UCB (United Community Banks) Moat Score: 4/10 (As of Jul. 02, 2026)


UCB United Community Banks Inc UCB
62 GF Score
Price $35.90
GF Value $32.97
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is United Community Banks Moat Score?

United Community Banks UCB -0.42% 62 Moat Score is 4 as of Jul. 02, 2026. GuruFocus rates UCB with a GF Score™ of 62/100 and a GF Value™ of $32.97 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,612 Banks companies, United Community Banks ranks better than 86.23% on this metric.

United Community Banks has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

United Community Banks has Narrow Moat: United Community Banks Inc has a modest moat due to its regional banking presence and customer relationships. It benefits from some economies of scale but lacks significant network effects, intellectual property, or regulatory barriers that would strengthen its competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes United Community Banks might have Narrow Moat - Discernible but modest moat.

United Community Banks  (NYSE:UCB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

United Community Banks Moat Score Related Terms

UCB vs CATY, INDB, FBP: Moat Score Comparison

For the Banks - Regional subindustry, United Community Banks's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, United Community Banks's Moat Score distribution charts can be found below:

* The bar in red indicates where United Community Banks's Moat Score falls into.


UCB
62GF Score
United Community Banks Inc UCB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
United Community Banks (UCB) has a Moat Score of 4 as of Jul. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, United Community Banks ranks #222 out of 1612 companies in the Banks industry, placing it in the top 13.8%.
Is United Community Banks' Moat Score too high?
United Community Banks' current Moat Score is 4. Based on the distribution chart, United Community Banks ranks #222 out of 1612 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 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United Community Banks' Moat Score compare to CATY and INDB?
According to the Banks industry distribution chart, United Community Banks ranks #222 out of 1612 companies for Moat Score. This places United Community Banks in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. United Community Banks's current Moat Score is 4. 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 $32.97, compared to a current price of $35.90 — trading 8.9% above its estimated fair value. The current Moat Score is 4. United Community Banks' overall GF Score™ is 62/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For United Community Banks (UCB), the current Moat Score is 4 as of Jul. 02, 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 $35.90 is trading 8.9% above its estimated GF Value™ of $32.97. GuruFocus considers United Community Banks to be Fairly Valued.

Key valuation signals for UCB:

  • Moat Score: 4
  • GF Value™: $32.97 vs. price of $35.90 (8.9% above fair value)
  • GF Score™: 62/100 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.
62GF Score

Get the complete analysis for UCB

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$35.90
Price
$32.97
GF Value