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United Community BanksUCB -1.02%62 Return-on-Tangible-Asset is 1.24% as of Mar. 2026, which is 7% above its 10-year median of 1.16. GuruFocus rates UCB with a GF Score™ of 62/100 and a GF Value™ of $32.93 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,523 Banks companies, United Community Banks ranks better than 66.91% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. United Community Banks's annualizedNet Income for the quarter that ended in Mar. 2026 was $337 Mil. United Community Banks's average total tangible assets for the quarter that ended in Mar. 2026 was $27,123 Mil. Therefore, United Community Banks's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.24%.
The historical rank and industry rank for United Community Banks's Return-on-Tangible-Asset or its related term are showing as below:
UCB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.61 Med: 1.16 Max: 1.5
Current: 1.26
During the past 13 years, United Community Banks's highest Return-on-Tangible-Asset was 1.50%. The lowest was 0.61%. And the median was 1.16%.
UCB's Return-on-Tangible-Asset is ranked better than 66.91% of 1523
companies
in the Banks industry
Industry Median: 0.99
vs UCB: 1.26
United Community Banks (NYSE:UCB) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
United Community Banks Return-on-Tangible-Asset Related Terms
United Community Banks Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for United Community Banks's Return-on-Tangible-Asset can be seen below:
* 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 Return-on-Tangible-Asset Chart
UCB vs CATY, INDB, FBP: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, United Community Banks's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, United Community Banks's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where United Community Banks's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.24% mean?
United Community Banks (UCB) has a Return-on-Tangible-Asset of 1.24% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on United Community Banks and its competitors. This is near median its historical median of 1.16. Over the past decade, United Community Banks' Return-on-Tangible-Asset has ranged from 0.61 to 1.50. According to the industry distribution chart, United Community Banks ranks #504 out of 1523 companies in the Banks industry, placing it in the top 33.1%.
Is United Community Banks' Return-on-Tangible-Asset too high?
United Community Banks' current Return-on-Tangible-Asset of 1.24% is near median its 10-year median of 1.16. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 1.50. The Banks industry median Return-on-Tangible-Asset is 0.99. United Community Banks' value of 1.24% is 25.3% above this industry median. Based on the distribution chart, United Community Banks ranks #504 out of 1523 companies in the Banks industry, which is above 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' Return-on-Tangible-Asset compare to CATY and INDB?
According to the Banks industry distribution chart, United Community Banks ranks #504 out of 1523 companies for Return-on-Tangible-Asset. This puts United Community Banks in the upper half of its industry. The industry median Return-on-Tangible-Asset is 0.99. United Community Banks' value of 1.24% is 25.3% above this benchmark. Historically, United Community Banks' own Return-on-Tangible-Asset has ranged from 0.61 to 1.50 over the past decade. While the company's 10-year median is 1.16 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Community Banks's current Return-on-Tangible-Asset of 1.24% is 25.3% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on United Community Banks and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Community Banks's current Return-on-Tangible-Asset is 1.24%, which is near median its own 10-year median of 1.16. 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 $34.99 — trading 6.3% above its estimated fair value. The current Return-on-Tangible-Asset is 1.24%, which is near median its 10-year median of 1.16 and 25.3% above the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For United Community Banks (UCB), the current Return-on-Tangible-Asset is 1.24% as of Mar. 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 $34.99 is trading 6.3% above its estimated GF Value™ of $32.93.
GuruFocus considers United Community Banks to be Fairly Valued.
Key valuation signals for UCB:
Return-on-Tangible-Asset: 1.24% (near median its 10-year median of 1.16)
GF Value™: $32.93 vs. price of $34.99 (6.3% above fair value)
Industry Position: 25.3% above the Banks median (#504 of 1523)
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
Get the complete analysis for UCB
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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