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United Community Banks, Inc.
UCBFinancial ServicesNYSEUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $1.54B | 21.4% | $328.91M | $407.30M | N/A |
| 2027 | $1.65B | 21.4% | $352.60M | $436.63M | $396.93M |
| 2028 | $1.77B | 21.4% | $377.98M | $468.06M | $386.83M |
| 2029 | $1.89B | 21.4% | $405.20M | $501.76M | $376.98M |
| 2030 | $2.03B | 21.4% | $434.37M | $537.89M | $367.39M |
| 2031 | $2.18B | 21.4% | $465.65M | $576.62M | $358.04M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $2.62 | 2025-12-31 |
| EPS growth | +28.9% | Forecast years: 5 |
| Future EPS | $9.323 | EPS × (1 + G)^5 |
| Base P/E | 11.6 | P/E |
| Future price | $108.15 | Future EPS × P/E |
| Fair value today | $67.152 | PV @ 10.0% |
| 30% safety price | $47.007 | Margin of safety |
| 50% safety price | $33.576 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $94.419 | $101.77 | $111.80 |
| 10.0% | $86.976 | $92.398 | $99.488 |
| 11.0% | $81.106 | $85.234 | $90.464 |