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UNITED COMMUNITY BANKS, INC. (UCB) Scorecard

2.8 / 5 stars · 68/120 Roast Me

UNITED COMMUNITY BANKS, INC. (UCB) Scorecard

  • 2026-Q2: Total return Lose; Revenue growth Lose; EPS growth Lose.
  • 2026-Q1: Total return Win; Revenue growth Win; EPS growth Win.
  • 2025-Q4: Total return Lose; Revenue growth Win; EPS growth Win.
  • 2025-Q3: Total return Lose; Revenue growth Win; EPS growth Win.
66/120 All 120 Win/Lose results shown below

Every strict quarterly win earns 1 point. A loss, tie, or unavailable scoring value earns 0.

Trailing 1 year (4 quarters): 7 wins, 5 lossesLast fetched: 4 Sept 2026

Complete point ledger

Each cell identifies the missing side explicitly.

QuarterTotal returnRevenue growthEPS growth
2026-Q20/3 LoseUCB / S&P
12.24% / 15.20%
LoseUCB / S&P
13.83% / 15.00%
LoseUCB / S&P
38.64% / 50.40%
2026-Q13/3 WinUCB / S&P
1.71% / -4.33%
WinUCB / S&P
13.62% / 11.30%
WinUCB / S&P
29.38% / 27.70%
2025-Q42/3 LoseUCB / S&P
0.36% / 2.65%
WinUCB / S&P
11.66% / 9.00%
WinUCB / S&P
28.43% / 13.40%
2025-Q32/3 LoseUCB / S&P
6.05% / 8.12%
WinUCB / S&P
8.28% / 4.61%
WinUCB / S&P
64.71% / 13.45%
2025-Q21/3 LoseUCB / S&P
6.78% / 10.94%
LoseUCB / S&P
3.46% / 4.83%
WinUCB / S&P
42.86% / 10.63%
2025-Q12/3 LoseUCB / S&P
-12.18% / -4.27%
WinUCB / S&P
5.37% / 4.98%
WinUCB / S&P
37.91% / 10.57%
2024-Q43/3 WinUCB / S&P
11.92% / 2.41%
WinUCB / S&P
6.59% / 5.25%
WinUCB / S&P
32.47% / 6.15%
2024-Q32/3 WinUCB / S&P
15.17% / 5.89%
WinUCB / S&P
11.02% / 5.89%
LoseUCB / S&P
-29.82% / 6.11%
2024-Q21/3 LoseUCB / S&P
-2.36% / 4.28%
WinUCB / S&P
8.00% / 5.38%
LoseUCB / S&P
-39.13% / 5.12%
2024-Q10/3 LoseUCB / S&P
-9.24% / 10.56%
LoseUCB / S&P
5.28% / 5.71%
LoseUCB / S&P
-41.38% / 5.59%
2023-Q42/3 WinUCB / S&P
16.06% / 11.69%
WinUCB / S&P
8.12% / 6.81%
LoseUCB / S&P
-38.89% / 7.78%
2023-Q32/3 WinUCB / S&P
2.61% / -3.27%
WinUCB / S&P
10.71% / 7.52%
LoseUCB / S&P
-6.44% / -5.03%
2023-Q22/3 LoseUCB / S&P
-10.36% / 8.74%
WinUCB / S&P
15.86% / 9.50%
WinUCB / S&P
4.98% / -8.57%
2023-Q12/3 LoseUCB / S&P
-16.10% / 7.50%
WinUCB / S&P
17.87% / 10.77%
WinUCB / S&P
1.16% / -15.69%
2022-Q41/3 LoseUCB / S&P
2.77% / 7.56%
LoseUCB / S&P
10.98% / 11.88%
WinUCB / S&P
-15.15% / -17.99%
2022-Q31/3 WinUCB / S&P
10.37% / -4.88%
LoseUCB / S&P
3.35% / 13.47%
LoseUCB / S&P
-24.35% / -1.41%
2022-Q21/3 WinUCB / S&P
-12.61% / -16.10%
LoseUCB / S&P
5.30% / 13.71%
LoseUCB / S&P
-13.31% / 11.04%
2022-Q11/3 WinUCB / S&P
-2.63% / -4.60%
LoseUCB / S&P
14.09% / 15.97%
LoseUCB / S&P
11.21% / 42.23%
2021-Q41/3 LoseUCB / S&P
10.16% / 11.03%
WinUCB / S&P
28.92% / 15.00%
LoseUCB / S&P
56.32% / 96.40%
2021-Q32/3 WinUCB / S&P
3.24% / 0.58%
WinUCB / S&P
40.23% / 10.77%
LoseUCB / S&P
66.49% / 69.42%
2021-Q21/3 LoseUCB / S&P
-5.65% / 8.55%
WinUCB / S&P
35.92% / 6.58%
LoseUCB / S&P
44.04% / 51.81%
2021-Q13/3 WinUCB / S&P
20.61% / 6.17%
WinUCB / S&P
