United Community Banks, Inc.
UCBFinancial Services · Stock · quarterly payer
Forward Yield
2.94%
Annual Dividend
$1.04
Payout Ratio
33%
5-Yr Growth
6.4%
Ex-Date
Sep 15, 2026
Frequency
Quarterly
Summary
As of September 2026, United Community Banks, Inc. (UCB) yields 2.94% ($1.04 per share annually), with a blended fair-value estimate of $51.44 — +46% upside, so it screens as undervalued. Dividend safety grade: A (81/100). 11 years of dividend growth.
Is UCB a good dividend stock?
YesUnited Community Banks, Inc. (UCB) pays a quarterly dividend yielding 2.94% ($1.04/yr), with 11 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- 11 consecutive years of dividend growth
- Comfortable payout ratio (33%)
- Strong 6.4% 5-yr dividend growth
- Top-tier dividend safety score
Risks
- Cut its dividend in 2014
Key Data
- Dividend Yield
- 2.94%
- Payout Ratio
- 33%
- Annual Dividend
- $1.04
- 5-Yr Avg Growth
- 6.4%
- Ex-Dividend Date
- Sep 15, 2026
- Years of Growth
- 11
- Frequency
- quarterly
- Beta
- 0.83
- Market Cap
- $4.2B
- P/E Ratio
- 11.5
- 5-Yr Total Return
- 8%
- 52-Week Range
- $28.65 – $37.18
- Dividend Safety
- A · 81/100
- Ever Cut?
- Yes (2014)
Frequently Asked Questions
UCB Price — Last 12 Months
Daily close
Price Return
1 Year
+13%
3 Years
+39%
5 Years
+8%
52-Week Range
$28.65 – $37.18
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is UCB worth?
Undervaluedmedium confidenceOur blended fair-value estimate for United Community Banks, Inc. is $51.44 per share, versus a market price of $35.29. That implies 46% of upside — a margin of safety of about 31%.
Fair Value
$51.44
Current Price
$35.29
Upside
+46%
Margin of Safety
31%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about 0.4% annual free-cash-flow growth. We model 9.6% — below our estimate, leaving room for upside if the business executes.
Assumptions: 8.4% discount rate (CAPM), 9.6% stage-1 growth, 2.5% terminal growth, $3.06 EPS, $1.04 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
UCB Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Sep 15, 2026 | — | $0.2600 | regular |
| Jun 15, 2026 | — | $0.2500 | regular |
| Mar 13, 2026 | — | $0.2500 | regular |
| Dec 15, 2025 | — | $0.2500 | regular |
| Sep 15, 2025 | — | $0.2500 | regular |
| Jun 13, 2025 | — | $0.2400 | regular |
| Mar 14, 2025 | — | $0.2400 | regular |
| Dec 16, 2024 | — | $0.2400 | regular |
| Sep 16, 2024 | — | $0.2400 | regular |
| Jun 14, 2024 | — | $0.2300 | regular |
| Mar 14, 2024 | — | $0.2300 | regular |
| Dec 14, 2023 | — | $0.2300 | regular |
| Sep 14, 2023 | — | $0.2300 | regular |
| Jun 14, 2023 | — | $0.2300 | regular |
Income Calculator
At $1.04 / yr per share
