United Community BanksUCB -1.55%62 PS Ratio is 4.04 as of Jul. 06, 2026, which is at its 10-year median of 4.04. GuruFocus rates UCB with a GF Score™ of 62/100 and a GF Value™ of $33.00 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,519 Banks companies, United Community Banks ranks worse than 72.09% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, United Community Banks's share price is $35.49.
United Community Banks's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was $8.79. Hence, United Community Banks's PS Ratio for today is 4.04.
The historical rank and industry rank for United Community Banks's PS Ratio or its related term are showing as below:
UCB'
s PS Ratio Range Over the Past 10 Years
Min: 2.23 Med: 4.04 Max: 5.67
Current: 4.04
During the past 13 years, United Community Banks's highest PS Ratio was 5.67. The lowest was 2.23. And the median was 4.04.
UCB's PS Ratio is ranked worse than 72.09% of 1519
companies
in the Banks industry
Industry Median: 3
vs UCB: 4.04
United Community Banks Inc has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of United Community Banks was 12.30% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 1.80% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 1.30% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 4.90% per year.
During the past 13 years, United Community Banks's highest 3-Year average Revenue per Share Growth Rate was 87.70% per year. The lowest was -41.40% per year. And the median was 6.25% per year.
Back to Basics: PS Ratio
United Community Banks (NYSE:UCB) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
* 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, United Community Banks's PS Ratio distribution charts can be found below:
* The bar in red indicates where United Community Banks's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
United Community Banks's Share Price of today is $35.49. United Community Banks's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $8.79.
* 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:
United Community Banks (UCB) has a PS Ratio of 4.04 as of Jul. 06, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on United Community Banks and its competitors. This is near median its historical median of 4.04. Over the past decade, United Community Banks' PS Ratio has ranged from 2.23 to 5.67. According to the industry distribution chart, United Community Banks ranks #1095 out of 1519 companies in the Banks industry, placing it in the top 72.1%.
Is United Community Banks' PS Ratio too high?
United Community Banks' current PS Ratio of 4.04 is near median its 10-year median of 4.04. Over the past 10 years, this metric has ranged from a low of 2.23 to a high of 5.67. The Banks industry median PS Ratio is 3.00. United Community Banks' value of 4.04 is 34.7% above this industry median. Based on the distribution chart, United Community Banks ranks #1095 out of 1519 companies in the Banks industry, which is below the industry midpoint. 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' PS Ratio compare to CATY and INDB?
According to the Banks industry distribution chart, United Community Banks ranks #1095 out of 1519 companies for PS Ratio. This places United Community Banks in the lower half of its industry. The industry median PS Ratio is 3.00. United Community Banks' value of 4.04 is 34.7% above this benchmark. Historically, United Community Banks' own PS Ratio has ranged from 2.23 to 5.67 over the past decade. While the company's 10-year median is 4.04 vs. the industry median of 3.00, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.00, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Community Banks's current PS Ratio of 4.04 is 34.7% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on United Community Banks and its competitors. For the Banks industry, the median PS Ratio is 3.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Community Banks's current PS Ratio is 4.04, which is near median its own 10-year median of 4.04. 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 $33.00, compared to a current price of $35.49 — trading 7.5% above its estimated fair value. The current PS Ratio is 4.04, which is near median its 10-year median of 4.04 and 34.7% above the Banks industry median of 3.00. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For United Community Banks (UCB), the current PS Ratio is 4.04 as of Jul. 06, 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 $35.49 is trading 7.5% above its estimated GF Value™ of $33.00.
GuruFocus considers United Community Banks to be Fairly Valued.
Key valuation signals for UCB:
PS Ratio: 4.04 (near median its 10-year median of 4.04)
GF Value™: $33.00 vs. price of $35.49 (7.5% above fair value)
Industry Position: 34.7% above the Banks median (#1095 of 1519)
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.
62GF Score
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