UNITED COMMUNITY BANKS INC (UCB)
State Commercial Banks · Financial Services · $4.0B
Intrinsic Value (Consensus)
$68.63
Current Price
$33.31
Margin of Safety
+106%
106% Below Intrinsic Value
Value: $69
Price: $33
Valuation Model Estimates
Current Price: $33.31
DCF (Discounted Cash Flow)
$139.67
Graham Number
$42.33
Earnings Power Value
$25.44
Relative Value (P/E)
$52.40
Dividend Discount Model
$83.33
Consensus Value
$68.63
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
71
Profitability
15/25
Strength
24/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Declining revenue — top line is shrinking
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
High free cash flow yield (8.9%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $2.62
- EPS (Forward)
- $3.14
- Book Value
- $30.40
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 9.0%
- Debt/Equity
- 3%
- Revenue Growth
- -6.0%
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.5%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance