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UCB

United Community BanksC
NYSE / Banks
Last Price
Quote time unavailable
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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 +2.1.
What can break
Credit deterioration and rising loan-loss provisions
Momentum
47
Value
55
Sentiment
62
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $35.40 · Bull $38.00 · Bear $30.00Analysis 2026-01-16; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-08 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-16 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-09-08

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-08. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $39.50
Why
Momentum47 · Δ7d -2.5
Value55 · Δ7d -0.0
Sentiment62 · Δ7d +2.1
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +2.1.

Contradictions & invalidation

  • • Credit deterioration and rising loan-loss provisions
  • • Execution failures (integration, buybacks) or regulatory actions
  • • Deposit pressure, NIM compression or rising loan‑loss provisions force higher funding costs and pause buybacks; combined with integration setbacks, this precipitates multiple compression and leaves shares below the anchor.

Catalyst clock

2026-04-16

Q1 2026 Quarterly Results (estimated)

Lead driver: Sentiment · See AI snapshot
Momentum
47
9% active weight
Current posture
7d trendSoftening
Δ7d
-2.5
Δ21d
-4.4
Value
55
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.0
Sentiment
62
62% active weight
Current posture
7d trendImproving
Δ7d
+2.1
Δ21d
+4.0
Why this grade

Composite grade C. Momentum 46.7 / Value 55.0 / Sentiment 62.2

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-01-16. Scenario method

B+
Bull case
20%
Probability
Target price
$38.00
Analysis reference price unavailable
Analysis 2026-01-16 · RankAlpha Sentiment AI
Most likely
B
Base case
60%
Probability
Target price
$35.40
Analysis reference price unavailable
Analysis 2026-01-16 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$30.00
Analysis reference price unavailable
Analysis 2026-01-16 · RankAlpha Sentiment AI
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$4.42B
Beta
0.85
Shares Out
120.58M
P/E (TTM)
12.7
P/S (TTM)
3.77
P/FCF (TTM)
12.34
Rev YoY
-0.5%
EPS YoY
+51.0%
Gross Margin
-
Op Margin
+32.3%
Net Debt
$41.18M
Current Ratio
0.05
As of 2026-09-08 • Updated nightlySource: Internal modelMethods & Data