What if you'd held UCB?
A $1,000 investment in United Community Banks, Inc. (UCB) at the month-end close of 2002-03 would be worth $561 at the close of 2026-08 — -43.9% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $6,718.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included.
Every year, $1,000 from 2002
| Year | Value of $1,000 | Year return |
|---|---|---|
| 2002 | $1,000 | — |
| 2003 | $1,364 | +36.4% |
| 2004 | $1,693 | +24.1% |
| 2005 | $1,694 | +0.1% |
| 2006 | $2,076 | +22.5% |
| 2007 | $1,030 | -50.4% |
| 2008 | $912 | -11.4% |
| 2009 | $231 | -74.7% |
| 2010 | $133 | -42.5% |
| 2011 | $95.34 | -28.3% |
| 2012 | $129 | +35.1% |
| 2013 | $242 | +87.9% |
| 2014 | $260 | +7.4% |
| 2015 | $271 | +4.1% |
| 2016 | $417 | +54.2% |
| 2017 | $402 | -3.7% |
| 2018 | $313 | -22.2% |
| 2019 | $461 | +47.4% |
| 2020 | $440 | -4.4% |
| 2021 | $570 | +29.4% |
| 2022 | $550 | -3.5% |
| 2023 | $492 | -10.4% |
| 2024 | $563 | +14.2% |
| 2025 | $561 | -0.2% |
| 2026 | $653 | +16.3% |
Best and worst month-end to buy
The best single month-end close to have bought UCB was 2012-07 ($5.08): $1,000 then is $7,037 today. The worst was 2006-11 ($117): $1,000 then is $306.
FAQ
What would $1,000 in UCB be worth today?
A $1,000 investment in United Community Banks, Inc. (UCB) at the start of 2002 would be worth about $561 today, a total return of -43.9%. Dividends are reinvested in these figures.
What were the best and worst years for UCB?
United Community Banks, Inc. (UCB)'s strongest calendar year since 2002 was 2013, a +87.9% return — $1,000 held through that year became about $1,879 by year-end. Its weakest year was 2009, at -74.7%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in UCB have grown?
Investing $100 at the end of every month since 2002-03 would have grown to about $54,102 on $29,400 invested.
Did UCB beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $6,718. UCB trailed the S&P 500 by +91.6% in total return.
Is this investment advice?
No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
United Community Banks, Inc. (UCB) historical total-return data from 2002-03 to 2026-08, reduced to month-end closes for the tables above.
Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (Yahoo Finance): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.