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United Community BanksUCB -0.14%62 EV-to-OCF is 12.79 as of Aug. 30, 2026, which is 31% above its 10-year median of 9.75. GuruFocus rates UCB with a GF Score™ of 62/100 and a GF Value™ of $34.12 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,493 Banks companies, United Community Banks ranks worse than 79.44% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, United Community Banks's Enterprise Value is $4,967 Mil.
United Community Banks's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $388 Mil. Therefore, United Community Banks's EV-to-OCF for today is 12.79.
The historical rank and industry rank for United Community Banks's EV-to-OCF or its related term are showing as below:
UCB'
s EV-to-OCF Range Over the Past 10 Years
Min: 3.05 Med: 9.75 Max: 26.68
Current: 12.79
During the past 13 years, the highest EV-to-OCF of United Community Banks was 26.68. The lowest was 3.05. And the median was 9.75.
UCB's EV-to-OCF is ranked worse than 79.44% of 1493
companies
in the Banks industry
Industry Median: 3.89
vs UCB: 12.79
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
United Community Banks (NYSE:UCB) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
United Community Banks's PE Ratio (TTM) for today is calculated as:
United Community Banks's share price for today is $35.18.
United Community Banks's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.040.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, United Community Banks's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, United Community Banks's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where United Community Banks's EV-to-OCF falls into.
United Community Banks's current Enterprise Value is $4,967 Mil.
United Community Banks's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $388 Mil.
* 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 EV-to-OCF of 12.79 as of Aug. 30, 2026. This is 31% above median its historical median of 9.75. Over the past decade, United Community Banks' EV-to-OCF has ranged from 3.05 to 26.68. According to the industry distribution chart, United Community Banks ranks #1186 out of 1493 companies in the Banks industry, placing it in the top 79.4%.
Is United Community Banks' EV-to-OCF too high?
United Community Banks' current EV-to-OCF of 12.79 is 31% above median its 10-year median of 9.75. Over the past 10 years, this metric has ranged from a low of 3.05 to a high of 26.68. The Banks industry median EV-to-OCF is 3.89. United Community Banks' value of 12.79 is 228.8% above this industry median. Based on the distribution chart, United Community Banks ranks #1186 out of 1493 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, United Community Banks has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United Community Banks' EV-to-OCF compare to CATY and TCBI?
According to the Banks industry distribution chart, United Community Banks ranks #1186 out of 1493 companies for EV-to-OCF. This places United Community Banks in the lower half of its industry. The industry median EV-to-OCF is 3.89. United Community Banks' value of 12.79 is 228.8% above this benchmark. Historically, United Community Banks' own EV-to-OCF has ranged from 3.05 to 26.68 over the past decade. While the company's 10-year median is 9.75 vs. the industry median of 3.89, United Community Banks has consistently been above 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.89, based on 1,493 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Community Banks's current EV-to-OCF of 12.79 is 228.8% above 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Community Banks's current EV-to-OCF is 12.79, which is 31% above median its own 10-year median of 9.75. 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 $34.12, compared to a current price of $35.18 — trading 3.1% above its estimated fair value. The current EV-to-OCF is 12.79, which is 31% above median its 10-year median of 9.75 and 228.8% above the Banks industry median of 3.89. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For United Community Banks (UCB), the current EV-to-OCF is 12.79 as of Aug. 30, 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 $35.18 is trading 3.1% above its estimated GF Value™ of $34.12.
GuruFocus considers United Community Banks to be Fairly Valued.
Key valuation signals for UCB:
EV-to-OCF: 12.79 (31% above median its 10-year median of 9.75)
GF Value™: $34.12 vs. price of $35.18 (3.1% above fair value)
Industry Position: 228.8% above the Banks median (#1186 of 1493)
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.
62GF Score
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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