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The 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past year. As of today (2026-08-16), United Community Banks's 1-Year Sharpe Ratio is 0.61.
United Community Banks (NYSE:UCB) 1-Year Sharpe Ratio Explanation
The 1-Year Sharpe Ratio inidicates the risk-adjusted return of an investment over the past year. It is calculated as the annualized result of the average monthly excess return divided by its standard deviation over the past year. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.
The greater a portfolio's Sharpe Ratio, the better its risk-adjusted performance. A negative Sharpe Ratio means the risk-free rate is greater than the portfolio’s historical or projected return, or else the portfolio's return is expected to be negative.
United Community Banks 1-Year Sharpe Ratio Related Terms
UCB vs CATY, TCBI, WSFS: 1-Year Sharpe Ratio Comparison
For the Banks - Regional subindustry, United Community Banks's 1-Year Sharpe Ratio, along with its competitors' market caps and 1-Year Sharpe 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 1-Year Sharpe Ratio vs Banks Industry
For the Banks industry and Financial Services sector, United Community Banks's 1-Year Sharpe Ratio distribution charts can be found below:
* The bar in red indicates where United Community Banks's 1-Year Sharpe Ratio falls into.
United Community Banks 1-Year Sharpe Ratio Calculation
The 1-Year Sharpe Ratio measures the performance of an investment such as a stock or portfolio compared to a risk-free asset. A stock / portfolio's 1-Year Sharpe Ratio can be calculated by dividing the difference between the one-year returns of the investment and the risk-free rate, by the standard deviation of the investment returns over one year.
United Community Banks (UCB) has a 1-Year Sharpe Ratio of 0.61 as of Aug. 16, 2026. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for United Community Banks and its competitors.
Is United Community Banks' 1-Year Sharpe Ratio too high?
United Community Banks' current 1-Year Sharpe Ratio is 0.61. Overall, United Community Banks has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United Community Banks' 1-Year Sharpe Ratio compare to CATY and TCBI?
United Community Banks' 1-Year Sharpe Ratio of 0.61 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 1-Year Sharpe Ratio for a Banks company?
A good 1-Year Sharpe Ratio depends on the Banks industry context. However, 1-Year Sharpe Ratio 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 1-Year Sharpe Ratio mean?
A high 1-Year Sharpe Ratio can signal that a stock is expensive relative to its fundamentals. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for United Community Banks and its competitors. United Community Banks's current 1-Year Sharpe Ratio is 0.61. 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 $34.06, compared to a current price of $36.74 — trading 7.9% above its estimated fair value. The current 1-Year Sharpe Ratio is 0.61. United Community Banks' overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 1-Year Sharpe Ratio calculated?
1-Year Sharpe Ratio is calculated from a company's financial statements. For United Community Banks (UCB), the current 1-Year Sharpe Ratio is 0.61 as of Aug. 16, 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 $36.74 is trading 7.9% above its estimated GF Value™ of $34.06.
GuruFocus considers United Community Banks to be Fairly Valued.
Key valuation signals for UCB:
1-Year Sharpe Ratio: 0.61
GF Value™: $34.06 vs. price of $36.74 (7.9% above fair value)
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.
61GF Score
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1-Year Sharpe Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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