Tearsheet

United Community Banks (UCB)

Market Price (5/4/2026): $33.525 | Market Cap: $4.1 Bil
Sector: Financials | Industry: Regional Banks

United Community Banks (UCB)

Market Price (5/4/2026): $33.525
Market Cap: $4.1 Bil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 2.9%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.1%, FCF Yield is 8.7%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -78%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 37%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 34%

Low stock price volatility
Vol 12M is 26%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending.

Weak multi-year price returns
2Y Excs Rtn is -4.0%, 3Y Excs Rtn is -27%

Key risks
UCB key risks include [1] potential credit deterioration within its concentrated commercial real estate (CRE) and specialized lending portfolios.

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 2.9%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.1%, FCF Yield is 8.7%
1	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -78%
2	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 37%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 34%
3	Low stock price volatility Vol 12M is 26%
4	Megatrend and thematic drivers Megatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending.
5	Weak multi-year price returns 2Y Excs Rtn is -4.0%, 3Y Excs Rtn is -27%
6	Key risks UCB key risks include [1] potential credit deterioration within its concentrated commercial real estate (CRE) and specialized lending portfolios.

Valuation, Metrics & Events

	5/4/26	2025	2024	2023	2022
Share Price CYE	$33.52	$31.22	$32.31	$29.26	$33.80
Market Cap CYE ($ Bil)	4.1	3.8	3.9	3.5	3.6
Total Debt ($ Bil)	0.1	0.1	0.3	0.3	0.9
Total Cash ($ Bil)	0.4	0.4	0.5	1.0	0.5
Enterprise Value ($ Bil)	3.8	3.9	4.2	3.8	4.5
Valuation Ratios
P/S TTM	3.9	3.6	4.2	4.0	4.2
P/EBIT TTM	-	-	-	-	-
P/E TTM	12.4	11.6	15.4	18.7	13.0
P/FCF TTM	11.4	10.7	12.8	15.8	6.4
Sector Ratios
P/S TTM (Sector)	3.2	3.0	3.0	2.7	2.6
P/EBIT TTM (Sector)	6.8	6.8	8.1	7.3	6.7
P/E TTM (Sector)	11.7	11.0	11.5	9.9	9.0
P/FCF TTM (Sector)	8.9	8.6	9.0	7.7	6.2

	5/4/26	2025	2024
Share Price CYE	$33.52	$31.22	$32.31
Market Cap CYE ($ Bil)	4.1	3.8	3.9
Total Debt ($ Bil)	0.1	0.1	0.3
Total Cash ($ Bil)	0.4	0.4	0.5
Enterprise Value ($ Bil)	3.8	3.9	4.2
Valuation Ratios
P/S TTM	3.9	3.6	4.2
P/EBIT TTM	-	-	-
P/E TTM	12.4	11.6	15.4
P/FCF TTM	11.4	10.7	12.8
Sector Ratios
P/S TTM (Sector)	3.2	3.0	3.0
P/EBIT TTM (Sector)	6.8	6.8	8.1
P/E TTM (Sector)	11.7	11.0	11.5
P/FCF TTM (Sector)	8.9	8.6	9.0

	UCB	S&P 500
REVENUE GROWTH	GOOD
Rev LTM ($ Bil)	1.0
Rev Chg Q	11.3%	8.2%
Rev Chg LTM	11.9%	6.9%
Rev Chg 3Y Avg	6.3%	5.6%
PROFITABILITY	VERY GOOD
Op Inc LTM ($ Bil)	�
CFO LTM ($ Bil)	0.4
Net Inc LTM ($ Bil)	0.3
CFO/Rev LTM	36.9%	20.8%
Net Inc Mgn	31.5%	12.9%
VALUATION	LOW
P/S	3.9	3.3
P/CFO	10.6	15.2
P/FCF	11.4	19.4
P/E	12.4	24.3

AI Analysis | Feedback

Metric	Value	Date	Source
Number of Employees	2979	12312024	Link
Number of Offices	200	6302025	Link
J.D. Power Customer Satisfaction Ranking in the Southeast	Highest in Customer Satisfaction with Consumer Banking	3282024	Link
United Community Bank Foundation Total Donations	763265	12312024	Link
PATH Loans Funded	31836303	12312024	Link
Qualified CRA Donations	682008	12312024	Link
Renewable Energy Projects Financed (since 2017)	213+}^{Source}	12312024	Link

Recent
4/21/2026	Earnings Release	Rev: $276 Mil (A) vs. $273 Mil (E) EPS: 0.70 (A) vs. $0.71 (E)
Upcoming
7/22/2026	Earnings Release	Rev: $280 Mil (E) EPS: $0.73 (E)

Price Chart

Return (1M):

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

United Community Banks (UCB) stock has remained largely at the same level since 1/31/2026 because of the following key factors:

The initial searches provided a wealth of information. I can now start to extract the core reasons for UCB's relatively stable stock movement between 1/31/2026 and 5/1/2026.

Here's a breakdown of the relevant information:

Stock Movement (Confirmation):

UCB's 1-year trading range is $26.88–$36.77.
On May 1, 2026, UCB traded between a low of $33.08 and a high of $33.82.
The stock was around $33.52 on May 1, 2026.
It added about 9.9% since the beginning of the year versus the S&P 500's gain of 3.9%. (This contradicts the "largely at the same level" slightly, but 9.9% over 4 months isn't a massive surge for a stock. I need to consider if this is indeed a stable trend or if the user's perception is slightly off.)
A "1 month" chart shows a 6.56% increase, "Year to date" shows 6.45% increase. This suggests that while it's up, it's not a dramatic increase. The "largely at the same level" is relative to larger market swings.

Let's assume "largely at the same level" means no significant breakouts or breakdowns, but rather a contained trading range with modest gains. The information supports this interpretation, as the price is within its 52-week range and has shown some positive, but not extraordinary, growth year-to-date.

Company-Specific News (Q1 2026 Earnings, Acquisition, Analyst Ratings):

UCB's 1-year trading range is $26.88–$36.77.
On May 1, 2026, UCB traded between a low of $33.08 and a high of $33.82.
The stock was around $33.52 on May 1, 2026.
It added about 9.9% since the beginning of the year versus the S&P 500's gain of 3.9%. (This contradicts the "largely at the same level" slightly, but 9.9% over 4 months isn't a massive surge for a stock. I need to consider if this is indeed a stable trend or if the user's perception is slightly off.)
A "1 month" chart shows a 6.56% increase, "Year to date" shows 6.45% increase. This suggests that while it's up, it's not a dramatic increase. The "largely at the same level" is relative to larger market swings.

Q1 2026 Earnings (Released April 21, 2026):
Adjusted EPS of $0.70, meeting consensus estimates of $0.70.
Revenue of $277.3 million (up 11.6% YoY), slightly exceeding expectations.
Diluted GAAP EPS of $0.69, an increase of $0.11 (19.0%) from Q1 2025.
Net interest margin (NIM) of 3.65%, up 3 basis points from Q4 2025 and 29 basis points from Q1 2025. This marks five consecutive quarters of NIM expansion.
Annualized loan growth of 4.5% for the quarter.
Customer deposits up $237 million from Q4 2025 (4% annualized growth).
Stock experienced a 4.14% drop in pre-market trading after earnings release. (This is a short-term negative reaction despite meeting expectations).
Management plans to repurchase $50 million in shares by year-end.
Acquisition: On April 21, 2026, UCB announced an agreement to acquire Peach State Bancshares for $100.8 million (stock and cash), expected to close in Q3 2026. This acquisition is considered too small to materially shift the investment case.
CFO Retirement: United Community Chief Financial Officer Jefferson Harralson to Retire after nearly a decade of service, announced April 28, 2026.
Dividend: Approved quarterly cash dividend of $0.25 per share, payable April 3, 2026.
Analyst Ratings: Consensus rating of "Moderate Buy" with an average price target of $38.40. Over the previous 90 days, UCB's stock had 2 upgrades and 2 downgrades.

