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United Community BanksUCB -0.01%61 Debt-to-Equity is 0.32 as of Jun. 2026, which is 146% above its 10-year median of 0.13. GuruFocus rates UCB with a GF Score™ of 61/100 and a GF Value™ of $34.07 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,421 Banks companies, United Community Banks ranks better than 67.14% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for United Community Banks's Debt-to-Equity or its related term are showing as below:
UCB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.03 Med: 0.13 Max: 0.82
Current: 0.32
During the past 13 years, the highest Debt-to-Equity Ratio of United Community Banks was 0.82. The lowest was 0.03. And the median was 0.13.
UCB's Debt-to-Equity is ranked better than 67.14% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs UCB: 0.32
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
United Community Banks Debt-to-Equity Related Terms
United Community Banks Debt-to-Equity Historical Data
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The historical data trend for United Community Banks's Debt-to-Equity 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.
UCB vs CATY, TCBI, WSFS: Debt-to-Equity Comparison
For the Banks - Regional subindustry, United Community Banks's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, United Community Banks's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where United Community Banks's Debt-to-Equity falls into.
* 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 (UCB) has a Debt-to-Equity of 0.32 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on United Community Banks and its competitors. This is 146% above median its historical median of 0.13. Over the past decade, United Community Banks' Debt-to-Equity has ranged from 0.03 to 0.82. According to the industry distribution chart, United Community Banks ranks #467 out of 1421 companies in the Banks industry, placing it in the top 32.9%.
Is United Community Banks' Debt-to-Equity too high?
United Community Banks' current Debt-to-Equity of 0.32 is 146% above median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.82. The Banks industry median Debt-to-Equity is 0.58. United Community Banks' value of 0.32 is 44.8% below this industry median. Based on the distribution chart, United Community Banks ranks #467 out of 1421 companies in the Banks industry, which is above the industry midpoint. Overall, United Community Banks has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United Community Banks' Debt-to-Equity compare to CATY and TCBI?
According to the Banks industry distribution chart, United Community Banks ranks #467 out of 1421 companies for Debt-to-Equity. This puts United Community Banks in the upper half of its industry. The industry median Debt-to-Equity is 0.58. United Community Banks' value of 0.32 is 44.8% below this benchmark. Historically, United Community Banks' own Debt-to-Equity has ranged from 0.03 to 0.82 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 0.58, United Community Banks has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Community Banks's current Debt-to-Equity of 0.32 is 44.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on United Community Banks and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Community Banks's current Debt-to-Equity is 0.32, which is 146% above median its own 10-year median of 0.13. 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 Fairly Valued. The stock's GF Value™ is $34.07, compared to a current price of $36.74 — trading 7.8% above its estimated fair value. The current Debt-to-Equity is 0.32, which is 146% above median its 10-year median of 0.13 and 44.8% below the Banks industry median of 0.58. United Community Banks' overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For United Community Banks (UCB), the current Debt-to-Equity is 0.32 as of Jun. 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 $36.74 is trading 7.8% above its estimated GF Value™ of $34.07.
GuruFocus considers United Community Banks to be Fairly Valued.
Key valuation signals for UCB:
Debt-to-Equity: 0.32 (146% above median its 10-year median of 0.13)
GF Value™: $34.07 vs. price of $36.74 (7.8% above fair value)
Industry Position: 44.8% below the Banks median (#467 of 1421)
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 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.
61GF Score
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