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 $92.51 per share. The share price was $37.45 on November 10, 2026, 60% 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% | $58.73 | +57% |
| Base | 13.0% | 9.0% | $92.51 | +147% |
| Bull | 18.0% | 8.0% | $155.45 | +315% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $117.82 | $125.68 | $135.29 | $147.29 | $162.73 |
| 8.0% | $98.83 | $103.93 | $109.95 | $117.18 | $126.01 |
| 9.0% | $85.01 | $88.49 | $92.51 | $97.20 | $102.75 |
| 10.0% | $74.51 | $76.99 | $79.80 | $83.01 | $86.71 |
| 11.0% | $66.29 | $68.11 | $70.14 | $72.42 | $75.01 |
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