Is United Community Banks, Inc. overvalued or undervalued?

As of 21 November 2025, the valuation grade for United Community Banks, Inc. has moved from attractive to very attractive. The company appears to be undervalued based on its current metrics, with a P/E ratio of 13, a Price to Book Value of 1.02, and a PEG ratio of 0.45, indicating strong growth potential relative to its price. In comparison to peers, Western Alliance Bancorp has a P/E of 11.90, and Wintrust Financial Corp. has a P/E of 12.91, suggesting that United Community Banks, Inc. is trading at a discount relative to these competitors.
Despite a challenging year-to-date return of -6.10% compared to the S&P 500's 12.26%, the company's strong valuation ratios and recent grade change reinforce its attractiveness as an investment opportunity.