Is United Community Banks, Inc. overvalued or undervalued?

As of 21 November 2025, the valuation grade for United Community Banks, Inc. moved from attractive to very attractive. The company appears undervalued based on its valuation ratios, including a P/E ratio of 13, a Price to Book Value of 1.02, and a PEG Ratio of 0.45. In comparison to peers, Western Alliance Bancorp has a P/E of 11.90, while Wintrust Financial Corp. has a P/E of 12.91, suggesting that United Community Banks, Inc. is positioned favorably within its industry.
Despite the recent stock performance showing a YTD return of -5.51% compared to the S&P 500's 12.26%, the company's strong valuation metrics indicate potential for growth. The attractive valuation ratios and peer comparisons reinforce the conclusion that United Community Banks, Inc. is undervalued in the current market.