UCB (United Community Banks) Cyclically Adjusted Revenue per Share: $8.68 (As of Mar. 2026)

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UCB United Community Banks Inc UCB
62 GF Score
Price $36.85
GF Value $32.90
Valuation Modestly Overvalued
! 4 Warning Signs
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What is United Community Banks Cyclically Adjusted Revenue per Share?

United Community Banks UCB -0.65% 62 Cyclically Adjusted Revenue per Share is $8.68 as of Mar. 2026. GuruFocus rates UCB with a GF Score™ of 62/100 and a GF Value™ of $32.90 (Modestly Overvalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

United Community Banks's adjusted revenue per share for the three months ended in Mar. 2026 was $2.240. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $8.68 for the trailing ten years ended in Mar. 2026.

During the past 12 months, United Community Banks's average Cyclically Adjusted Revenue Growth Rate was 5.30% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 5.00% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 6.00% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was -7.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of United Community Banks was 6.50% per year. The lowest was -22.00% per year. And the median was -8.30% per year.

As of today (2026-07-17), United Community Banks's current stock price is $36.85. United Community Banks's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was $8.68. United Community Banks's Cyclically Adjusted PS Ratio of today is 4.25.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of United Community Banks was 5.83. The lowest was 1.12. And the median was 3.49.


United Community Banks  (NYSE:UCB) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

United Community Banks's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=36.85/8.68
=4.25

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of United Community Banks was 5.83. The lowest was 1.12. And the median was 3.49.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


United Community Banks Cyclically Adjusted Revenue per Share Related Terms


United Community Banks Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for United Community Banks's Cyclically Adjusted Revenue per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

United Community Banks Cyclically Adjusted Revenue per Share Chart

United Community Banks Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.71 7.32 7.70 8.09 8.48

United Community Banks Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8.24 8.35 8.46 8.48 8.68

UCB vs CATY, INDB, FBP: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, United Community Banks's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


United Community Banks Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, United Community Banks's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where United Community Banks's Cyclically Adjusted PS Ratio falls into.


UCB
62GF Score
United Community Banks Inc UCB
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

United Community Banks Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, United Community Banks's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=2.24/330.2130*330.2130
=2.240

Current CPI (Mar. 2026) = 330.2130.

United Community Banks Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 1.363 241.018 1.867
201609 1.472 241.428 2.013
201612 1.481 241.432 2.026
201703 1.473 243.801 1.995
201706 1.515 244.955 2.042
201709 1.508 246.819 2.018
201712 1.372 246.524 1.838
201803 1.587 249.554 2.100
201806 1.653 251.989 2.166
201809 1.708 252.439 2.234
201812 1.535 251.233 2.018
201903 1.662 254.202 2.159
201906 1.734 256.143 2.235
201909 1.806 256.759 2.323
201912 1.795 256.974 2.307
202003 1.766 258.115 2.259
202006 1.832 257.797 2.347
202009 1.975 260.280 2.506
202012 2.087 260.474 2.646
202103 1.963 264.877 2.447
202106 1.930 271.696 2.346
202109 2.019 274.310 2.430
202112 1.883 278.802 2.230
202203 1.855 287.504 2.131
202206 1.934 296.311 2.155
202209 2.118 296.808 2.356
202212 2.223 296.797 2.473
202303 2.039 301.836 2.231
202306 1.998 305.109 2.162
202309 1.917 307.789 2.057
202312 1.464 306.746 1.576
202403 1.954 312.332 2.066
202406 2.007 314.175 2.109
202409 1.756 315.301 1.839
202412 2.040 315.605 2.134
202503 2.021 319.799 2.087
202506 2.094 322.561 2.144
202509 2.216 324.800 2.253
202512 2.239 324.054 2.282
202603 2.240 330.213 2.240

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $8.68 mean?
United Community Banks (UCB) has a Cyclically Adjusted Revenue per Share of $8.68 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on United Community Banks and its competitors.
Is United Community Banks' Cyclically Adjusted Revenue per Share too high?
United Community Banks' current Cyclically Adjusted Revenue per Share is $8.68. Overall, United Community Banks has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Community Banks' Cyclically Adjusted Revenue per Share compare to CATY and INDB?
United Community Banks' Cyclically Adjusted Revenue per Share of $8.68 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on United Community Banks and its competitors. United Community Banks's current Cyclically Adjusted Revenue per Share is $8.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Community Banks stock overvalued right now?
Based on GuruFocus' analysis, United Community Banks (UCB) is currently considered Modestly Overvalued. The stock's GF Value™ is $32.90, compared to a current price of $36.85 — trading 12% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $8.68. United Community Banks' overall GF Score™ is 62/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For United Community Banks (UCB), the current Cyclically Adjusted Revenue per Share is $8.68 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is United Community Banks (UCB) Overvalued in 2026?

Based on GuruFocus' analysis, United Community Banks stock appears to be overvalued. The current stock price of $36.85 is trading 12% above its estimated GF Value™ of $32.90. GuruFocus considers United Community Banks to be Modestly Overvalued.

Key valuation signals for UCB:

  • Cyclically Adjusted Revenue per Share: $8.68
  • GF Value™: $32.90 vs. price of $36.85 (12% above fair value)
  • GF Score™: 62/100 with 4 warning signs

No single metric tells the full story. See the UCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


United Community Banks Business Description

Other Exchanges UCBN:Germany
Address 200 East Camperdown Way, Greenville, SC, USA, 29601
United Community Banks Inc provides a wide range of financial products and services to the commercial, retail, governmental, educational, energy, health care and real estate sectors. This includes a variety of deposit products, secured and unsecured loans, mortgage loans, payment and commerce solutions, equipment finance services, wealth management, trust services, private banking, investment advisory services, insurance services, and other related financial services. These products and services are delivered through a variety of channels including its branches, other offices, the Internet, and mobile applications. It operates as a locally-focused community bank, supplemented by experienced, centralized support to deliver products and services to its c ustomers.
62GF Score

Get the complete analysis for UCB

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$36.85
Price
$32.90
GF Value