Is United Community Banks, Inc. overvalued or undervalued?

As of 7 November 2025, the valuation grade for United Community Banks, Inc. has moved from very attractive to attractive. The company appears to be fairly valued based on its current metrics. The P/E ratio stands at 13, which is lower than the peer average of approximately 14.35 for comparable banks, while the PEG ratio of 0.45 indicates strong growth potential relative to its valuation.
In comparison to its peers, Western Alliance Bancorp has a P/E of 11.90 and Wintrust Financial Corp. has a P/E of 12.91, both of which suggest that United Community Banks, Inc. is positioned competitively within the regional banks sector. Despite its recent stock performance showing a decline of 7.24% year-to-date compared to a 14.40% gain in the S&P 500, the company's dividend yield of 3.17% provides some cushion for investors. Overall, the company is fairly valued, reflecting a balanced outlook amidst its competitive landscape.