Insider Trading (Exceeding $5 Million):

No insider transactions exceeding $5 million were found within the specified period (Jan 31, 2026 - May 1, 2026).
EVP Richard Bradshaw sold ~$49,965.90 worth of shares on April 27, 2026. This is well below the $5 million threshold.
Other insider transactions mentioned in search results (March 17, March 24, April 29) are also far below the $5 million threshold.
Institutional investor activity shows some large moves, but these are not "insider trading" in the context of the constraint. For example, VAUGHAN NELSON INVESTMENT MANAGEMENT, L.P. added $34,183,182 worth of shares in Q1 2026, while MACQUARIE GROUP LTD removed $68,939,348 in Q4 2025 (which is outside the requested period). I should stick to insider buying/selling by individuals within the company.

Broader Macroeconomic Factors affecting Regional Banks:

Regional Bank Sector Outlook:
U.S. banks were expected to report strong earnings for Q1 2026 due to sustained loan demand and higher interest rates.
Regional banks' earnings growth rate is slowing.
Net interest income is still the primary driver for regional banks, but they are paying more to depositors, making it harder to expand NIM significantly.
Concerns exist about private credit and regional banks' exposure to nonbanks.
The regional banking sector is transitioning, with loan growth, credit quality, and operational efficiency being key for the rest of 2026.
Geopolitical risks (e.g., war in Iran) and inflation picking up have priced out almost any possibility of a rate cut in 2026, causing regional bank stocks to pull back in February.
The banking sector faced a "yield curve twist" and shifting regulatory landscapes in March 2026, leading to a plunge in banking ETFs (KBE and KRE).
Loan and deposit growth expected to remain broadly positive in Q1 2026 for large US banks.
Regional banks started 2026 at a significant discount to the broader market (11x forward earnings).
Regional banks stabilized in 2025 due to slowing deposit outflows, steady loan books, and returning earnings growth.

Synthesis and Filtering:

The stock generally moved within a contained range with some positive momentum year-to-date, but also experienced a dip after earnings. The "largely at the same level" trend is supported by the relatively modest year-to-date gain and the lack of significant breakout movements, especially when considering the volatility of the broader regional bank sector.

Core reasons:1. Solid, but not outstanding, Q1 2026 Earnings: Meeting EPS estimates and slightly beating revenue, along with NIM expansion and loan/deposit growth, provided a baseline of stability. However, the subsequent slight stock drop suggests it wasn't a strong catalyst for upward movement, possibly due to modest growth outlook or other factors.2. Broader Regional Banking Sector Headwinds: Geopolitical tensions, inflation risks pushing out rate cut expectations, and a "yield curve twist" created a volatile and challenging environment for regional banks, limiting upside for individual stocks like UCB. The sector saw a pullback in February and a plunge in March.3. Modest Impact of Acquisition: The announced acquisition of Peach State Bancshares was relatively small ($100.8 million) and not expected to materially change the investment case, thus providing limited positive momentum.4. Absence of Significant Catalysts (Positive or Negative): No major positive news (e.g., much larger M&A, significant analyst upgrades with substantially higher price targets that haven't been incorporated yet) or overwhelmingly negative company-specific news (apart from the CFO retirement which isn't generally a major stock driver unless unforeseen) emerged to push the stock significantly in either direction beyond the general sector trends and earnings reaction. The absence of large insider trades also points to no strong internal sentiment shifts.

Let's refine these into 3-5 concise points.

Point 1: Q1 2026 Earnings, a mix of meeting expectations and a slight post-earnings dip.Point 2: Macroeconomic and industry-specific headwinds affecting regional banks, such as shifting interest rate expectations and geopolitical concerns.Point 3: The acquisition news, while a positive long-term signal, was too small to be a significant short-term catalyst.Point 4: Analyst sentiment, while "Moderate Buy", suggests limited explosive upside from current levels as price targets are not dramatically higher.

I need to ensure quantification and specify.

