United Community Banks's quarterly market cap
declined
from Sep. 2025 ($3,811 Mil) to Dec. 2025 ($3,765 Mil) but then
increased
from Dec. 2025 ($3,765 Mil) to Mar. 2026 ($3,769 Mil).
United Community Banks's annual market cap
increased
from Dec. 2023 ($3,482 Mil) to Dec. 2024 ($3,857 Mil) but then
declined
from Dec. 2024 ($3,857 Mil) to Dec. 2025 ($3,765 Mil).
Enterprise Value is the theoretical takeover price. It is more comprehensive than market capitalization (market cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash and cash equivalents. United Community Banks's Enterprise Value for Today is $3,892 Mil.
United Community Banks (NYSE:UCB) Market Cap Explanation
Market cap is not the real price you pay for a company. If you buy the company and become its owner, you become the owner of the cash the company has, and you also assume the companys debt. The real price you pay is the Enterprise Value.
Warren Buffett uses the ratio of total market cap of all public traded companies over GDP to measure if the market is expensive. As of April 2012, the US total market cap is about $14.7 trillion, while the US GDP is about $15 trillion. The market was modestly overvalued.
* 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 Market Cap, along with its competitors' market caps and Market Cap 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 Market Cap vs Banks Industry
For the Banks industry and Financial Services sector, United Community Banks's Market Cap distribution charts can be found below:
* The bar in red indicates where United Community Banks's Market Cap falls into.
Market cap is the short version of market capitalization. It is the total market value to buy the whole company. It is equal to the share price times the number of shares outstanding.
United Community Banks's Market Cap for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Market Cap of $4,265 Mil as of Jun. 27, 2026. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on United Community Banks and its competitors. According to the industry distribution chart, United Community Banks ranks #342 out of 1544 companies in the Banks industry, placing it in the top 22.2%.
Is United Community Banks' Market Cap too high?
United Community Banks' current Market Cap is $4,265 Mil. The Banks industry median Market Cap is 705.40. United Community Banks' value of $4,265 Mil is 504.6% above this industry median. Based on the distribution chart, United Community Banks ranks #342 out of 1544 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' Market Cap compare to CATY and INDB?
According to the Banks industry distribution chart, United Community Banks ranks #342 out of 1544 companies for Market Cap. This places United Community Banks in the top 22% of its industry — outperforming the majority of peers. The industry median Market Cap is 705.40. United Community Banks' value of $4,265 Mil is 504.6% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Market Cap for a Banks company?
The median Market Cap among Banks companies is 705.40, based on 1,544 companies in the industry. Companies in the top quartile (top 25%) have a Market Cap significantly above this median, while those in the bottom quartile fall well below. However, Market Cap should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Community Banks's current Market Cap of $4,265 Mil is 504.6% 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 Market Cap mean?
A high Market Cap can signal that a stock is expensive relative to its fundamentals. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on United Community Banks and its competitors. For the Banks industry, the median Market Cap is 705.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Community Banks's current Market Cap is $4,265 Mil. 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 Market Cap is $4,265 Mil and 504.6% above the Banks industry median of 705.40. 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 Market Cap calculated?
Market Cap is calculated from a company's financial statements. For United Community Banks (UCB), the current Market Cap is $4,265 Mil 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:
Market Cap: $4,265 Mil
GF Value™: $32.93 vs. price of $35.61 (8.1% above fair value)
Industry Position: 504.6% above the Banks median (#342 of 1544)
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
Market Cap is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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