17.16% / -1.06%
WinUCB / S&P
7.41% / 7.39%
2020-Q43/3 WinUCB / S&P
69.11% / 12.15%
WinUCB / S&P
32.41% / -3.72%
WinUCB / S&P
-17.75% / -33.42%
2020-Q32/3 LoseUCB / S&P
-14.98% / 8.93%
WinUCB / S&P
77.81% / -2.04%
WinUCB / S&P
-18.14% / -27.10%
2020-Q22/3 LoseUCB / S&P
10.93% / 20.54%
WinUCB / S&P
217.75% / -0.46%
WinUCB / S&P
-12.27% / -27.11%
2020-Q12/3 LoseUCB / S&P
-40.09% / -19.60%
WinUCB / S&P
250.81% / 3.47%
WinUCB / S&P
0.93% / -14.75%
2019-Q43/3 WinUCB / S&P
9.55% / 9.07%
WinUCB / S&P
177.39% / 5.36%
WinUCB / S&P
12.14% / 2.99%
2019-Q32/3 LoseUCB / S&P
-0.13% / 1.70%
WinUCB / S&P
92.54% / 5.02%
WinUCB / S&P
71.21% / 0.21%
2019-Q22/3 WinUCB / S&P
15.28% / 4.30%
LoseUCB / S&P
6.33% / 6.64%
WinUCB / S&P
89.66% / 8.65%
2019-Q13/3 WinUCB / S&P
16.88% / 13.65%
WinUCB / S&P
17.02% / 8.12%
WinUCB / S&P
101.89% / 14.29%
2018-Q41/3 LoseUCB / S&P
-22.53% / -13.52%
LoseUCB / S&P
-31.60% / 9.05%
WinUCB / S&P
123.91% / 18.23%
2018-Q30/3 LoseUCB / S&P
-8.59% / 7.71%
LoseUCB / S&P
-548.98% / 10.21%
LoseUCB / S&P
-10.81% / 19.06%
2018-Q21/3 LoseUCB / S&P
-2.66% / 3.43%
WinUCB / S&P
149.49% / 9.03%
LoseUCB / S&P
-20.55% / 14.46%
2018-Q12/3 WinUCB / S&P
12.88% / -0.76%
WinUCB / S&P
151.86% / 7.68%
LoseUCB / S&P
-25.35% / 12.46%
2017-Q41/3 LoseUCB / S&P
-1.05% / 6.64%
WinUCB / S&P
445.80% / 7.03%
LoseUCB / S&P
-34.29% / 13.82%
2017-Q30/3 LoseUCB / S&P
3.06% / 4.48%
LoseUCB / S&P
-108.89% / 5.68%
LoseUCB / S&P
16.54% / 17.57%
2017-Q21/3 LoseUCB / S&P
0.72% / 3.09%
LoseUCB / S&P
-83.12% / 4.83%
WinUCB / S&P
23.73% / 17.74%
2017-Q11/3 LoseUCB / S&P
-6.22% / 6.07%
LoseUCB / S&P
-84.76% / 3.67%
WinUCB / S&P
27.93% / 13.32%
2016-Q42/3 WinUCB / S&P
41.30% / 3.82%
LoseUCB / S&P
-87.09% / 2.09%
WinUCB / S&P
28.44% / 7.05%
2016-Q33/3 WinUCB / S&P
15.37% / 3.85%
WinUCB / S&P
29.89% / 0.20%
WinUCB / S&P
11.40% / -3.15%

Dividend-reinvested, split-adjusted total return

1Y · 2025-08-29 to 2026-08-27

MetricUCB total returnS&P 500 Total Return Index
Total return8.81%20.78%
Annualized return8.81%20.78%

5Y · 2021-09-01 to 2026-08-27

MetricUCB total returnS&P 500 Total Return Index
Total return36.80%83.14%
Annualized return6.47%12.86%

10Y · 2016-09-01 to 2026-08-27

MetricUCB total returnS&P 500 Total Return Index
Total return120.82%319.30%
Annualized return8.24%15.41%

Calculation rules

window
Latest 40 completed benchmark quarters; unavailable issuer evidence remains visible and scores 0.
return Basis
Issuer adjusted close reinvests distributions and normalizes splits; the S&P 500 Total Return Index is the direct benchmark.
point Rule
Strict same-quarter win = 1. Loss, tie or unavailable evidence = 0. No partial or subjective points.
frequency
Quarter endpoints only.
fundamentals
Trailing-four-quarter issuer revenue and EPS growth use the issuer's normalized government-filed facts.
non Scoring

Snapshot captured 2026-09-04.

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