SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
United Community Banks, Inc. (UCB) trades at a trailing P/E of 12.6, forward P/E of 11.3. Trailing earnings yield is 7.93%, forward earnings yield 8.83%. PEG 0.44 (Peter Lynch undervalued ≤1.0). Graham Number is $42.60.
Criteria proven by this page:
- VALUE (62/100, Pass) — P/E is below market average (12.6); PEG ≤ 1.0 — Peter Lynch undervalued (0.44); analyst target implies upside (+15.4%); earnings yield beats bond yields (7.93%).
- Forward P/E 11.3 (down from trailing 12.6) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.44 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 7.93% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 8.83% as earnings recover.
- Analyst consensus target $39.00 (+15.4% upside) — significant upside potential according to Wall Street analysts.
Overall SharesGrow Score: 66/100 with 4/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
62/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
33/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — UCB
Valuation Multiples
P/E (TTM)12.6
Forward P/E11.3
PEG Ratio0.44
Forward PEG0.82
P/B Ratio1.14
P/S Ratio2.65
EV/EBITDA8.9
Per Share Data
EPS (TTM)$2.70
Forward EPS (Est.)$2.98
Book Value / Share$29.91
Revenue / Share$12.63
FCF / Share$3.35
Yields & Fair Value
Earnings Yield7.93%
Forward Earnings Yield8.83%
Dividend Yield2.91%
Graham Number$42.60
SharesGrow IV$54.78 (+62%)
Analyst Target$39.00 (+15.4%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
21.2 |
0.74 |
1.98 |
4.97 |
0.75% |
| 2017 |
30.4 |
-0.89 |
1.58 |
4.44 |
1.27% |
| 2018 |
10.3 |
0.08 |
1.17 |
2.96 |
2.44% |
| 2019 |
13.3 |
1.14 |
1.50 |
3.84 |
2.16% |
| 2020 |
14.4 |
-0.83 |
1.18 |
3.40 |
2.64% |
| 2021 |
11.7 |
0.21 |
1.42 |
4.41 |
2.33% |
| 2022 |
13.0 |
-0.86 |
1.33 |
3.88 |
2.60% |
| 2023 |
18.3 |
-0.47 |
1.06 |
2.66 |
3.25% |
| 2024 |
15.3 |
0.47 |
1.13 |
2.61 |
3.06% |
| 2025 |
11.6 |
0.40 |
1.04 |
2.47 |
3.24% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$1.40 |
$428.72M |
$100.66M |
23.5% |
| 2017 |
$0.92 |
$463.98M |
$67.82M |
14.6% |
| 2018 |
$2.07 |
$577.72M |
$166.11M |
28.8% |
| 2019 |
$2.31 |
$640.98M |
$185.72M |
29% |
| 2020 |
$1.91 |
$695.6M |
$164.09M |
23.6% |
| 2021 |
$2.97 |
$716.27M |
$269.8M |
37.7% |
| 2022 |
$2.52 |
$928.93M |
$277.47M |
29.9% |
| 2023 |
$1.54 |
$1.29B |
$187.54M |
14.5% |
| 2024 |
$2.04 |
$1.48B |
$252.4M |
17% |
| 2025 |
$2.62 |
$1.54B |
$328.15M |
21.4% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$2.99 |
$2.91 – $3.17 |
$1.14B |
$1.13B – $1.15B |
6 |
| 2027 |
$3.23 |
$3.20 – $3.25 |
$1.2B |
$1.18B – $1.21B |
5 |
