UNITED COMMUNITY BANKS INC UCB 83.48
Financials · NYSE · Data as of 2026-08-05
UNITED COMMUNITY BANKS INC (UCB) has delivered +11.7% annualized revenue growth, +14.4% earnings growth, and +23.3% dividend growth over 10 years of data. Ranked #63 of 1968 stocks overall and #17 of 212 in the Financials sector by Steady Score.
About UNITED COMMUNITY BANKS INC
Company Overview
United Community Banks is a financial holding company operating primarily through United Community Bank. It serves commercial, retail and institutional customers across the southeastern United States and offers national specialty businesses in government- guaranteed lending and equipment finance. Products include deposits, commercial and consumer loans, mortgages, payments, private banking, wealth and trust services, investment advice and insurance. Customers access these offerings through branches, specialized bankers and digital channels.
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Business Model & Revenue
The bank earns most revenue from the spread between interest received on loans and securities and interest paid on deposits and borrowings. It also collects fees from mortgages, payments, wealth management, insurance and other services. Branches, bankers, online channels and mobile applications provide customer access. Profitability depends on credit quality, deposit pricing, loan demand, interest rates and operating efficiency, while acquisitions have supplemented organic expansion.
Key Facts & Market Position
United Community combines community-bank relationships with a broader regional product set. Its footprint spans Georgia, South Carolina, North Carolina, Tennessee, Florida and Alabama, with certain specialty services offered nationally. A diversified deposit base supports lending, but performance remains sensitive to economic conditions, commercial real estate, funding competition and regulatory capital requirements.