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


UCB United Community Banks Inc UCB
63 GF Score
Price $35.06
GF Value $32.92
Valuation Fairly Valued
! 4 Warning Signs
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What is United Community Banks ROC %?

United Community Banks UCB +1.48% 63 ROC % is % as of Mar. 2026. 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.

ROC %does not apply to banks.

UCB
63GF Score
United Community Banks Inc UCB
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
United Community Banks (UCB) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on United Community Banks and its competitors.
Is United Community Banks' ROC % too high?
United Community Banks' current ROC % is %. 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' ROC % compare to CATY and INDB?
United Community Banks' ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on United Community Banks and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Community Banks's current ROC % 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 Fairly Valued. The stock's GF Value™ is $32.92, compared to a current price of $35.06 — trading 6.5% above its estimated fair value. The current ROC % 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 % calculated?
ROC % is calculated from a company's financial statements. For United Community Banks (UCB), the current ROC % 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 $35.06 is trading 6.5% above its estimated GF Value™ of $32.92. GuruFocus considers United Community Banks to be Fairly Valued.

Key valuation signals for UCB:

  • ROC %: %
  • GF Value™: $32.92 vs. price of $35.06 (6.5% 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

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

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

$35.06
Price
$32.92
GF Value