up from 1.2 million last month.

There are a few different ways that this level of interest in shorting United Community Banks shares can be evaluated.

United Community Banks's "short interest ratio" (SIR)

United Community Banks's "short interest ratio" (SIR) is the quantity of United Community Banks shares currently shorted divided by the average quantity of United Community Banks shares traded daily (recently around 360786.47058824). United Community Banks's SIR currently stands at 3.4. In other words for every 100,000 United Community Banks shares traded daily on the market, roughly 3400 shares are currently held short.

However United Community Banks's short interest can also be evaluated against the total number of United Community Banks shares, or, against the total number of tradable United Community Banks shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case United Community Banks's short interest could be expressed as 0.01% of the outstanding shares (for every 100,000 United Community Banks shares in existence, roughly 10 shares are currently held short) or 0.0186% of the tradable shares (for every 100,000 tradable United Community Banks shares, roughly 19 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against United Community Banks.

Find out more about how you can short United Community Banks stock.

United Community Banks share dividends

38%

Dividend payout ratio: 38.1% of net profits

Recently United Community Banks has paid out, on average, around 38.1% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 2.29% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), United Community Banks shareholders could enjoy a 2.29% return on their shares, in the form of dividend payments. In United Community Banks's case, that would currently equate to about $0.72 per share.

While United Community Banks's payout ratio might seem fairly standard, it's worth remembering that United Community Banks may be investing much of the rest of its net profits in future growth.

United Community Banks's most recent dividend payout was on 5 January 2021. The latest dividend was paid out to all shareholders who bought their shares by 14 December 2020 (the "ex-dividend date").

Have United Community Banks's shares ever split?

United Community Banks's shares were split on a 1:5 basis on 20 June 2011. So if you had owned 5 shares the day before before the split, the next day you'd have owned 1 share. This wouldn't directly have changed the overall worth of your United Community Banks shares – just the quantity. However, indirectly, the new 400% higher share price could have impacted the market appetite for United Community Banks shares which in turn could have impacted United Community Banks's share price.

United Community Banks share price volatility

Over the last 12 months, United Community Banks's shares have ranged in value from as little as $14.5593 up to $32.515. A popular way to gauge a stock's volatility is its "beta".

UCBI.US volatility(beta: 1.33)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while United Community Banks's is 1.3325. This would suggest that United Community Banks's shares are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).

United Community Banks overview

United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides various banking products and services. The company accepts checking, savings, money market, negotiable order of withdrawal, time, and other deposit accounts, as well as certificates of deposit. Its loan products include commercial real estate, commercial and industrial, commercial construction, residential mortgage and construction, consumer direct loans, and indirect auto loans, as well as home equity lines of credits. The company also offers investment products; insurance products, including life insurance, long-term care insurance, and tax-deferred annuities; reinsurance on a property insurance contract; and payment processing, merchant, wire transfer, brokerage and advisory, and other financial services. It serves individuals, small businesses, mid-sized commercial businesses, and non-profit organizations. The company operates through 163 locations in Georgia, North Carolina, South Carolina, and Tennessee. United Community Banks, Inc. was founded in 1950 and is based in Blairsville, Georgia.

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