UCB (United Community Banks) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

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UCB United Community Banks Inc UCB
63 GF Score
Price $37.09
GF Value $32.90
Valuation Modestly Overvalued
! 4 Warning Signs
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What is United Community Banks ROC (Joel Greenblatt) %?

United Community Banks UCB +3.03% 63 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates UCB with a GF Score™ of 63/100 and a GF Value™ of $32.90 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 46 Banks companies, United Community Banks ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

UCB
63GF Score
United Community Banks Inc UCB
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
United Community Banks (UCB) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on United Community Banks and its competitors. According to the industry distribution chart, United Community Banks ranks #999999 out of 46 companies in the Banks industry.
Is United Community Banks' ROC (Joel Greenblatt) % too high?
United Community Banks' current ROC (Joel Greenblatt) % is %. Based on the distribution chart, United Community Banks ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, United Community Banks has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Community Banks' ROC (Joel Greenblatt) % compare to CATY and INDB?
According to the Banks industry distribution chart, United Community Banks ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places United Community Banks in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on United Community Banks and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Community Banks's current ROC (Joel Greenblatt) % is %. 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 Modestly Overvalued. The stock's GF Value™ is $32.90, compared to a current price of $37.09 — trading 12.7% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For United Community Banks (UCB), the current ROC (Joel Greenblatt) % is % 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 $37.09 is trading 12.7% above its estimated GF Value™ of $32.90. GuruFocus considers United Community Banks to be Modestly Overvalued.

Key valuation signals for UCB:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $32.90 vs. price of $37.09 (12.7% above fair value)
  • GF Score™: 63/100 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

Other Exchanges UCBN:Germany
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.
63GF Score

Get the complete analysis for UCB

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$37.09
Price
$32.90
GF Value