유니티드 커뮤니티 뱅크스(UCB) 주가 전망 및 기업 분석 - PER·배당·실적·목표주가·RSI·MACD

UCB

United Community Banks Inc

7월 27일 4:00 PM ET (한국 7/28 05:00)

$35.17

-0.08 ▼ -0.23%

🌙 7월 27일 5:26 PM ET (한국 7/28 06:26)

$35.17

+0.00 +0.00%

유니티드 커뮤니티 뱅크스(UCB) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시가총액

$4.2B

스몰캡

P/E

11.5

저평가 구간

배당수익률

2.88%

52주 위치

76%

저점 +23% · 고점 -5%

애널리스트

매수

Fundamental health

vs. Banks - Regional 중형주

수익성

Top 46%

성장

Top 44%

밸류에이션

Top 64%

재무 안정

Top 76%

💰 Is this stock pricier than usual right now?

Compared to this company's own recent 5년 (not other companies).

Very cheap

Cheap

Typical

Pricey

Very pricey

Simply put — what you pay today to own $1 of this company's yearly earnings is 12원. Over the past 5년, it usually traded around 13원. On the cheaper side versus its own history.

Pricy doesn't mean bad — it means expectations are already baked in.

Index ⓘ	RUT	P/E ⓘ	11.5	EPS (ttm) ⓘ	3.06	Insider Own ⓘ	0.7%	Shs Outstand ⓘ	119.8M	Perf Week ⓘ	-2.39%
Market Cap ⓘ	4.21B	Forward P/E ⓘ	10.94	EPS next Y ⓘ	8.79%	Insider Trans ⓘ	-3.39%	Shs Float ⓘ	118.9M	Perf Month ⓘ	0.31%
Enterprise Value ⓘ	-	PEG ⓘ	-	EPS next Q ⓘ	0.74	Inst Own ⓘ	87.04%	Short Float ⓘ	3.4%	Perf Quarter ⓘ	6.32%
Income ⓘ	0.37B	P/S ⓘ	2.73	EPS this Y ⓘ	9.03%	Inst Trans ⓘ	-0.44%	Short Ratio ⓘ	4.41	Perf Half Y ⓘ	3.84%
Sales ⓘ	1.54B	P/B ⓘ	1.12	EPS next 5Y ⓘ	-	ROA ⓘ	1.31%	Short Interest ⓘ	4.04M	Perf YTD ⓘ	12.65%
Book/sh ⓘ	31.27	P/C ⓘ	-	EPS past 3/5Y ⓘ	1.3% 6.49%	ROE ⓘ	10.21%	52W High ⓘ	-5.41% ($37.18)	Perf Year ⓘ	11.51%
Cash/sh ⓘ	-	P/FCF ⓘ	9.75	Sales past 3/5Y ⓘ	17.66% 16.39%	ROIC ⓘ	8.22%	52W Low ⓘ	22.76% ($28.65)	Perf 3Y ⓘ	22.8%
Dividend Est. ⓘ	$1.01 (2.88%)	EV/EBITDA ⓘ	-	EPS Y/Y TTM ⓘ	38.82%	Gross Margin ⓘ	-	Volatility(W/M) ⓘ	1.97% 2.05%	Perf 5Y ⓘ	21.78%
Dividend TTM ⓘ	1	EV/Sales ⓘ	-	Sales Y/Y TTM ⓘ	4.17%	Oper. Margin ⓘ	32.22%	ATR (14) ⓘ	0.74	Perf 10Y ⓘ	81.2%
Dividend Ex-Date ⓘ	2026/6/15	Quick Ratio ⓘ	-	EPS Q/Q ⓘ	50.97%	Profit Margin ⓘ	24.01%	RSI (14) ⓘ	50.67	Recom ⓘ	2.14
Dividend Gr. 3/5Y ⓘ	4.45% 6.36%	Current Ratio ⓘ	0.03	Sales Q/Q ⓘ	-0.01%	SMA20 ⓘ	-1.03% ($35.54)	Beta ⓘ	0.84	Target Price ⓘ	$38.92
Payout ⓘ	37.4%	Debt/Eq ⓘ	0.32	Earnings ⓘ	2026/7/21	SMA50 ⓘ	2.72% ($34.24)	Rel Volume ⓘ	1	Prev Close ⓘ	$35.25
Employees ⓘ	3070	LT Debt/Eq ⓘ	0.22	EPS/Sales Surpr. ⓘ	-12.35% -0.31%	SMA200 ⓘ	7.58% ($32.69)	Avg Volume(3M) ⓘ	0.92M	Price ⓘ	$35.17
IPO ⓘ	2002/3/18	Option/Short ⓘ	Yes/Yes			Trades ⓘ	10922	Volume ⓘ	912,886	Change ⓘ	-0.23%

