UCB Stock Analysis: Buy, Sell, or Hold?
UCB - United Community Banks, Inc.
$34.43
-0.27 (-0.78%)
▼
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Apr 21, 2026
Get Alerted When UCB Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
📊 HOLD: UCB shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: UCB shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$46.91
Based on 6.0% avg growth
INTRINSIC VALUE TODAY
$29.12
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UCB is currently trading at $34.43, which is considered extended relative to its 30-day fair value range of $32.04 to $34.22. The stock's valuation (Forward PE: 10.8) is in line with its historical norms (10.9). Remarkably, the market is currently pricing in an annual earnings decline of 0.3% over the next few years. This pessimistic expectation contrasts with the company's recent 14.8% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, UCB is in a uptrend. Immediate support is located at $33.26, while resistance sits at $35.72.
Market Sentiment: UCB has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, UCB is in a uptrend. Immediate support is located at $33.26, while resistance sits at $35.72.
Market Sentiment: UCB has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Fair Price Range
$32.04 -
$34.22
Company Quality Score
64/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
57.1%
Protect Your Profits
Holding UCB? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($37.17)
Fair Price Analysis
30-Day Fair Range
$32.04 -
$34.22
Current vs Fair Value
EXTENDED
Support & Resistance Levels
Support Level
$33.26
Resistance Level
$35.72
Current Trend
Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
10.79
Wall Street Target
$37.17
(+7.1%)
Revenue Growth (YoY)
10.5%
Earnings Growth (YoY)
14.8%
Profit Margin
32.4%
Valuation Discount vs History
-0.3% cheaper
PE vs Historical
10.8 vs 10.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.3%
(market-implied from PE analysis)
1-Year Target
$34.60
(0%)
2-Year Target
$34.49
(-1%)
3-Year Target
$34.39
(-1%)
3-Yr Target (if PE normalizes)
(PE: 11→11)
$34.75
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 8.0%)
$90.39
(+161%)
Base:
(SPY PE: 10.8, Growth: 8.0%)
$43.72
(+26%)
Bear:
(PE: 9.2, Growth: 8.0%)
$37.16
(+7%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 13.06 | Current EPS (TTM): $2.62
Bull Case
$46.23
(+34%)
Analyst growth 22.8%, PE expands to 14.4
Base Case
$42.03
(+22%)
Market implied 22.8%, PE stable at 13.1
Bear Case
$23.28
(-32%)
Severe decline -20.0%, PE contracts to 11.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 10.8 to 10.9
Stabilization Target:
$35.07
(+1.1%)
PE Expansion Potential:
+1.1%
Last updated: January 31, 2026 1:04 PM ET
Data refreshes hourly during market hours. Next update: 2:04 PM
Data refreshes hourly during market hours. Next update: 2:04 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is UCB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
USB
U.S. Bancorp |
BUY
24 analysts |
$62 | 63 BUY |
|
FITB
Fifth Third Bancorp |
BUY
24 analysts |
$56 | 63 BUY |
|
HBAN
Huntington Bancshares In… |
STRONG BUY
21 analysts |
$20 | 58 HOLD |
|
WBS
Webster Financial Corpor… |
STRONG BUY
16 analysts |
$75 | 59 HOLD |
|
CFG
Citizens Financial Group… |
BUY
21 analysts |
$71 | 59 HOLD |
Advanced UCB Option Strategies
Professional options setups generated by AI based on today's UCB price and gamma walls.