Let's re-evaluate the "largely at the same level" statement. While the YTD return of 6.45-9.9% is positive, it's not a dramatic run. It suggests the stock is trading within a relatively tight range considering market volatility and other factors. The prompt emphasizes "remained largely at the same level". I need to explain why it didn't move more significantly.

Drafting the points:

Point 1: Balanced Q1 2026 Earnings Performance. United Community Banks reported adjusted earnings per share (EPS) of $0.70 for Q1 2026, meeting consensus estimates, and revenue of $277.3 million, slightly exceeding expectations. While net interest margin expanded by 3 basis points from the prior quarter and 29 basis points year-over-year to 3.65%, the stock experienced a 4.14% drop in pre-market trading following the announcement, indicating a mixed investor reaction to the results and outlook.
Point 2: Regional Banking Sector Headwinds and Rate Uncertainty. The broader regional banking sector faced challenges, including increased geopolitical tensions and inflation risks that led to expectations of prolonged higher interest rates, effectively "pricing out" potential rate cuts in 2026. This macroeconomic environment contributed to a "yield curve twist" and caused broader regional banking ETFs to experience significant downturns in February and March 2026, creating a cautious sentiment for individual regional bank stocks like UCB.
Point 3: Modest Impact from Acquisition and Analyst Outlook. United Community Banks announced the acquisition of Peach State Bancshares for $100.8 million, a move seen as a continuation of its expansion strategy, but deemed too small to materially alter the investment case. Analyst sentiment remained generally positive with a "Moderate Buy" consensus rating and an average price target of $38.40, suggesting a limited but not exceptional upside from the stock's trading range of approximately $33-$34 during the period.

These three points seem to cover the company-specific and macroeconomic factors without going over the point limit or including insider trading below the threshold. They also include quantification where possible and address the "largely at the same level" trend.

I will double check the date range for the stock price movement and ensure the wording reflects the "largely at the same level" context.The prompt specifies "since 1/31/2026". The stock was around $33.52 on May 1, 2026. The 1-year trading range shows $26.88-$36.77. The YTD increase of 6.45-9.9% (approx. 3 months) is not a massive jump. So "largely at the same level" is a reasonable description of not having a dramatic upward or downward breakout.

The points are quantitative where possible and differentiate between company-specific and macroeconomic factors. No disclaimers, financial advice, or apologies. No preamble. Only , and

HTML tags.

Updated on 5/1/2026 Show less

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Stock Movement Drivers

Fundamental Drivers

The -1.8% change in UCB stock from 1/31/2026 to 5/3/2026 was primarily driven by a -5.4% change in the company's P/E Multiple.

(LTM values as of)	1312026	5032026	Change
Stock Price ($)	34.14	33.52	-1.8%
Change Contribution By:
Total Revenues ($ Mil)	1,013	1,041	2.7%
Net Income Margin (%)	31.3%	31.5%	0.6%
P/E Multiple	13.1	12.4	-5.4%
Shares Outstanding (Mil)	122	122	0.4%
Cumulative Contribution			-1.8%

LTM = Last Twelve Months as of date shown

Market Drivers

1/31/2026 to 5/3/2026

	Return	Correlation
UCB	-1.8%
Market (SPY)	3.6%	37.1%
Sector (XLF)	-2.3%	64.9%

Fundamental Drivers

The 16.7% change in UCB stock from 10/31/2025 to 5/3/2026 was primarily driven by a 9.9% change in the company's Net Income Margin (%).

(LTM values as of)	10312025	5032026	Change
Stock Price ($)	28.73	33.52	16.7%
Change Contribution By:
Total Revenues ($ Mil)	953	1,041	9.2%
Net Income Margin (%)	28.7%	31.5%	9.9%
P/E Multiple	12.8	12.4	-2.6%
Shares Outstanding (Mil)	121	122	-0.2%
Cumulative Contribution			16.7%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2025 to 5/3/2026

	Return	Correlation
UCB	16.7%
Market (SPY)	5.5%	34.1%
Sector (XLF)	-0.0%	58.9%

Fundamental Drivers

The 25.4% change in UCB stock from 4/30/2025 to 5/3/2026 was primarily driven by a 16.1% change in the company's Net Income Margin (%).

