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UCB
Volume: 951.06K
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UCB Stock Forecast & Price Target

UCB Analyst Ratings

Based on 6 analyst ratings
Hold
Strong Buy 17%
Buy 17%
Hold 67%
Sell 0%
Strong Sell 0%

Bulls say

United Community Banks Inc. has shown a strong commitment to managing deposit costs effectively, expecting to maintain deposit betas in the high 30% range, which reflects enhanced cost control and positioning for future profitability. Recent financial data indicates a promising 5% annualized growth in loans during 4Q24, with significant contributions from various sectors such as commercial and industrial loans and home equity lines of credit, suggesting strong demand and optimism in the lending environment. With an improving efficiency ratio of 55.2% and promising projections for mid-single-digit annualized loan growth in 2025, United Community Banks is well-equipped to capitalize on growth opportunities and enhance revenue acceleration, backed by robust capital ratios.

Bears say

United Community Banks Inc. is projected to experience a decline in Net Interest Margin (NIM) by 4-6 basis points in the fourth quarter of 2024 due to the influx of public fund deposits with lower spreads, which poses a challenge to profitability despite stabilized funding costs. Although non-performing loans (NCOs) have reached their lowest levels since mid-2023, the overall asset earning base is smaller than expected, limiting growth opportunities and reinforcing headwinds for NIM. Additionally, updated earnings estimates reflect diminished profitability prospects, with return on assets (ROA) anticipated at approximately 1.01% and return on equity (ROE) just above 8%, suggesting constrained upside potential for the stock.

UCB has been analyzed by 6 analysts, with a consensus rating of Hold. 17% of analysts recommend a Strong Buy, 17% recommend Buy, 67% suggest Holding, 0% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of United Community Banks Inc and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About United Community Banks Inc (UCB) Forecast

Analysts have given UCB a Hold based on their latest research and market trends.

According to 6 analysts, UCB has a Hold consensus rating as of Jul 23, 2025. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $33, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $33, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

United Community Banks Inc (UCB)

Volume: 951.06K

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