United Community BanksUCB +0.84%63 PB Ratio is 1.14 as of Jun. 25, 2026, which is 14% below its 10-year median of 1.33. 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 1,515 Banks companies, United Community Banks ranks worse than 53.07% on this metric.
United Community Banks Inc stock PB Ratio (=1.13) is close to 3-year high of 1.23.
The historical rank and industry rank for United Community Banks's PB Ratio or its related term are showing as below:
UCB'
s PB Ratio Range Over the Past 10 Years
Min: 0.76 Med: 1.33 Max: 1.98
Current: 1.14
During the past 13 years, United Community Banks's highest PB Ratio was 1.98. The lowest was 0.76. And the median was 1.33.
UCB's PB Ratio is ranked worse than 53.07% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs UCB: 1.14
During the past 12 months, United Community Banks's average Book Value Per Share Growth Rate was 6.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 6.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 7.90% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of United Community Banks was 28.30% per year. The lowest was -58.30% per year. And the median was 9.30% per year.
Back to Basics: PB Ratio
United Community Banks (NYSE:UCB) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, United Community Banks's PB Ratio distribution charts can be found below:
* The bar in red indicates where United Community Banks's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
United Community Banks (UCB) has a PB Ratio of 1.14 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on United Community Banks and its competitors. This is 14% below median its historical median of 1.33. Over the past decade, United Community Banks' PB Ratio has ranged from 0.76 to 1.98. According to the industry distribution chart, United Community Banks ranks #804 out of 1515 companies in the Banks industry, placing it in the top 53.1%.
Is United Community Banks' PB Ratio too high?
United Community Banks' current PB Ratio of 1.14 is 14% below median its 10-year median of 1.33. Over the past 10 years, this metric has ranged from a low of 0.76 to a high of 1.98. The Banks industry median PB Ratio is 1.08. United Community Banks' value of 1.14 is 5.6% above this industry median. Based on the distribution chart, United Community Banks ranks #804 out of 1515 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' PB Ratio compare to CATY and INDB?
According to the Banks industry distribution chart, United Community Banks ranks #804 out of 1515 companies for PB Ratio. This places United Community Banks in the lower half of its industry. The industry median PB Ratio is 1.08. United Community Banks' value of 1.14 is 5.6% above this benchmark. Historically, United Community Banks' own PB Ratio has ranged from 0.76 to 1.98 over the past decade. While the company's 10-year median is 1.33 vs. the industry median of 1.08, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Community Banks's current PB Ratio of 1.14 is 5.6% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on United Community Banks and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Community Banks's current PB Ratio is 1.14, which is 14% below median its own 10-year median of 1.33. 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 $34.84 — trading 5.8% above its estimated fair value. The current PB Ratio is 1.14, which is 14% below median its 10-year median of 1.33 and 5.6% above the Banks industry median of 1.08. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For United Community Banks (UCB), the current PB Ratio is 1.14 as of Jun. 25, 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 $34.84 is trading 5.8% above its estimated GF Value™ of $32.92.
GuruFocus considers United Community Banks to be Fairly Valued.
Key valuation signals for UCB:
PB Ratio: 1.14 (14% below median its 10-year median of 1.33)
GF Value™: $32.92 vs. price of $34.84 (5.8% above fair value)
Industry Position: 5.6% above the Banks median (#804 of 1515)
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
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