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United Community BanksFRA:UCBN +3.21%66 EV-to-FCF is 12.59 as of Jul. 18, 2026, which is 13% above its 10-year median of 11.10. GuruFocus rates FRA:UCBN with a GF Score™ of 66/100 and a GF Value™ of €27.68 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,194 Banks companies, United Community Banks ranks worse than 68.93% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, United Community Banks's Enterprise Value is €3,507.4 Mil.
United Community Banks's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €278.7 Mil. Therefore, United Community Banks's EV-to-FCF for today is 12.59.
The historical rank and industry rank for United Community Banks's EV-to-FCF or its related term are showing as below:
FRA:UCBN'
s EV-to-FCF Range Over the Past 10 Years
Min: 3.25 Med: 11.1 Max: 32.4
Current: 12.54
During the past 13 years, the highest EV-to-FCF of United Community Banks was 32.40. The lowest was 3.25. And the median was 11.10.
FRA:UCBN's EV-to-FCF is ranked worse than 68.93% of 1194
companies
in the Banks industry
Industry Median: 6.725
vs FRA:UCBN: 12.54
EV-to-FCF 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 (FRA:UCBN) EV-to-FCF Explanation
EV-to-FCF 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 €32.20.
United Community Banks's Earnings per Share (Diluted) 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 €2.337.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, United Community Banks's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where United Community Banks's EV-to-FCF falls into.
United Community Banks's current Enterprise Value is €3,507.4 Mil.
United Community Banks's Free Cash Flow 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 €278.7 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 (FRA:UCBN) has a EV-to-FCF of 12.59 as of Jul. 18, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on United Community Banks and its competitors. This is 13% above median its historical median of 11.10. Over the past decade, United Community Banks' EV-to-FCF has ranged from 3.25 to 32.40. According to the industry distribution chart, United Community Banks ranks #823 out of 1194 companies in the Banks industry, placing it in the top 68.9%.
Is United Community Banks' EV-to-FCF too high?
United Community Banks' current EV-to-FCF of 12.59 is 13% above median its 10-year median of 11.10. Over the past 10 years, this metric has ranged from a low of 3.25 to a high of 32.40. The Banks industry median EV-to-FCF is 6.73. United Community Banks' value of 12.59 is 87.2% above this industry median. Based on the distribution chart, United Community Banks ranks #823 out of 1194 companies in the Banks industry, which is below the industry midpoint. Overall, United Community Banks has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Community Banks' EV-to-FCF compare to CATY and INDB?
According to the Banks industry distribution chart, United Community Banks ranks #823 out of 1194 companies for EV-to-FCF. This places United Community Banks in the lower half of its industry. The industry median EV-to-FCF is 6.73. United Community Banks' value of 12.59 is 87.2% above this benchmark. Historically, United Community Banks' own EV-to-FCF has ranged from 3.25 to 32.40 over the past decade. While the company's 10-year median is 11.10 vs. the industry median of 6.73, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.73, based on 1,194 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Community Banks's current EV-to-FCF of 12.59 is 87.2% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on United Community Banks and its competitors. For the Banks industry, the median EV-to-FCF is 6.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Community Banks's current EV-to-FCF is 12.59, which is 13% above median its own 10-year median of 11.10. 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 (FRA:UCBN) is currently considered Modestly Overvalued. The stock's GF Value™ is €27.68, compared to a current price of €32.20 — trading 16.3% above its estimated fair value. The current EV-to-FCF is 12.59, which is 13% above median its 10-year median of 11.10 and 87.2% above the Banks industry median of 6.73. United Community Banks' overall GF Score™ is 66/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For United Community Banks (FRA:UCBN), the current EV-to-FCF is 12.59 as of Jul. 18, 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 (FRA:UCBN) Overvalued in 2026?
Based on GuruFocus' analysis, United Community Banks stock appears to be overvalued.
The current stock price of €32.20 is trading 16.3% above its estimated GF Value™ of €27.68.
GuruFocus considers United Community Banks to be Modestly Overvalued.
Key valuation signals for FRA:UCBN:
EV-to-FCF: 12.59 (13% above median its 10-year median of 11.10)
GF Value™: €27.68 vs. price of €32.20 (16.3% above fair value)
Industry Position: 87.2% above the Banks median (#823 of 1194)
No single metric tells the full story. See the FRA:UCBN 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.
66GF Score
Get the complete analysis for FRA:UCBN
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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