Quarterly earnings trend SEC filings · USD

24.6

24.9

24.12*

25.3

25.6

25.9

25.12*

26.3

Revenue Net income 최근 분기: 매출 $277M (YoY +12%) · 순이익 $84M (YoY +18%)

* Q4 figures are derived from the annual filing (10-K) · loss-making quarters are underlined in red

📊 United Community Banks Inc (UCB) Investment Analysis

What kind of company is United Community Banks Inc?

유니티드 커뮤니티 뱅크스(UCB) 배당주

Financial · Banks - Regional

#1535 by Market Cap — Mid-Cap

🏦 This is a regional bank holding company based in the southeastern United States. Through its subsidiaries in the Southeast, including Georgia, it provides comprehensive financial services such as deposits, loans, and wealth management to both individual and corporate customers. It is characterized by its community-focused banking approach and consistent dividend payouts. The company is a leading regional bank in the southeastern U.S.

Learn more about United Community Banks Inc →

Market Cap

$4.2B

Approx. KRW 5.8 trillion

⚖️ 1% of Samsung Electronics

Market Cap Rank1535

Employees3,070people

IPO2002/03/18

Current Price$35.17 ≈ 48,183원

📌 RUT · NYSE · USA

Key Events

⏰ Upcoming events

🔔 Earnings release

The next release date has not been announced yet.

🎯 Ex-dividend date

No scheduled dividends

📜 Recent events

🔔 Earnings release 2026년 7월 21일 (화) · 장 시작 전 EPS -12.3% 매출 -0.3%

🎯 Ex-div 2026년 6월 15일 (월) 주당 $0.25

🔔 Earnings release 2026년 4월 21일 (화) · 장 시작 전 EPS +0.0% 매출 +1.0%

🎯 Ex-div 2026년 3월 13일 (금) 주당 $0.25

Is it profitable?

Financial health caution

Profitability — How efficiently it makes money

Operating Margin

Profit kept from selling products and services (higher is better)

32.2%

✓ 우수

My positionTop 25%

Low range Average High range

Banks - Regional 중형주 Median 27.0% · Top 24%

💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수

Net Margin

Share of revenue left after taxes and interest are paid

24.0%

✓ 양호

My positionMid-range

Low range Average High range

Banks - Regional 중형주 Median 21.0% · Top 29%

💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수

ROE

Annual return earned on shareholders' equity (15%+ is strong)

10.2%

✓ 평균

My positionMid-range

Low range Average High range

Financial 중형주 Median 12.1% · Bottom 36%

💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)

ROA

Annual earnings relative to total company assets

1.3%

✓ 평균

My positionMid-range

Low range Average High range

Financial 중형주 Median 1.5% · Bottom 37%

💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수

ROIC

Return generated per dollar invested in the business

8.2%

✓ 평균

My positionMid-range

Low range Average High range

Financial 중형주 Median 8.4% · Bottom 48%

💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수

Financial health — Debt & liquidity burden

Debt-to-Equity (D/E)

Debt relative to equity (lower is healthier)

0.32

✓ Healthy debt

My positionMid-range

Low range Average High range

Banks - Regional Median 0.42

💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)

Current Ratio

Liquid assets available to cover liabilities due within a year

0.03

✓ 위험

💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의

* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Mixed Outlook

Positive and negative signals are mixed

애널리스트 목표가

$38.92

현재가 대비 +10.7%

💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균

예상 PER (Forward)

