United Community Banks (UCB) Stock: Buy, Sell, or Hold?
$37.42
-0.05 (-0.13%)
▼
5d:
+1.03%
30d:
+11.44%
90d:
+2.8%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (47%)
Quality Score
44/100
Position
EXTENDED
30-Day Fair Range
$33.88 – $37.29
Position: EXTENDED
Forward P/E & Valuation
10.8x
FAIR
vs 10.5x historical avg
Wall Street Target
$40.88
+9.2% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$36.12 / $38.63
Trend: Sideways
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
📊 MIXED SIGNALS: UCB shows conflicting indicators. Wait for confirmation before entering.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$55.86
Based on 9.1% avg growth
INTRINSIC VALUE TODAY
$34.69
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UCB is currently trading at $37.42, which is considered extended relative to its 30-day fair value range of $33.88 to $37.29. The stock's valuation (Forward PE: 10.8) is in line with its historical norms (10.5). At these levels, the market is pricing in 1.1% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, UCB is showing sideways momentum. Immediate support is located at $36.12, while resistance sits at $38.63.
Market Sentiment: The stock scores a mixed 41/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, UCB is showing sideways momentum. Immediate support is located at $36.12, while resistance sits at $38.63.
Market Sentiment: The stock scores a mixed 41/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$33.88 -
$37.29
Company Quality Score
44/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
47.1%
Trading Range & Key Levels
30-Day Trading Range
$33.88 -
$37.29
Current vs Trading Range
EXTENDED
Support Level
$36.12
Resistance Level
$38.63
Current Trend
Sideways
Technical data as of
Nov 10, 2026
Quantitative Signal Breakdown
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (41/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($40.88)
- NEUTRAL: Market pricing in 1.1% annual earnings growth - fairly valued
- WARNING: Composite score 44/100 in the bottom quintile — this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
10.84
Wall Street Target
$40.88
(+9.2%)
Revenue Growth (YoY)
24.4%
Earnings Growth (YoY)
50.8%
Profit Margin
17.9%
Valuation Premium vs History
+1.1% premium
PE vs Historical
10.8 vs 10.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.1%
(market-implied from PE analysis)
1-Year Target
$37.83
(+1%)
2-Year Target
$38.25
(+2%)
3-Year Target
$38.67
(+3%)
3-Yr Target (if PE normalizes)
(PE: 11→11)
PE COMPRESSION
$37.45
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 14.2%)
$101.98
(+173%)
Base:
(SPY PE: 10.8, Growth: 14.2%)
$55.67
(+49%)
Bear:
(PE: 9.2, Growth: 14.2%)
$47.32
(+27%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (31x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 30.97 | Current EPS (TTM): $1.21
Bull Case
$82.43
(+120%)
Analyst growth 100.0%, PE expands to 34.1
Base Case
$74.94
(+100%)
Market implied 100.0%, PE stable at 31.0
Bear Case
$25.48
(-32%)
Severe decline -20.0%, PE contracts to 26.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (UCB)
Bullish
2 Retail Mentions
Reddit / WSB Comments
1
Bearish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Jun 23, 2026
Daily AI digest
AI Retail Discussion Summary:
StockTwits messages indicate a bullish sentiment towards $UCB stock with one user predicting a significant price increase. No recent news articles were found.
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 11, 2026 8:34 AM ET
Data refreshes hourly during market hours. Next update: 9:34 AM
Data refreshes hourly during market hours. Next update: 9:34 AM
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Technical Signals Check
Is UCB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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