(LTM values as of)	4302025	5032026	Change
Stock Price ($)	26.74	33.52	25.4%
Change Contribution By:
Total Revenues ($ Mil)	930	1,041	11.9%
Net Income Margin (%)	27.1%	31.5%	16.1%
P/E Multiple	12.7	12.4	-2.1%
Shares Outstanding (Mil)	120	122	-1.4%
Cumulative Contribution			25.4%

LTM = Last Twelve Months as of date shown

Market Drivers

4/30/2025 to 5/3/2026

	Return	Correlation
UCB	25.4%
Market (SPY)	30.4%	48.9%
Sector (XLF)	8.1%	67.3%

Fundamental Drivers

The 48.8% change in UCB stock from 4/30/2023 to 5/3/2026 was primarily driven by a 43.4% change in the company's P/E Multiple.

(LTM values as of)	4302023	5032026	Change
Stock Price ($)	22.53	33.52	48.8%
Change Contribution By:
Total Revenues ($ Mil)	868	1,041	19.9%
Net Income Margin (%)	32.0%	31.5%	-1.4%
P/E Multiple	8.7	12.4	43.4%
Shares Outstanding (Mil)	107	122	-12.2%
Cumulative Contribution			48.8%

LTM = Last Twelve Months as of date shown

Market Drivers

4/30/2023 to 5/3/2026

	Return	Correlation
UCB	48.8%
Market (SPY)	78.7%	53.7%
Sector (XLF)	64.3%	72.0%

Return vs. Risk

Price Returns Compared

	2021	2022	2023	2024	2025	2026	Total [1]
Returns
UCB Return	29%	-3%	-10%	14%	-0%	8%	37%
Peers Return	27%	11%	1%	26%	10%	5%	107%
S&P 500 Return	27%	-19%	24%	23%	16%	5%	92%
Monthly Win Rates [3]
UCB Win Rate	67%	42%	42%	42%	58%	50%
Peers Win Rate	73%	54%	52%	58%	58%	45%
S&P 500 Win Rate	75%	42%	67%	75%	67%	50%
Max Drawdowns [4]
UCB Max Drawdown	-1%	-21%	-37%	-16%	-26%	-4%
Peers Max Drawdown	-3%	-11%	-33%	-12%	-17%	-7%
S&P 500 Max Drawdown	-1%	-25%	-1%	-2%	-15%	-7%

[1] Cumulative total returns since the beginning of 2021
[2] Peers: SSB, FHN, PNFP, ABCB, HOMB.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 5/1/2026 (YTD)

Event	UCB	S&P 500
2025 US Tariff Shock
% Loss	-28.4%	-18.8%
% Gain to Breakeven	39.6%	23.1%
Time to Breakeven	133 days	79 days
Summer-Fall 2023 Five Percent Yield Shock
% Loss	-22.2%	-9.5%
% Gain to Breakeven	28.6%	10.5%
Time to Breakeven	47 days	24 days
2023 SVB Regional Banking Crisis
% Loss	-35.3%	-6.7%
% Gain to Breakeven	54.6%	7.1%
Time to Breakeven	437 days	31 days
2022 Inflation Shock & Fed Tightening
% Loss	-21.7%	-24.5%
% Gain to Breakeven	27.7%	32.4%
Time to Breakeven	57 days	427 days
2020 COVID-19 Crash
% Loss	-43.7%	-33.7%
% Gain to Breakeven	77.6%	50.9%
Time to Breakeven	267 days	140 days
Q4 2018 Fed Policy Error / Growth Scare
% Loss	-27.3%	-19.2%
% Gain to Breakeven	37.5%	23.7%
Time to Breakeven	49 days	105 days

Compare to SSB, FHN, PNFP, ABCB, HOMB

In The Past

United Community Banks's stock fell -28.4% during the 2025 US Tariff Shock. Such a loss loss requires a 39.6% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

