UCB (United Community Banks) EPS (Basic): $2.74 (TTM As of Mar. 2026)


UCB United Community Banks Inc UCB
63 GF Score
Price $35.04
GF Value $32.92
Valuation Fairly Valued
! 4 Warning Signs
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What is United Community Banks EPS (Basic)?

United Community Banks UCB +1.42% 63 EPS (Basic) is $2.74 as of Mar. 2026. GuruFocus rates UCB with a GF Score™ of 63/100 and a GF Value™ of $32.92 (Fairly Valued). The stock has 4 warning signs investors should review.

United Community Banks's basic earnings per share (Basic EPS) for the three months ended in Mar. 2026 was $0.69. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Mar. 2026 was $2.74.

United Community Banks's EPS (Diluted) for the three months ended in Mar. 2026 was $0.69. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $2.72.

United Community Banks's EPS without NRI for the three months ended in Mar. 2026 was $0.70. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was 2.77.

During the past 12 months, United Community Banks's average EPS without NRIGrowth Rate was 27.10% per year. During the past 3 years, the average EPS without NRI Growth Rate was 0.60% per year. During the past 5 years, the average EPS without NRI Growth Rate was 1.30% per year. During the past 10 years, the average EPS without NRI Growth Rate was 6.60% 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 EPS without NRI Growth Rate using EPS without NRI data.

During the past 13 years, United Community Banks's highest 3-Year average EPS without NRI Growth Rate was 49.50% per year. The lowest was -30.70% per year. And the median was 13.00% per year.

United Community Banks  (NYSE:UCB) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

United Community Banks EPS (Basic) Related Terms

United Community Banks EPS (Basic) Historical Data

* Premium members only.

The historical data trend for United Community Banks's EPS (Basic) 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 EPS (Basic) Chart

United Community Banks Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.97 2.52 1.54 2.04 2.62

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
EPS (Basic) 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 0.58 0.63 0.71 0.71 0.69
UCB
63GF Score
United Community Banks Inc UCB
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
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United Community Banks EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

United Community Banks's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(328.095-4.719)/121.309
=2.67

United Community Banks's Basic EPS for the quarter that ended in Mar. 2026 is calculated as

Basic EPS (Q: Mar. 2026 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(84.289-0)/120.498
=0.70

EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.74

* 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.

Frequently Asked Questions Learn more about EPS (Basic) →
What does a EPS (Basic) of $2.74 mean?
United Community Banks (UCB) has a EPS (Basic) of $2.74 as of Mar. 2026. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on United Community Banks and its competitors.
Is United Community Banks' EPS (Basic) too high?
United Community Banks' current EPS (Basic) is $2.74. Overall, United Community Banks has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United Community Banks' EPS (Basic) compare to CATY and INDB?
United Community Banks' EPS (Basic) of $2.74 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 EPS (Basic) for a Banks company?
A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) 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 EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on United Community Banks and its competitors. United Community Banks's current EPS (Basic) is $2.74. 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 $32.92, compared to a current price of $35.04 — trading 6.4% above its estimated fair value. The current EPS (Basic) is $2.74. United Community Banks' overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For United Community Banks (UCB), the current EPS (Basic) is $2.74 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 $35.04 is trading 6.4% above its estimated GF Value™ of $32.92. GuruFocus considers United Community Banks to be Fairly Valued.

Key valuation signals for UCB:

  • EPS (Basic): $2.74
  • GF Value™: $32.92 vs. price of $35.04 (6.4% above fair value)
  • GF Score™: 63/100 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

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.
63GF Score

Get the complete analysis for UCB

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$35.04
Price
$32.92
GF Value