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, suggesting a shift in perception regarding its investment potential. The company appears to be fairly valued at this time. Key valuation ratios include a P/E ratio of 13, a Price to Book Value of 1.02, and a PEG Ratio of 0.45, indicating that the stock is reasonably priced relative to its earnings growth potential.
In comparison to its peers, Western Alliance Bancorp has a P/E ratio of 11.90, while Wintrust Financial Corp. stands at 12.91, both suggesting that United Community Banks, Inc. is competitively priced within the regional banking sector. Notably, the company's stock has underperformed against the S&P 500 over the longer term, with a 3-year return of -21.74% compared to the index's 76.76%, although it has shown a positive return of 18.28% over the last 5 years.