What is United Community Banks Inc worth?
With the base-case assumptions below, a discounted cash flow model on United Community Banks Inc's reported free cash flow gives $89.98 per share. The share price was $34.23 on September 25, 2026, 62% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | 8.0% | 10.0% | $56.20 | +64% |
| Base | 13.0% | 9.0% | $89.98 | +163% |
| Bull | 18.0% | 8.0% | $152.92 | +347% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $115.29 | $123.15 | $132.75 | $144.76 | $160.20 |
| 8.0% | $96.30 | $101.40 | $107.42 | $114.65 | $123.48 |
| 9.0% | $82.47 | $85.96 | $89.98 | $94.67 | $100.21 |
| 10.0% | $71.98 | $74.46 | $77.27 | $80.48 | $84.18 |
| 11.0% | $63.76 | $65.58 | $67.61 | $69.89 | $72.48 |
Where the presets come from
Base: years 1 to 5 grow at United Community Banks Inc's revenue growth rate over the last 5 fiscal years (13.0% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions