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United Community BanksUCB -1.02%62 5-Year Yield-on-Cost % is 3.91 as of Jul. 23, 2026, which is 16% above its 10-year median of 3.38. 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 1,251 Banks companies, United Community Banks ranks better than 50.6% on this metric.
United Community Banks's yield on cost for the quarter that ended in Mar. 2026 was 3.91.
The historical rank and industry rank for United Community Banks's 5-Year Yield-on-Cost % or its related term are showing as below:
UCB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.27 Med: 3.38 Max: 6.01
Current: 3.91
During the past 13 years, United Community Banks's highest Yield on Cost was 6.01. The lowest was 1.27. And the median was 3.38.
UCB's 5-Year Yield-on-Cost % is ranked better than 50.6% of 1251
companies
in the Banks industry
Industry Median: 3.88
vs UCB: 3.91
United Community Banks (NYSE:UCB) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
United Community Banks 5-Year Yield-on-Cost % Related Terms
UCB vs CATY, INDB, FBP: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, United Community Banks's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, United Community Banks's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where United Community Banks's 5-Year Yield-on-Cost % falls into.
United Community Banks 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
United Community Banks (UCB) has a 5-Year Yield-on-Cost % of 3.91 as of Jul. 23, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on United Community Banks and its competitors. This is 16% above median its historical median of 3.38. Over the past decade, United Community Banks' 5-Year Yield-on-Cost % has ranged from 1.27 to 6.01. According to the industry distribution chart, United Community Banks ranks #618 out of 1251 companies in the Banks industry, placing it in the top 49.4%.
Is United Community Banks' 5-Year Yield-on-Cost % too high?
United Community Banks' current 5-Year Yield-on-Cost % of 3.91 is 16% above median its 10-year median of 3.38. Over the past 10 years, this metric has ranged from a low of 1.27 to a high of 6.01. The Banks industry median 5-Year Yield-on-Cost % is 3.88. United Community Banks' value of 3.91 is 0.8% above this industry median. Based on the distribution chart, United Community Banks ranks #618 out of 1251 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' 5-Year Yield-on-Cost % compare to CATY and INDB?
According to the Banks industry distribution chart, United Community Banks ranks #618 out of 1251 companies for 5-Year Yield-on-Cost %. This puts United Community Banks in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. United Community Banks' value of 3.91 is 0.8% above this benchmark. Historically, United Community Banks' own 5-Year Yield-on-Cost % has ranged from 1.27 to 6.01 over the past decade. While the company's 10-year median is 3.38 vs. the industry median of 3.88, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.88, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Community Banks's current 5-Year Yield-on-Cost % of 3.91 is 0.8% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on United Community Banks and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Community Banks's current 5-Year Yield-on-Cost % is 3.91, which is 16% above median its own 10-year median of 3.38. 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 5-Year Yield-on-Cost % is 3.91, which is 16% above median its 10-year median of 3.38 and 0.8% above the Banks industry median of 3.88. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For United Community Banks (UCB), the current 5-Year Yield-on-Cost % is 3.91 as of Jul. 23, 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:
5-Year Yield-on-Cost %: 3.91 (16% above median its 10-year median of 3.38)
GF Value™: $32.93 vs. price of $34.99 (6.3% above fair value)
Industry Position: 0.8% above the Banks median (#618 of 1251)
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
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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