Profitability
Weight: 25%
B
72
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 55.7%
- Efficiency Ratio Trend -0.35 pp/yr
UCB
United Community Banks, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
D
35
- 5yr Avg ROE 8.9%
- 5yr Share-Count CAGR 7.9%
Growth Quality
Weight: 15%
A-
86
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 17.2%
- Efficiency Ratio Trend (growth quality check) -0.35 pp/yr
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 15%
B-
67
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.04
Balance Sheet
Weight: 20%
A
89
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 13.0%
Stability
Weight: 10%
B+
75
- EPS Volatility (σ/μ) 0.33
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 8
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 3 gurus held; 1 added; 1 trimmed; 1 full exit.
- Holders
- 2 -1
- Avg Δ position
- +90.2%
- New buys
- 0
- Full exits
- 1