United Community Banks Inc Dossier
Valuation
How Intrinsic Value compares with model outputs
Intrinsic Value $35.29median of 2 methodsbased on filings through 30 Jun 2026
Market Price $33.35Price as of 30 Sep 2026
Valuation methods vs. Market Price
$0$20$40$60$80$100
DCF
$76.26
DNI
$79.78
P/S
$35.20
P/E
$41.84◇ $49.56
P/B
$28.74◇ $30.59
PEG
$43.07
$0$20$40$60$80$100
Market Price ($33.35) Intrinsic Value ($35.29) peer-implied value
Company vs. peer median Members
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Assumptions
| Parameter | Value |
|---|---|
| Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 5.1% (near-term consensus, capped) · years 2–5: 10.3%/yr (balance of the path). | 9.2% per year |
Years 6–10: glide to demonstrated growthPer-year ratesYr 68.9%Yr 77.5%Yr 86.2%Yr 94.8%Yr 103.4% | 10.3% → 3.4% |
Years 11–20: glide to long-run ratePer-year ratesYr 113.4%Yr 123.3%Yr 133.3%Yr 143.3%Yr 153.2%Yr 163.2%Yr 173.1%Yr 183.1%Yr 193.0%Yr 203.0% | 3.4% → 3.0% |
| Beyond year 20: terminal growthPerpetual long-run rate | 3.0% |
| Historical EPS growth (multi-year median)median of 3 windows (5/6/7y) | 3.4% |
| Discount rate (cost of equity) | 8.9% |
| Volatility vs market (adjusted beta) | 0.88 |
Valuation Detail Members
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Assumptions Sandbox Members
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Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.