United Community Banks, Inc (UCB)

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The chart shows the growth of an initial investment of $10,000 in United Community Banks, Inc, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.

United Community Banks, Inc (UCB) has returned 1.71% so far this year and 15.59% over the past 12 months. Over the last ten years, UCB has returned 8.31% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.

Based on dividend-adjusted daily data since Mar 18, 2002, UCB's average daily return is +0.03%, while the average monthly return is +0.63%. At this rate, your investment would double in approximately 9.2 years.

Historically, 53% of months were positive and 47% were negative. The best month was Mar 2011 with a return of +70.1%, while the worst month was Jan 2009 at -62.1%. The longest winning streak lasted 7 consecutive months, and the longest losing streak was 7 months.

On a daily basis, UCB closed higher 50% of trading days. The best single day was Mar 17, 2011 with a return of +29.4%, while the worst single day was Mar 5, 2009 at -22.0%.

United Community Banks, Inc has an annualized alpha of -3.61%, beta of 1.33, and R² of 0.31 versus S&P 500 Index. Calculated based on daily prices since March 19, 2002.

• This stock participated in 98.92% of S&P 500 Index downside but only 56.68% of its upside — more exposed to losses than it benefited from rallies.
• R² of 0.31 means the benchmark explains less than half of this stock's behavior — treat beta with caution or consider switching to a more representative benchmark.

UCB ranks 58 for risk / return — on par with similar stocks. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.

The table below present risk-adjusted performance metrics for United Community Banks, Inc (UCB) and compare them to a chosen benchmark (S&P 500 Index).

United Community Banks, Inc provided a 3.14% dividend yield over the last twelve months, with an annual payout of $0.99 per share. The company has been increasing its dividends for 11 consecutive years.

The table displays the monthly dividend distributions for United Community Banks, Inc. The dividends shown in the table have been adjusted to account for any splits that may have occurred.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the United Community Banks, Inc. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the United Community Banks, Inc was 95.97%, occurring on Nov 15, 2010. The portfolio has not yet recovered.

The current United Community Banks, Inc drawdown is 73.02%.

The chart below shows the rolling one-month volatility.

The chart below illustrates the trends in the financial health of United Community Banks, Inc over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

The Valuation section provides an overview of how United Community Banks, Inc is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.