10.94배

💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인

내년 EPS 예상 성장률

+8.8%

💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상

⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

High Earnings Volatility

Frequently misses analyst estimates

예상 상회

예상 부합

예상 하회

상회 비율

-6.2%

평균 서프라이즈

2026.07.21

하회

실적 $0.71 · 예상 $0.81 -12.3%

2026.04.21

부합

실적 $0.70 · 예상 $0.70 +0.0%

💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Strong Growth

Above the industry average, both historically and going forward

🔮 How much will it grow? (analyst forecasts)

This Year's EPS Outlook

Projected EPS growth rate for this year

+9.0%

양호

My positionMid-range

Low range Average High range

배당주 중형주 Median 4.7% · Top 41%

Next Year's EPS Outlook

Projected EPS growth rate for next year (analyst consensus)

+8.8%

양호

My positionMid-range

Low range Average High range

배당주 중형주 Median 8.7% · Top 50%

📊 How much has it grown? (actual results)

Past 3-Year EPS

Actual average annual EPS growth over the past 3 years

+1.3%

양호

My positionMid-range

Low range Average High range

배당주 중형주 Median -0.2% · Top 46%

Past 5-Year EPS

Actual average annual EPS growth over the past 5 years

+6.5%

양호

My positionMid-range

Low range Average High range

배당주 중형주 Median 4.1% · Top 43%

Past 5-Year Revenue

How much revenue grew over the past 5 years

+16.4%

우수

My positionTop 25%

Low range Average High range

배당주 중형주 Median 8.2% · Top 15%

⚡ Short-term momentum

QoQ Revenue

Revenue change from the previous quarter (short-term momentum)

-0.0%

평균

My positionMid-range

Low range Average High range

배당주 중형주 Median 4.8% · Bottom 29%

* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Long-term weakness — -47%p below the market

UCB +21.8% · S&P 500 +68.3%

Excess return vs. market (price-based, ex-dividends)

5-year basis

vs S&P 500

-46.6%p

Significantly behind the market

1-year basis

vs S&P 500

-4.5%p

roughly in line with the market

Rank among peers

5-year return Lower-Mid (lower 33%) Based on 77 peers

1-year return Bottom 23% Based on 78 peers

Current position within 52-week range

Low (-22.8%p) High (-5.4%p)

Current price is 22.8% above the 52-week low and 5.4% below the 52-week high

Recent risk (last 120 trading days)

Max drawdown

-18.6%

Annualized volatility

25.7%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 137-day series

Price · Bollinger Bands · Ichimoku Cloud

close
BB Upper
BB Mid
BB Lower
Tenkan
Kijun
Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🔴

Current diagnosis · 2026-07-27

Downtrend zone

Current price $35.17 below the midline ($35.54). Normal downward flow. Inside the Ichimoku cloud (neutral).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🟡

Current diagnosis · 2026-07-27

Neutral zone — weak trend

MACD 0.286 · Signal 0.452 · Hist -0.166. Weak directional bias.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🟢

Current diagnosis · 2026-07-27

Bullish zone

RSI 50.7 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 29.5.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Cheaper than peers in its industry

Cheap on Vs. Earnings·Vs. Assets·Vs. Cash Flow, In line with peers on Vs. Sales

💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.

💵 Vs. Earnings Cheap

🏢 Vs. Assets Cheap

🧾 Vs. Sales Mid-range

💧 Vs. Cash Flow Cheap

💵 Vs. Earnings

PER Price-to-Earnings Ratio

How expensive the price is vs. earnings — lower is cheaper

11.50x

✓ Very cheap

My positionTop 25%

Low range Average High range

Banks - Regional 중형주 median 13.04x · Top 20% — relatively cheap within the industry

💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)

💵 Vs. Earnings

Forward PER Forward Price-to-Earnings Ratio

PER using next year's estimated earnings — reflects growth

10.94x

✓ Fair

My positionMid-range

Low range Average High range

Banks - Regional 중형주 median 10.67x · Around the industry average

💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중

🏢 Vs. Assets

PBR Price-to-Book Ratio

Price vs. the company's asset value — below 1 trades cheaper than assets

1.12x

✓ Very cheap

My positionTop 25%

Low range Average High range

Banks - Regional 중형주 median 1.29x · Top 24% — relatively cheap within the industry

💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)

🧾 Vs. Sales

PSR Price-to-Sales Ratio

Market cap vs. revenue — lower is cheaper relative to sales

2.73x

✓ Fair

My positionMid-range

Low range Average High range

Banks - Regional 중형주 median 2.67x · Around the industry average

💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)

💧 Vs. Cash Flow

P/FCF Price-to-Free-Cash-Flow Ratio

Price vs. actual cash generation — lower means more efficient

9.75x

✓ Cheap

My positionMid-range

Low range Average High range

Banks - Regional 중형주 median 12.58x · Around the industry average

💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)

Analyst target price (reference)

$38.92 vs. current price +10.7%

* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.

As of: Recent snapshot · Peer group: Banks - Regional 중형주

Who owns it?

Ownership flow shows some pressure

Insider modest net selling -3.4% · Institutional modest net selling -0.4% · Short interest light 3.4%

📈 Recent trading flow (6 months)

🧑‍💼 Insiders (executives & directors)

-3.4%

Insiders net selling

🏦 Institutions (funds & investors)

-0.4%

Institutions net selling

💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.

👥 Holdings composition

🏦 Institutions 87.0%

Institution-led, stable structure

Financial 중형주 Median 76.4%

🧑‍💼 Insiders 0.7%

Low, common among large-caps

Financial 중형주 Median 3.1%

👤 Retail investors (estimated) 12.3%

Everyone excluding institutions and insiders

Institutions Insiders Retail (est.)

📉 Short-selling metrics

Short ratio

3.4%

Low — limited short-side pressure

Financial 중형주 Median 5.1%

Past 90 days Little change

Short interest days to cover

4.4 days

Days needed to close short positions using average trading volume

🧮 Share count

Total shares outstanding 119.8M주

Float (tradable shares) 118.9M주

* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding UCB

ETFs with the highest weightings · 10 total shown

KBE

State Street SPDR S&P Bank ETF

1.03%

$1.6B

PSCF

Invesco S&P SmallCap Financials ETF

1.01%

$27M

KRE

State Street SPDR S&P Regional Banking ETF

0.98%

$4.3B

SMDV

ProShares Russell 2000 Div Growers ETF

0.94%

$698M

XSVM

Invesco S&P SmallCap Value with Momentum ETF

0.67%

$668M

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

배당주 — 연 2.88% 배당

5년 배당 성장률 6.36%

Dividend Yield

2.88%

Industry average 2.62%

Dividend Per Share

$1.01

Annualized

Payout Ratio

37%

Share of net income paid as dividends

5-Year Growth

6.4%

Annualized dividend growth

🏆 11년 연속 배당 증가

📅 지급월 3월 · 9월 · 12월

📊 총 이력 2002~2026 (74건)

연도별 배당 총액 추이

주당 배당금을 연 단위로 합산한 금액입니다. 막대가 우상향이면 매년 배당이 늘어나고 있다는 뜻입니다.

$0.30 +36.4%

2016

$0.38 +26.7%

2017

$0.58 +52.6%

2018

$0.68 +17.2%

2019

$0.72 +5.9%

2020

$0.78 +8.3%

2021

$0.86 +10.3%

2022

$0.92 +7.0%

2023

$0.94 +2.2%

2024

$0.98 +4.3%

2025

$X.XX 그 해 총 배당금 +X% 전년 대비 증가 -X% 감소

최근 배당 이력 총 74건

아래로 스크롤하면 과거 배당 이력을 볼 수 있습니다.

