Structured JSON API for this factor page: https://sharemaestro.com/factors/api/tickers/6d012e3c-d180-4f06-a39a-a711c8f5b108/

UCB

United Community Banks, Inc.
Chart
35.25 USD
Latest Week 2026-07-24
Financial ServicesBanks - RegionalMID
Snapshot 2026-07-26 · 0.4w · Fresh
0.94
OS Score
88.0%
Value
81.0%
Quality
67.0%
Momentum
8/9
F-Score
0.844
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
10 of 23 passing
★
OS Composite
OS 0.940
↗
Trending Value
✗
◆
Quality × Value
QV 0.844
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 11.2
◇
VC2 Cheapest
✗
📐
EBITDA/EV
11.6%
◐
Veiled Value
✗
▣
Piotroski Bargains
F8
🔬
Quality Compounders
✗
📈
Consistent Earners
Yes
🌱
GARP
✗
🔄
Shareholder Yield
6.1%
💰
High Yield
✗
🚀
Momentum Leaders
12-1 16%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
Vol 23%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.81
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
88.0%ile
P/E
11.2×
P/S
2.7×
P/B
1.1×
E/P
0.1067
FCF Yield
0.103
EBITDA/EV
0.116
SH Yield
0.061
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
17.00000000
/100 — 1=cheapest
VC2 (Trending Value)
14.00000000
/100
VC3 (Buyback)
15.00000000
/100
P/E of 11.2x places this firmly in deep value territory. FCF yield of 10.3% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
81.0%ile
ROE
0.101
ROA
0.013
Net Margin
0.243
Op Margin
0.307
GPA
0.039
D/E
6.76
Current
11.77
F-Score
8/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.056
Earn Growth
0.383
Stability
0.237
lower=better
Accruals
-0.002
lower=better
5yr Consist
Yes
Highly leveraged with D/E of 6.76 — returns are being amplified by debt. F-Score of 8/9 indicates strong fundamental improvement across multiple dimensions.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
67.0%ile
6M Return
5.7%
12M Return
15.3%
12-1 Mom
16.5%
Risk-Adj
0.72
Vol 252d
22.9%
Vol 60d
53.4%
↑ Expanding
Max DD 12M
-17.3%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
Near-term vol (53%) is expanding vs long-term (23%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.94
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
72.3%
Sector Quality %ile
69.5%
P/E z-score
-0.21
P/B z-score
-0.06
Sector Avg OS
85.1%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
RILYL BRC Group Holdings, Inc. 99.0% 95.0% 88.0% 95.0%
UVE Universal Insurance Holdings Inc 99.0% 97.0% 92.0% 92.0%
IFS Intercorp Financial Services Inc 99.0% 98.0% 83.0% 90.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 88.0% 90.0%
BAP Credicorp Ltd 99.0% 97.0% 96.0% 90.0%
HG Hamilton Insurance Group, Ltd. 98.0% 96.0% 81.0% 91.0%
BBDO Banco Bradesco S/A ADR 98.0% 97.0% 92.0% 79.0%
RNR Renaissancere Holdings Ltd 98.0% 96.0% 96.0% 77.0%
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (88th) and quality (81th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Piotroski + Value Convergence
F-Score 8/9 with good value (88th). Strong fundamental improvement in a cheap stock.
Strong Capital Return
Shareholder yield 6.1% backed by 10.3% FCF yield. Returns are well-funded.
Volatility Expanding
60-day vol (53%) significantly exceeds 252-day (23%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
A
79.6% avg (7 factors)
Quality
C
50.2% avg (8 factors)
Momentum
C
48.4% avg (4 factors)
Risk
A
78.4% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends8 snapshots
Factor Persistence8 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.940—8—
Value %ile0.880—8—
Quality %ile0.810—8—
Momentum %ile0.670—0—
F-Score8.000—8—
Confidence1.000—8—
Volatility0.229—0—
Value Lens2021-07-27 → 2026-07-26
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
11.17
Earnings Yield (E/P)
0.1067
Price / Sales
2.71
Price / Book
1.13
Price / Cash Flow
9.70
FCF Yield
10.3%
EBITDA / EV
11.6%
Sales Yield (1/P·S)
0.3476
Shareholder Yield
Div + net buyback / mktcap
6.1%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
10.1%
Return on Assets
1.3%
Net Margin
24.3%
Operating Margin
30.7%
Gross Profit / Assets
Novy-Marx GPA
3.9%
Debt / Equity
6.76
Current Ratio
11.77
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.002
MomentumPrice trend strength over different horizons
6M Return
5.7%
12M Return
15.3%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
16.5%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.72
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
5.6%
Earnings Growth (YoY)
38.3%
Earnings Stability (CV)
Lower = more stable
0.237
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
8
Dividend Yield
2.8%
Buyback Yield
3.2%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
17
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
14
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
15
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity