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UCB

United Community BanksB
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
The Q3 release shows operating revenue rising to $292 million from $279 million sequentially, a stable 3.68% margin, 9.8% annualized core-loan growth and 8.0% annualized core-customer-deposit growth. The Q4 presentation projects $0.80–$0.83 EPS and a mid-3.70% margin, subject to its rate assumption.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +4.3.
What can break
Q3 GAAP loss and securities-repositioning charges complicate assessment of sustainable earnings. [#SEC-8K-2026-10-20]
Momentum
58
Value
53
Sentiment
59
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $39.50 · Bull $43.00 · Bear $31.50Analysis 2026-10-23; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-23 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $40.88
Why
Momentum58 · Δ7d +8.6
Value53 · Δ7d -2.4
Sentiment59 · Δ7d +4.3
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +4.3.

Contradictions & invalidation

  • • Q3 GAAP loss and securities-repositioning charges complicate assessment of sustainable earnings. [#SEC-8K-2026-10-20]
  • • Q4 EPS and margin outlook assumes a 25-basis-point December rate hike; a different rate path or weaker loan/deposit economics could undermine it. SEC presentation
  • • The strategic actions produced a $139.7 million GAAP quarterly loss and negative $1.16 GAAP EPS.

Catalyst clock

2026-11-20

Post-earnings reassessment of recurring profitability

Lead driver: Sentiment · See AI snapshot
Momentum
58
8% active weight
Current posture
7d trendImproving
Δ7d
+8.6
Δ21d
+6.8
Value
53
47% active weight
Current posture
7d trendSoftening
Δ7d
-2.4
Δ21d
-2.6
Sentiment
59
45% active weight
Current posture
7d trendImproving
Δ7d
+4.3
Δ21d
-6.0
Why this grade

Composite grade B. Momentum 57.9 / Value 53.0 / Sentiment 58.7

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-23. Scenario method

B+
Bull case
0%
Probability
Target price
$43.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Most likely
B
Base case
1%
Probability
Target price
$39.50
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
B-
Bear case
0%
Probability
Target price
$31.50
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$4.46B
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 2026-10-23 • Updated nightlySource: Internal modelMethods & Data