배당락일

주당 금액

지급일

당시 수익률

2026-03-13

$0.250

—

4.11%

2025-12-15

$0.250

—

3.78%

2025-09-15

$0.250

—

3.82%

2025-06-13

$0.240

—

4.22%

2025-03-14

$0.240

—

4.14%

2024-12-16

$0.240

—

2.83%

2024-09-16

$0.240

—

3.19%

2024-06-14

$0.230

—

3.80%

2024-03-14

$0.230

—

3.69%

2023-12-14

$0.230

—

3.77%

2023-09-14

$0.230

—

4.34%

2023-06-14

$0.230

—

4.28%

2023-03-14

$0.230

—

4.01%

2022-12-14

$0.220

—

3.18%

2022-09-14

$0.220

—

3.17%

2022-06-14

$0.210

—

3.52%

2022-03-14

$0.210

—

2.12%

2021-12-14

$0.200

—

2.81%

2021-09-14

$0.200

—

3.32%

2021-06-14

$0.190

—

2.23%

2021-03-12

$0.190

—

2.50%

2020-12-14

$0.180

—

2.62%

2020-09-14

$0.180

—

4.06%

2020-06-12

$0.180

—

4.48%

2020-03-13

$0.180

—

4.44%

2019-12-13

$0.180

—

2.71%

2019-09-12

$0.170

—

2.94%

2019-06-13

$0.170

—

2.90%

2019-03-14

$0.160

—

2.81%

2018-12-13

$0.160

—

3.01%

2018-09-13

$0.150

—

2.16%

2018-06-14

$0.150

—

1.42%

2018-03-14

$0.120

—

1.26%

2017-12-14

$0.100

—

1.39%

2017-09-14

$0.100

—

1.40%

2017-06-13

$0.090

—

1.46%

2017-03-13

$0.090

—

1.10%

2016-12-13

$0.080

—

1.02%

2016-09-13

$0.080

—

1.36%

2016-06-13

$0.070

—

1.37%

2016-03-11

$0.070

—

1.31%

2015-12-11

$0.060

—

1.43%

2015-09-11

$0.060

—

1.20%

2015-06-11

$0.050

—

1.08%

2015-03-11

$0.050

—

0.84%

2014-12-11

$0.050

—

0.62%

2014-09-12

$0.030

—

0.33%

2014-06-12

$0.030

—

0.19%

2008-06-12

$0.436

—

4.41%

2008-03-12

$0.436

—

2.89%

2007-12-12

$0.436

—

2.54%

2007-09-12

$0.436

—

1.82%

2007-06-13

$0.436

—

1.53%

2007-03-13

$0.436

—

1.22%

2006-12-13

$0.388

—

1.22%

2006-09-13

$0.388

—

1.24%

2006-06-13

$0.388

—

1.27%

2006-03-13

$0.388

—

1.08%

2005-12-13

$0.339

—

1.24%

2005-09-13

$0.339

—

1.21%

2005-06-13

$0.339

—

1.29%

2005-03-11

$0.339

—

1.31%

2004-12-13

$0.291

—

0.84%

2004-09-13

$0.291

—

0.96%

2004-06-14

$0.291

—

0.96%

2004-03-11

$0.291

—

1.22%

2003-12-11

$0.242

—

1.16%

2003-09-11

$0.242

—

1.40%

2003-06-12

$0.242

—

1.42%

2003-03-12

$0.242

—

1.25%

2002-12-26

$0.097

—

0.85%

2002-12-12

$0.204

—

0.73%

2002-09-12

$0.204

—

0.50%

2002-06-12

$0.204

—

0.23%

* "배당락일"은 배당받으려면 이 날 이전에 주식을 보유해야 하는 기준일입니다. 지급일·당시 수익률은 일부 종목에서 데이터가 없을 수 있습니다.

💰 내가 100만원 투자한다면

연간 배당금 (세후) 2.4만원

5년 누적 (세후) 13.9만원

* 환율 1,370원, 세금 15% 반영. 5년 누적은 배당 성장률 연 6.36% 가정.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)

Sorted by market cap, largest first

Stock	Market Cap	PER	PBR	ROE	Dividend Yield	Change
UCB This Stock	$4.2B	11.5 ▲	1.1 ▲	10.21% ▲	2.88% ▲	-0.2%
BRK-B	$966.4B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.5%
BRK-A	$963.1B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.1%
JPM	$954.4B	15.3 ▼	2.7 ▼	17.71% ▲	1.8% ▼	+0.8%
V	$683.1B	31.9 ▼	19.4 ▼	59.8% ▲	0.75% ▼	+1.9%
MA	$487.5B	31.9 ▼	72.8 ▼	232.56% ▲	0.63% ▼	+2.2%
Sector Avg	-	13.6	1.3	9.39%	2.62%	-