UCB United Community Banks, Inc. · $36.45 Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤 Terminal终端 ↗

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United Community Banks, Inc. · Financials

UCB

$36.45
United Community is an American bank. United is one of the largest full-service financial institutions in the Southeast, with $28.2 billion in assets and 200 offices in Alabama, Florida, Georgia, North Carolina, South Carolina and Tennessee.UnitedCommunity是一家美国银行。作为东南部最大的全方位服务金融机构之一，其资产达282亿美元，在阿拉巴马州、佛罗里达州、乔治亚州、北卡罗来纳州、南卡罗来纳州和田纳西州设有200家分行。
Financial金融股 Mid cap中盘 $4B
Engine stance引擎立场2026-07-20
Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤
You missed the bottoming entry — the low already formed and price is now extended (momentum is fading — the daily moment已错过筑底入场——低点已经形成，目前价格已拉伸（动量正在衰竭——日线动量已开始掉头向下）。不要追高；等待回调至 10 日均线或下一个周期低点。若已持有则继续持有。
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Key Statistics关键统计

Price价格
$36.45
1.7% below 52-week high低于52周高点 1.7%
Market Cap市值
$4B
Normal volume正常成交量
P/E Ratio市盈率
13.4x
15.0x sector median
Beta贝塔
0.69
Moves about 0.7x the market波动幅度约为市场的 0.7 倍
RSI (14)RSI（14）
62
Elevated偏高
Next Earnings下次财报
2026-07-22 (3d)
Volatility Rank波动率分位
39th pctile
hist. vol. percentile历史波动率分位数
Short Interest空头兴趣
3.7% of float

Performance价格表现

Period周期 UCB S&P 500vs Index对比指数
1 Week近1周 +2.5% -1.5% Beat the index by 4.0 points跑赢指数 4.0 个百分点
1 Month近1月 +11.9% +0.6% Beat the index by 11.3 points跑赢指数 11.3 个百分点
3 Months近3月 +6.7% +4.7% Beat the index by 2.0 points跑赢指数 2.0 个百分点
6 Months近6月 +8.5% +7.8% In line with the index与指数基本持平
Year to date年初至今 +16.9% +9.1% Beat the index by 7.8 points跑赢指数 7.8 个百分点
1 Year近1年 +17.7% +19.4% Lagged the index by 1.7 points落后指数 1.7 个百分点
3 Years近3年 +39.9% +69.4% Lagged the index by 29.5 points落后指数 29.5 个百分点

Technicals技术面

RSI (14)RSI（14） 62 Elevated偏高
vs 50-day相对50日均线 +7.6% vs 50-day avg
vs 200-day相对200日均线 +12.7% vs 200-day avg
Volatility rank波动率分位 39th percentile 分位
Engine reference levels — not advice引擎参考水平 — 非投资建议
Buy zone买入区间
$35.47
Don't chase above不追高于
$36.45
Stop止损
$32.56
Extended — wait for a pullback过度拉伸 — 等待回撤

Earnings财务业绩

3
days until next report天后公布财报
2026-07-22

Estimates being cut预期下调

Earnings call transcripts — coming soon财报电话会议记录 — 即将上线

Valuation估值

Multiple指标 UCB Sector median行业中位 Cheaper than相对便宜
P/E (trailing)市盈率（历史） 13.40x 14.99
61%
P/B市净率 1.21x 1.52
72%
P/S市销率 4.13x 2.87
36%
Earnings yield盈利收益率 7.46% 6.58
63%
Shareholder yield股东收益率 3.70% 3.91
46%
Analyst price targets — coming soon分析师目标价 — 即将上线

Financials财务数据

Revenue营业收入
$577.4M
2020
$744.4M
2021
$826.2M
2022
$803.8M
2023
$901.2M
2024
$1.1B
2025
5yr CAGR5年复合增速: 13.0%
Earnings Per Share每股收益
$1.91
2020
$2.97
2021
$2.52
2022
$1.54
2023
$2.04
2024
$2.62
2025
5yr CAGR5年复合增速: 6.5%
Free Cash Flow自由现金流
$140.2M
2020
$332.8M
2021
$564.6M
2022
$221.5M
2023
$302.7M
2024
$356.5M
2025
Margins利润率
Net margin净利率
30.9%
FCF margin自由现金流利润率
36.1%
9.0%Return on Equity股本回报率
1.2%Return on Assets资产回报率
Capital Allocation资本配置
Buybacks (TTM)回购（TTM）$44.3M
Stock-based comp股权薪酬$11.4M
Share count change (1y)股数变化（1年）+1.0%
Piotroski皮奥特罗斯基 6/7 Watch关注

