UCB
United Community Banks
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NYSE: UCB
- PE Ratio
The current PE ratio for United Community Banks stock as of Jun 22, 2026 is 12.23. This is calculated based on the current EPS of $2.73 and the stock price of $33.38 per share. The current PE ratio is nearly the same as the last four quarters average.
UCB PE ratio history
The average historical PE ratio of United Community Banks for the last ten years is 15.2. The current price-to-earnings ratio of 12.23 is 20% less than the historical average. In the past ten years, UCB's PE ratio reached its highest point in the Dec 2017 quarter at 30.59, when the stock price was $28.14 and the EPS was $0.92. The lowest point was recorded in the Mar 2020 quarter, when it reached 8.48 with a price of $18.31 and an EPS of $2.16.
United Community Banks PE ratio by year
Maximum annual increase: 326.5% in 2014
Maximum annual decrease: -83.9% in 2013
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 11.92 | -24.75% | $31.22 | $2.62 |
| 2024 | 15.84 | -16.63% | $32.31 | $2.04 |
| 2023 | 19 | 41.69% | $29.26 | $1.54 |
| 2022 | 13.41 | 10.83% | $33.8 | $2.52 |
| 2021 | 12.1 | -18.74% | $35.94 | $2.97 |
| 2020 | 14.89 | 11.37% | $28.44 | $1.91 |
| 2019 | 13.37 | 28.93% | $30.88 | $2.31 |
| 2018 | 10.37 | -66.1% | $21.46 | $2.07 |
| 2017 | 30.59 | 44.57% | $28.14 | $0.92 |
| 2016 | 21.16 | 18.34% | $29.62 | $1.4 |
| 2015 | 17.88 | 4.81% | $19.49 | $1.09 |
| 2014 | 17.06 | 326.5% | $18.94 | $1.11 |
| 2013 | 4 | -83.9% | $17.75 | $4.44 |
| 2012 | 24.84 | N/A | $9.44 | $0.38 |
| 2011 | N/A | N/A | $6.99 | -$5.97 |
United Community Banks PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 11.53 | -3.27% | $31.49 | $2.73 |
| Dec 2025 | 11.92 | -3.79% | $31.22 | $2.62 |
| Sep 2025 | 12.39 | -8.49% | $31.35 | $2.53 |
| Jun 2025 | 13.54 | 1.58% | $29.79 | $2.2 |
| Mar 2025 | 13.33 | -15.85% | $28.13 | $2.11 |
| Dec 2024 | 15.84 | -16.68% | $32.31 | $2.04 |
| Sep 2024 | 19.01 | 15% | $29.08 | $1.53 |
| Jun 2024 | 16.53 | -3.9% | $25.46 | $1.54 |
| Mar 2024 | 17.2 | -9.47% | $26.32 | $1.53 |
| Dec 2023 | 19 | 62.95% | $29.26 | $1.54 |
| Sep 2023 | 11.66 | 18.02% | $25.41 | $2.18 |
| Jun 2023 | 9.88 | -8.26% | $24.99 | $2.53 |
| Mar 2023 | 10.77 | -19.69% | $28.12 | $2.61 |
| Dec 2022 | 13.41 | -5.63% | $33.8 | $2.52 |
| Sep 2022 | 14.21 | 13.41% | $33.1 | $2.33 |
UCB Price vs fair value
UCB average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
The current PE ratio of UCB is lower than the 3, 5 and 10-year averages.
PE comparison
With a P/E of 12.23, UCB stands below the Financial Services sector and the industry average. But when looking at its Financial Services sector average of 12.78, United Community Banks's P/E is only 4.3% lower.
UCB PE vs peers
UCB's PE ratio is less than its peer stocks ABCB and BANF, but it is above COLB's.
| Stock name | PE ratio | Market cap |
|---|---|---|
| COLB Columbia Banking System Inc | 12.17 | $9.05B |
| UCB United Community Banks Inc | 12.47 | $4.07B |
| ABCB Ameris Bancorp | 13.85 | $5.95B |
| BANF Bancfirst Corp | 15.11 | $3.76B |
| LION Lionsgate Studios Corp. | N/A | $4.36B |
Frequently asked questions
What is United Community Banks's PE ratio?
The price to earnings ratio for UCB stock as of Jun 22, 2026, stands at 12.23.
What is the 3-year average PE ratio for United Community Banks (UCB)?
The 3-year average PE ratio for UCB stock is 14.32.
What is the 5-year average PE ratio for United Community Banks (UCB)?
The 5-year average PE ratio for UCB stock is 13.53.
What is the highest PE ratio for UCB?
The highest quarterly PE ratio in the last ten years has been 30.59 and it was in the Dec 2017 quarter.
How does the current PE ratio for UCB compare to its historical average?
The current price to earnings ratio of UCB is 20% lower than the 10-year historical average.
How is UCB's PE ratio calculated (United Community Banks PE ratio formula)?
The P/E ratio is calculated by dividing the latest price of a stock by its trailing twelve months EPS. As of today (Jun 22, 2026), United Community Banks's stock price is $33.38. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $2.73. Therefore, United Community Banks's price to earnings ratio for today is 12.23. PE RATIO(12.23) = STOCK PRICE($33.38) / TTM EPS($2.73)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.