United Community Banks is a regional bank holding company whose core products are commercial and small business lending, deposit accounts, and mortgage and wealth services across its Southeastern footprint. Its edge is a deposit franchise built in fast-growing metro markets, which tends to keep funding costs low and gives it pricing room on loans. The main near-term driver is the revenue line: reported revenue growth of 24.4% is well ahead of what most regional peers are posting, and the question for a deeper look is how much of that is organic balance-sheet growth versus acquisition or rate-driven net interest income. At a 12.1x trailing and 10.7x forward P/E, with a 10.3% ROE, the market is pricing it as an ordinary bank rather than a high-return franchise. That gap between growth and valuation is what makes it worth a closer look, though the 10.3% ROE means the returns case is not yet proven.
Plain-English pros, cons, and what to watch. Pro feature.
See what each model says, the assumptions behind it, the bad, normal and good cases, and why the fair value changed.
The full quality picture: a reason under every score, how the scores moved, and the conviction breakdown.
The full analyst picture: the price-target distribution against the current price, forward consensus estimates, and how ACCE's own models compare.
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Follow the informed money: 13F position changes, insider and Congress trades, and 13D activist filings.
| Date | Type | New | Previous | Price |
|---|---|---|---|---|
| 24 Oct 2026, 03:20 CEST | ACCE price target | $40.00 | $36.00 | $36.99 |
| 23 Oct 2026, 12:04 CEST | Fair value | $36.35 | $36.79 | $37.23 |
| 21 Oct 2026, 11:06 CEST | Fair value | $36.79 | $35.89 | $35.47 |
| 20 Oct 2026, 14:06 CEST | Rating | Fairly valued | first publication | $33.78 |
| 12 Oct 2026, 00:00 CEST | Fair value | $35.89 | $37.46 | $33.38 |
| 11 Oct 2026, 00:00 CEST | ACCE price target | $36.00 | first publication | $33.38 |
| 28 Sept 2026, 00:00 CEST | Fair value | $37.46 | $38.41 | $34.23 |
| 15 Sept 2026, 00:00 CEST | Fair value | $38.41 | $38.89 | $35.29 |
| 22 Aug 2026, 00:00 CEST | Fair value | $38.89 | $42.27 | $35.69 |
| 19 Aug 2026, 00:00 CEST | Fair value | $42.27 | $42.86 | $36.35 |
Answered from United Community Banks Inc. Common Stock fundamentals + recent valuations. Every number shows its source and date.
| Company | Price | Fair value | vs fair value | P/E | ROE | Quality | Score |
|---|---|---|---|---|---|---|---|
| UCB United Community Banks Inc. Common Stock | $36.99 | $36 | 2% above | 12.1x | 4.1% | 85 | 80 |
| PFDAVVNDA.CL Davivienda Group preferred | COP 28740.00 | - | - | 8.2x | 10.3% | 53 | 82 |
| BOGOTA.CL Banco de Bogota | COP 38240.00 | - | - | 9.0x | 9.2% | 61 | 49 |
| BMA.BA Banco Macro SA B | ARS 10870.00 | - | - | 15.4x | 7.1% | 79 | 57 |
| ITAUCL.SN Banco Itau Chile | CLP 22500.00 | - | - | 12.3x | 9.4% | 81 | 71 |
| PFAVAL.CL Grupo Aval preferred | COP 780.00 | - | - | 10.8x | 10.0% | 58 | 71 |
| GGAL.BA Grupo Financiero Galicia S.A. | ARS 6260.00 | - | - | 47.2x | 1.1% | 59 | 42 |
Where UCB ranks against its sector peers on each metric.