United Community BanksUCB +1.62%63 FCF Margin % is 23.06% as of Mar. 2026, which is 31% below its 10-year median of 33.40. 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. Among 1,504 Banks companies, United Community Banks ranks better than 56.91% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, United Community Banks's FCF Margin % distribution charts can be found below:
* The bar in red indicates where United Community Banks's FCF Margin % 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 FCF Margin % of 23.06% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on United Community Banks and its competitors. This is 31% below median its historical median of 33.40. Over the past decade, United Community Banks' FCF Margin % has ranged from 21.93 to 65.04. According to the industry distribution chart, United Community Banks ranks #648 out of 1504 companies in the Banks industry, placing it in the top 43.1%.
Is United Community Banks' FCF Margin % too high?
United Community Banks' current FCF Margin % of 23.06% is 31% below median its 10-year median of 33.40. Over the past 10 years, this metric has ranged from a low of 21.93 to a high of 65.04. The Banks industry median FCF Margin % is 26.50. United Community Banks' value of 23.06% is 13% below this industry median. Based on the distribution chart, United Community Banks ranks #648 out of 1504 companies in the Banks industry, which is above the industry midpoint. 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' FCF Margin % compare to CATY and INDB?
According to the Banks industry distribution chart, United Community Banks ranks #648 out of 1504 companies for FCF Margin %. This puts United Community Banks in the upper half of its industry. The industry median FCF Margin % is 26.50. United Community Banks' value of 23.06% is 13% below this benchmark. Historically, United Community Banks' own FCF Margin % has ranged from 21.93 to 65.04 over the past decade. While the company's 10-year median is 33.40 vs. the industry median of 26.50, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Community Banks's current FCF Margin % of 23.06% is 13% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on United Community Banks and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Community Banks's current FCF Margin % is 23.06%, which is 31% below median its own 10-year median of 33.40. 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 $35.11 — trading 6.7% above its estimated fair value. The current FCF Margin % is 23.06%, which is 31% below median its 10-year median of 33.40 and 13% below the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For United Community Banks (UCB), the current FCF Margin % is 23.06% 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 $35.11 is trading 6.7% above its estimated GF Value™ of $32.92.
GuruFocus considers United Community Banks to be Fairly Valued.
Key valuation signals for UCB:
FCF Margin %: 23.06% (31% below median its 10-year median of 33.40)
GF Value™: $32.92 vs. price of $35.11 (6.7% above fair value)
Industry Position: 13% below the Banks median (#648 of 1504)
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.
63GF Score
Get the complete analysis for UCB
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
UCB has been successfully added to your 
