Three independent discounted-cash-flow-style models value United Community Banks, Inc. every trading day. 0 of 3 currently price UCB above its market price.
| Free Cash Flow model | $22.04 |
| Excess Profit model | $32.42 |
| Residual Earnings model | $8.26 |
| Dividend Discount model | $54.77 |
| Piotroski F-Score | 7 / 9 |
| Return on invested capital | +8.9% |
| Net debt / EBITDA | -0.7× |
| Gross margin | +100.0% |
| Revenue CAGR | +18.0% |
| Cash conversion | 1.2× |
| Dividend yield | +3.0% |
| Buyback yield | -1.3% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
Open UCB in StockKitty