UCB Stock — United Community Banks, Inc.

United Community Banks, Inc. (UCB)

Updated October 16, 2026.

UCB is a Stock. its distribution rate is 3.05%, its trailing-12-month yield is 2.96%. Dividend Vision Distribution Safety Score™ is 99/100 (Safe). Total return is 37.2% over the past 25.3 years, 858.4 points behind SPY at 895.6%.

United Community Banks, Inc. is a bank holding company that provides deposit products, loans across multiple categories including commercial real estate and residential mortgages, private banking and investment management services, trust services, and payment processing to customers across the United States. The company offers a modest current distribution rate and distributes quarterly to shareholders. As a regional bank operator, it may appeal to income investors seeking exposure to the financial services sector.

UCB performance versus SPY

Price and return data through 2026-10-16.

Total return is 37.2% over the past 25.3 years, 858.4 points behind SPY at 895.6%. Over the past year its total return — price change plus distributions reinvested — is 19.2%. Its deepest 1-year drawdown was 17.9%.

UCB key facts

Distribution Safety Score™

99 · Safe

Safety-Adjusted Yield

3.02%

Asset type

Stock

Asset class

Equity

Inception date

07/16/2001

Distribution rate

3.05%

Distribution frequency

Quarterly

Trailing yield

2.96%

5-year average yield

2.91

Last close

$34.09 (as of 2026-10-16)

Market cap

$4,082,748,862

Average volume

911919.0

Dividend

$0.26

Ex-dividend date

09/15/2026

Payment date

10/05/2026

Beta

0.896

Payout ratio

35.3%

P/E ratio

11.14

Forward P/E

12.5313

EPS

$3.06

How Dividend Vision calculates yield and returns

Distribution rate (3.05%) uses calculation basis unavailable. Issuer rates can use a different denominator and date, including ex-date NAV. Trailing-12-month yield (2.96%) is the sum of split-adjusted cash distributions with ex-dates in the last 12 months, divided by the published price. It lags a recent raise or cut. Total return uses split-adjusted close with distributions reinvested on the ex-dividend date (a modeling convention, not the cash-settlement date) from the first stored bar on or after inception through the latest bar, compared with the same window on the benchmark. That is the security's total return, not your personal gain/loss.

Yield and safety methodology · Distribution rate methodology · Distribution Safety Score methodology

Sources and review

Primary sources: prices and distributions from Dividend Vision, derived from vendor EOD data.

Reviewed by Bert Sweet, CEO and Co-owner of Dividend Vision. Methodology: Distribution Safety Score.

UCB risks and drawbacks

UCB's current distribution rate is moderate, not a high-yield payout — the strategy is dividend quality more than maximum income. Payments are quarterly, so cash flow is lumpy versus a monthly fund. Total return has trailed SPY over the available window. The deepest 1-year drawdown on record here is 17.9%.

Who may consider UCB — and who may not

UCB may suit someone looking for a high Distribution Safety Score, moderate current income with a quality tilt. It is a weaker fit for investors who need monthly cash flow (UCB pays quarterly); investors hunting double-digit covered-call yields; investors whose main goal is matching SPY total return. This is educational context, not a recommendation to buy or sell.

More on UCB

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Tagged: Financials, Dividend.

Frequently asked questions