United Community BanksUCB +2.74%63 PEG Ratio is 2.07 as of Jul. 02, 2026, which is 60% above its 10-year median of 1.29. GuruFocus rates UCB with a GF Score™ of 63/100 and a GF Value™ of $32.97 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,229 Banks companies, United Community Banks ranks worse than 60.46% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for United Community Banks's PEG Ratio or its related term are showing as below:
UCB'
s PEG Ratio Range Over the Past 10 Years
Min: 0.7 Med: 1.29 Max: 2.65
Current: 2.07
During the past 13 years, United Community Banks's highest PEG Ratio was 2.65. The lowest was 0.70. And the median was 1.29.
UCB's PEG Ratio is ranked worse than 60.46% of 1229
companies
in the Banks industry
Industry Median: 1.52
vs UCB: 2.07
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
United Community Banks (NYSE:UCB) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
* 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, United Community Banks's PEG Ratio distribution charts can be found below:
* The bar in red indicates where United Community Banks's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
United Community Banks (UCB) has a PEG Ratio of 2.07 as of Jul. 02, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on United Community Banks and its competitors. This is 60% above median its historical median of 1.29. Over the past decade, United Community Banks' PEG Ratio has ranged from 0.70 to 2.65. According to the industry distribution chart, United Community Banks ranks #743 out of 1229 companies in the Banks industry, placing it in the top 60.5%.
Is United Community Banks' PEG Ratio too high?
United Community Banks' current PEG Ratio of 2.07 is 60% above median its 10-year median of 1.29. Over the past 10 years, this metric has ranged from a low of 0.70 to a high of 2.65. The Banks industry median PEG Ratio is 1.52. United Community Banks' value of 2.07 is 36.2% above this industry median. Based on the distribution chart, United Community Banks ranks #743 out of 1229 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' PEG Ratio compare to CATY and INDB?
According to the Banks industry distribution chart, United Community Banks ranks #743 out of 1229 companies for PEG Ratio. This places United Community Banks in the lower half of its industry. The industry median PEG Ratio is 1.52. United Community Banks' value of 2.07 is 36.2% above this benchmark. Historically, United Community Banks' own PEG Ratio has ranged from 0.70 to 2.65 over the past decade. While the company's 10-year median is 1.29 vs. the industry median of 1.52, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.52, based on 1,229 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Community Banks's current PEG Ratio of 2.07 is 36.2% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on United Community Banks and its competitors. For the Banks industry, the median PEG Ratio is 1.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Community Banks's current PEG Ratio is 2.07, which is 60% above median its own 10-year median of 1.29. 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 $36.05 — trading 9.3% above its estimated fair value. The current PEG Ratio is 2.07, which is 60% above median its 10-year median of 1.29 and 36.2% above the Banks industry median of 1.52. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For United Community Banks (UCB), the current PEG Ratio is 2.07 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 $36.05 is trading 9.3% above its estimated GF Value™ of $32.97.
GuruFocus considers United Community Banks to be Fairly Valued.
Key valuation signals for UCB:
PEG Ratio: 2.07 (60% above median its 10-year median of 1.29)
GF Value™: $32.97 vs. price of $36.05 (9.3% above fair value)
Industry Position: 36.2% above the Banks median (#743 of 1229)
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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