United Community Banks Inc (NYSE: UCB) has seen a rise in its stock price by 0.53 in relation to its previous close of 24.52. However, the company has experienced a -3.41% decline in its stock price over the last five trading sessions. zacks.com reported 2025-04-15 that United Community Banks (UCB) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
Is It Worth Investing in United Community Banks Inc (NYSE: UCB) Right Now?
The price-to-earnings ratio for United Community Banks Inc (NYSE: UCB) is above average at 12.08x. The 36-month beta value for UCB is also noteworthy at 0.81. There are mixed opinions on the stock, with 3 analysts rating it as a “buy,” 1 rating it as “overweight,” 4 rating it as “hold,” and 0 rating it as “sell.”
The public float for UCB is 118.60M, and at present, short sellers hold a 2.37% of that float. The average trading volume of UCB on April 17, 2025 was 810.42K shares.
UCB’s Market Performance
UCB stock saw a decrease of -3.41% in the past week, with a monthly decline of -13.93% and a quarterly a decrease of -23.11%. The volatility ratio for the week is 4.53%, and the volatility levels for the last 30 days are 4.32% for United Community Banks Inc (UCB). The simple moving average for the last 20 days is -6.24% for UCB stock, with a simple moving average of -17.88% for the last 200 days.
Analysts’ Opinion of UCB
Many brokerage firms have already submitted their reports for UCB stocks, with Hovde Group repeating the rating for UCB by listing it as a “Outperform.” The predicted price for UCB in the upcoming period, according to Hovde Group is $31 based on the research report published on April 07, 2025 of the current year 2025.
Hovde Group, on the other hand, stated in their research note that they expect to see UCB reach a price target of $32, previously predicting the price at $36. The rating they have provided for UCB stocks is “Market Perform” according to the report published on March 20th, 2025.
Raymond James gave a rating of “Outperform” to UCB, setting the target price at $35 in the report published on December 19th of the previous year.
UCB Trading at -15.91% from the 50-Day Moving Average
After a stumble in the market that brought UCB to its low price for the period of the last 52 weeks, the company was unable to rebound, for now settling with -30.33% of loss for the given period.
Volatility was left at 4.32%, however, over the last 30 days, the volatility rate increased by 4.53%, as shares sank -14.79% for the moving average over the last 20 days. Over the last 50 days, in opposition, the stock is trading -26.35% lower at present.
During the last 5 trading sessions, UCB fell by -3.41%, which changed the moving average for the period of 200-days by -3.18% in comparison to the 20-day moving average, which settled at $26.29. In addition, United Community Banks Inc saw -23.71% in overturn over a single year, with a tendency to cut further losses.
Insider Trading
Reports are indicating that there were more than several insider trading activities at UCB starting from Davis Sally Pope, who purchase 1,800 shares at the price of $28.19 back on Mar 11 ’25. After this action, Davis Sally Pope now owns 3,264 shares of United Community Banks Inc, valued at $50,742 using the latest closing price.
HARTON H LYNN, the President & CEO of United Community Banks Inc, sale 3,321 shares at $33.29 during a trade that took place back on Feb 19 ’25, which means that HARTON H LYNN is holding 109,123 shares at $110,563 based on the most recent closing price.
Stock Fundamentals for UCB
Current profitability levels for the company are sitting at:
- 0.12 for the present operating margin
- 0.84 for the gross margin
The net margin for United Community Banks Inc stands at 0.15. The total capital return value is set at 0.02. Equity return is now at value 7.50, with 0.91 for asset returns.
Based on United Community Banks Inc (UCB), the company’s capital structure generated 0.09 points at debt to capital in total, while cash flow to debt ratio is standing at 0.92. The debt to equity ratio resting at 0.1. The interest coverage ratio of the stock is 0.58.
When we switch over and look at the enterprise to sales, we see a ratio of 2.94. The liquidity ratio also appears to be rather interesting for investors as it stands at 0.04.
Conclusion
In summary, United Community Banks Inc (UCB) has had a bad performance as of late. Analysts have mixed opinions on the stock, with some viewing it as a “buy” and others as a “hold”. It’s important to note that the stock is currently trading at a significant distance from its 50-day moving average and its 52-week high.
