UCB
United Community BanksCNYSE / Banks
Last Price
At close
2026-06-02
Current thesis
Sustained NIM expansion, disciplined buybacks, and realized merger synergies drive EPS upside and multiple expansion; with stable credit metrics this pushes the stock toward the high‑end analyst range within 12 months.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +6.2.
What can break
Credit deterioration and rising loan-loss provisions
Momentum
41
Value
55
Sentiment
56
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $35.40 · Bull $38.00 · Bear $30.00
Data freshness
Prices
As of 2026-06-02
Fundamentals
As of 2026-06-01 • Vendor: Data Vendor v1
Scores
As of 2026-06-02 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-16 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-06-02
Investment thesis
As of 2026-06-02
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $37.33
Why
Momentum41 · Δ7d -2.7
Value55 · Δ7d +0.8
Sentiment56 · Δ7d +6.2
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Sentiment · See AI snapshot
Momentum
41
34% active weight
Current posture
7d trendImproving
Δ7d
-2.7
Δ21d
-6.4
Value
55
32% active weight
Current posture
7d trendFlat
Δ7d
+0.8
Δ21d
+0.8
Sentiment
56
33% active weight
Current posture
7d trendImproving
Δ7d
+6.2
Δ21d
+9.6
Why this grade
Composite grade C. Momentum 41.0 / Value 55.4 / Sentiment 56.1
Fundamentals (TTM)As of 2026-06-01
Fundamentals (TTM)
As of 2026-06-01
Market Cap
$3.87B
Beta
0.85
Shares Out
121.56M
P/E (TTM)
12.7
P/S (TTM)
3.77
P/FCF (TTM)
12.34
Rev YoY
+1.4%
EPS YoY
+85.7%
Gross Margin
-
Op Margin
+39.2%
Net Debt
$152.99M
Current Ratio
-
As of 2026-06-02 • Updated nightlySource: Internal modelMethodology