United Community BanksUCB +1.57%63 FCF Yield % is 7.61 as of Jun. 27, 2026, which is 11% below its 10-year median of 8.52. GuruFocus rates UCB with a GF Score™ of 63/100 and a GF Value™ of $32.93 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,505 Banks companies, United Community Banks ranks worse than 52.43% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
United Community Banks FCF Yield % Related Terms
United Community Banks FCF Yield % Historical Data
* 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, United Community Banks's FCF Yield % distribution charts can be found below:
* The bar in red indicates where United Community Banks's FCF Yield % 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 Yield % of 7.61 as of Jun. 27, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on United Community Banks and its competitors. This is 11% below median its historical median of 8.52. Over the past decade, United Community Banks' FCF Yield % has ranged from 3.71 to 19.92. According to the industry distribution chart, United Community Banks ranks #789 out of 1505 companies in the Banks industry, placing it in the top 52.4%.
Is United Community Banks' FCF Yield % too high?
United Community Banks' current FCF Yield % of 7.61 is 11% below median its 10-year median of 8.52. Over the past 10 years, this metric has ranged from a low of 3.71 to a high of 19.92. The Banks industry median FCF Yield % is 8.20. United Community Banks' value of 7.61 is 7.2% below this industry median. Based on the distribution chart, United Community Banks ranks #789 out of 1505 companies in the Banks industry, which is below 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 Yield % compare to CATY and INDB?
According to the Banks industry distribution chart, United Community Banks ranks #789 out of 1505 companies for FCF Yield %. This places United Community Banks in the lower half of its industry. The industry median FCF Yield % is 8.20. United Community Banks' value of 7.61 is 7.2% below this benchmark. Historically, United Community Banks' own FCF Yield % has ranged from 3.71 to 19.92 over the past decade. While the company's 10-year median is 8.52 vs. the industry median of 8.20, 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.20, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Community Banks's current FCF Yield % of 7.61 is 7.2% 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on United Community Banks and its competitors. For the Banks industry, the median FCF Yield % is 8.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Community Banks's current FCF Yield % is 7.61, which is 11% below median its own 10-year median of 8.52. 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 $32.93, compared to a current price of $35.61 — trading 8.1% above its estimated fair value. The current FCF Yield % is 7.61, which is 11% below median its 10-year median of 8.52 and 7.2% below the Banks industry median of 8.20. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For United Community Banks (UCB), the current FCF Yield % is 7.61 as of Jun. 27, 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 $35.61 is trading 8.1% above its estimated GF Value™ of $32.93.
GuruFocus considers United Community Banks to be Fairly Valued.
Key valuation signals for UCB:
FCF Yield %: 7.61 (11% below median its 10-year median of 8.52)
GF Value™: $32.93 vs. price of $35.61 (8.1% above fair value)
Industry Position: 7.2% below the Banks median (#789 of 1505)
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
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