United Community Banks, Inc.

Stage 3 · Topping · week 4

As of Oct 22, 2026, United Community Banks is in Stage 3, the topping phase, now in week 4 (since Sep 29, 2026). It closed at $37.23, at its 52-week high and above its 200-day average, which is rising.

United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. More about the company

$37.23

+3.85% today

$4.5B · Mid cap

Market Neutral — Fading

Pro read

Pro

Our read

Topping: the uptrend is tiring

Setup score

—

Momentum

Steady

Edge

—

Is UCB early, or has it already run? Pro answers that for every US stock we cover, after every close.

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Stage Cycle Timeline2023-08-16 → 2026-10-22

S2 16w

S2 13w

S2 19w

2023-08-162026-10-22

S1S2S3S4Setup score (0–10, dashed line at 5)

S1 6w → S4 10w → S1 3w → S2 9w → S3 5w → S4 6w → S1 8w → S2 13w → S3 3w → S2 16w → S3 6w → S4 8w → S1 7w → S2 13w → S3 7w → S2 12w → S3 9w → S2 19w → S3 3w current

Total tracked: 165 weeks across 19 stage runs.

UCB among Banks - Regional182nd of 319 by relative strength

All 319 →

Stocks in Banks - Regional ranked by relative strength, with stage and one-month change
#	Stock	Stage	RS	1M
1	OPHCOptimumBank Holdings, Inc.	Stage 2 · wk 38	96	−1.0%
2	MSBIMidland States Bancorp, Inc.	Stage 2 · wk 43	95	+1.8%
3	CMTVCommunity Bancorp.	Stage 2 · wk 72	94	+11.5%
4	VBNKVersaBank	Stage 2 · wk 25	94	−0.9%
5	AMALAmalgamated Financial Corp.	Stage 3 · wk 2	94	+8.1%
6	BOTJBank of the James Financial Group, Inc.	Stage 2 · wk 58	93	+9.0%
7	ATLOAmes National Corporation	Stage 2 · wk 68	92	+9.5%
8	RBKBRhinebeck Bancorp, Inc.	Stage 2 · wk 38	92	+0.9%
…182	UCBUnited Community Banks, Inc.	Stage 3 · wk 4	74	+11.1%

vs 52W High

0.0%

$28.07 lo$37.23 hi

Near 52W high, distribution zone

The stock is rolling over from its 52-week high. In Stage 3 distribution, new long positions carry high risk.

Stage Maturity

Week 4

1w13w26w

Week 4, early distribution

How long this stock has been in Stage 3 distribution. Longer tops often precede deeper Stage 4 declines.

vs 200 DMA

11.0%

200 DMA: $33.55 · rising

Stock is losing its 200 DMA. Once lost, it confirms Stage 4 risk. This is a major red flag for existing holders.

Rel Volume

2.03x

vs 50-day avg

Volume spikes on down days during Stage 3 signal distribution, with institutions exiting. Stage analysis reads that as a warning against new long positions.

Trend Health

→

Short-term trend flat

Two reads of momentum. The arrow shows the direction of the short-term trend: rising (↑ or ↗), flat (→) or rolling over (↓). The ⇈ mark appears when our trend model reads the move as gaining speed on top of the longer trend. Strongest when both agree.

+11.1%

+6.4%

+12.2%

YTD

+21.1%

+27.0%

Scan Membership

Breakout Watch

Latest: 2024-11-07

8 appearances in last 60 days. First seen: 2019-04-25.

A stock that keeps qualifying week after week does so because its Stage 2 structure keeps holding. Staying power in the scan says more about the trend than any single appearance.

Recent Stage Timeline

2026-10-22S3

Wk 4 · Vol 2.03x

2026-10-21S3

Wk 4 · Vol 1.84x

2026-10-20S3

Wk 4 · Vol 1.94x

2026-10-19S3

Wk 3 · Vol 0.93x

2026-10-16S3

Wk 3 · Vol 1.09x

2026-10-15S3

Wk 3 · Vol 1.37x

2026-10-14S3

Wk 3 · Vol 1.47x

2026-10-13S3

Wk 3 · Vol 1.31x

2026-10-12S3

Wk 2 · Vol 0.97x

2026-10-09S3

Wk 2 · Vol 0.76x

2026-10-08S3

Wk 2 · Vol 1.29x

2026-10-07S3

Wk 2 · Vol 1.21x

Moving averages & range

50 DMA

$34.64

200 DMA

$33.55

52W High

$37.23

52W Low

$28.07

5D Low

$33.78

Resistance levels (recent highs)

20d High

$37.23

60d High

$37.23

120d High

$37.23

250d High

$37.23

Next resistance

Above all

P/E (TTM)

12.2

Forward 10.8

ROE

+4.1%

Profit margin +17.9%

Dividend Yield

2.90%

P/B 1.3

United Community Banks: quick answers

What stage is United Community Banks in?

As of Oct 22, 2026, United Community Banks (UCB) is in Stage 3, the topping phase. It entered Stage 3 on Sep 29, 2026 and is in week 4. What the four stages mean

Is United Community Banks in an uptrend?

Its uptrend has stalled. United Community Banks is in Stage 3, the topping phase that follows an advance. It trades 11.0% above its 200-day average, which is rising.

How far is United Community Banks from its 52-week high?

United Community Banks closed at $37.23 on Oct 22, 2026, at its 52-week high. Its 52-week low is $28.07.

How has United Community Banks performed over the past year?

As of Oct 22, 2026, United Community Banks is up 27.0% over the past year and up 21.1% so far in 2026.

Which sector and industry is United Community Banks in?

United Community Banks is in the Banks - Regional industry, part of the Financials sector.

About this companyFinancials· Banks - Regional

United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts. It also provides loans comprising owner occupied and income producing CRE, commercial and industrial, equipment financing, residential mortgage, home equity, manufactured housing, and consumer loans, as well as commercial and residential construction and land. In addition, the company offers private banking, investment management, investment advice, financial planning services, estate and retirement planning, and insurance products; non-deposit investment products and insurance products, such as life insurance, long-term care insurance and tax-deferred annuities; and trust services to manage fiduciary assets. Further, it provides reinsurance on property insurance contracts and payment processing services for commercial and small business customers. The company serves the commercial, retail, government, education, energy, health care, and real estate sectors. United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina.

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All analytics based on EOD data. Data as of 2026-10-22. Past data patterns are not indicative of future results. This page is a data analytics tool only.