Snapshot Gauges综合指标

Valuation vs Sector估值相对行业
Looks cheap vs sector相对行业偏便宜
Cheaper than 56% of its sector on blended multiples综合估值倍数低于行业内 56% 的公司
Beta市场敏感度
0.69×
0.21×3×
Moves about 0.7× the market波动幅度约为市场的 0.7 倍
Financial Health财务健康
6/7
Adequate financial health财务健康状况一般
Dividend分红
—
Does not pay a dividend不派发股息

Why Is It Moving为何波动

Macro宏观 Short-duration name into a restrictive, rising-real-rate regime → rate tailwind.短久期标的进入偏紧、实际利率上行的环境→利率顺风。
Positioning持仓 Insider cluster activity内部人集中交易
Technical技术面 UCB took relative-strength leadershipUCB 取得相对强弱领先

Ownership & Smart Money持仓与聪明钱

Insider activity内部人员活动: -$1.4M net (0 buyers, 3 sellers)-$1.4M 净值（0 买家，3 卖家）

Signal History信号历史

BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS. A daily bottoming setup did fire (swing low in, momentum turned up), but it's LATE — price is already extended above the cycle low (formed ~20 day(s) ago @ 32.56) and momentum is fading — the daily momentum is already rolling over. A momentum cross is a LAGGING confirmation: after a vertical run it only triggers once the move is mature, so the bottoming entry has already passed. This is a chase, not a fresh buy. Last cycle was left-translated (topped early) — a bearish structural tell止盈。日线筑底形态确实已经触发（摆动低点出现、动量转向上行），但为时已晚——价格已显著高于周期低点（约 20 天前形成 @ 32.56）且动量正在衰竭——日线动量已开始掉头向下。动量交叉属于滞后确认：在垂直拉升之后，只有当走势已经成熟时才会触发，因此筑底入场早已错过。这是追高，而非新的买入。 上一周期为左移结构（见顶偏早）——属于看空的结构性信号
TOP WATCH NEARING A HIGH
Jul 16, 2026
UCB took relative-strength leadershipUCB 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $37.09.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$37.09。
Jul 16, 2026
UCB made a new 52-week highUCB 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $37.09.价格创出52周新高 — 全市场关注的动量/趋势极值。$37.09。
Jul 15, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 13, 2026
UPTREND → NEARING A HIGH上涨趋势 → 接近高点
TAKE PROFITS止盈
Jul 10, 2026
BOTTOMING → UPTREND筑底中 → 上涨趋势
HOLD持有
Jul 8, 2026
UPTREND → BOTTOMING上涨趋势 → 筑底中
BUY SETUP买入预备
Jul 7, 2026
BUY ZONE → UPTREND买入区 → 上涨趋势
HOLD持有
Jul 6, 2026
UPTREND → BUY ZONE上涨趋势 → 买入区
BUY买入

Showing last 15 of显示最近15条，共 234 signals条信号

Factor Profile因子特征

Composite factor score综合因子得分: 0.23
Value价值
+0.6
Quality质量
-0.7
Investment资本投入
+0.4
Shareholder payout股东回报
-0.1
Low volatility低波动
+0.9
Low market beta低市场敏感度
+0.2
Earnings quality盈利质量
-0.8
Short interest空头兴趣
+0.5

Company Profile公司档案

United Community is an American bank. United is one of the largest full-service financial institutions in the Southeast, with $28.2 billion in assets and 200 offices in Alabama, Florida, Georgia, North Carolina, South Carolina and Tennessee.UnitedCommunity是一家美国银行。作为东南部最大的全方位服务金融机构之一，其资产达282亿美元，在阿拉巴马州、佛罗里达州、乔治亚州、北卡罗来纳州、南卡罗来纳州和田纳西州设有200家分行。
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