Event	UCB	S&P 500
2025 US Tariff Shock
% Loss	-28.4%	-18.8%
% Gain to Breakeven	39.6%	23.1%
Time to Breakeven	133 days	79 days
Summer-Fall 2023 Five Percent Yield Shock
% Loss	-22.2%	-9.5%
% Gain to Breakeven	28.6%	10.5%
Time to Breakeven	47 days	24 days
2023 SVB Regional Banking Crisis
% Loss	-35.3%	-6.7%
% Gain to Breakeven	54.6%	7.1%
Time to Breakeven	437 days	31 days
2022 Inflation Shock & Fed Tightening
% Loss	-21.7%	-24.5%
% Gain to Breakeven	27.7%	32.4%
Time to Breakeven	57 days	427 days
2020 COVID-19 Crash
% Loss	-43.7%	-33.7%
% Gain to Breakeven	77.6%	50.9%
Time to Breakeven	267 days	140 days
Q4 2018 Fed Policy Error / Growth Scare
% Loss	-27.3%	-19.2%
% Gain to Breakeven	37.5%	23.7%
Time to Breakeven	49 days	105 days
2015-2016 China Devaluation / Global Growth Scare
% Loss	-22.6%	-12.2%
% Gain to Breakeven	29.2%	13.9%
Time to Breakeven	200 days	62 days
2011 US Debt Ceiling Crisis & European Contagion
% Loss	-32.5%	-17.9%
% Gain to Breakeven	48.2%	21.8%
Time to Breakeven	478 days	123 days
2010 Eurozone Sovereign Debt Crisis / Flash Crash
% Loss	-46.9%	-15.4%
% Gain to Breakeven	88.4%	18.2%
Time to Breakeven	2320 days	125 days

Compare to SSB, FHN, PNFP, ABCB, HOMB

In The Past

United Community Banks's stock fell -28.4% during the 2025 US Tariff Shock. Such a loss loss requires a 39.6% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About United Community Banks (UCB)

Business Description Analogies Products Customers Suppliers Management Key Risks Emerging Threats Market Size Revenue Drivers Capital Allocation

United Community Banks, Inc. operates as the financial holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors. The company accepts various deposit products, including checking, savings, money market, and other deposit accounts. It also offers lending services, including real estate, consumer, and commercial loans, to individuals, small businesses, mid-sized commercial businesses, and non-profit organizations, as well as secured and unsecured, and mortgage loans. In addition, the company originate loans partially guaranteed by the SBA and USDA loan programs. Further, it provides wealth management services comprising financial planning, customized portfolio management, and investment advice; trust services to manage fiduciary assets; non-deposit investment products; and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities, as well as invests in residential and commercial mortgage-backed securities, asset-backed securities, the U.S. treasury, the U.S. agency, and municipal obligations. Additionally, the company offers reinsurance on a property insurance contract; insurance agency services; brokerage services; and payment processing, merchant, wire transfer, private banking, and other related financial services. It operates through a network of 171 branches in Florida, Georgia, North Carolina, South Carolina, and Tennessee. United Community Banks, Inc. was founded in 1950 and is headquartered in Blairsville, Georgia.

AI Analysis | Feedback

1. Think of it as the 'Bank of America of the Southeast,' but with a more community-focused approach.

2. It's like a community-focused Truist Financial for individuals and businesses across the Southeastern U.S.

3. The 'Walmart of banking' for communities across the Southeastern U.S., offering a broad array of financial services.

AI Analysis | Feedback

Deposit Accounts: Provides various accounts including checking, savings, and money market options for individuals and businesses.
Loan Products: Offers a range of real estate, consumer, and commercial loans, including SBA and USDA guaranteed programs.
Wealth Management: Delivers financial planning, customized portfolio management, and investment advice services.
Trust Services: Manages fiduciary assets for clients.
Insurance Products: Sells life, long-term care, tax-deferred annuities, and provides reinsurance on property contracts.
Brokerage Services: Facilitates investment transactions for clients.
Payment Processing & Merchant Services: Enables businesses to process payments and accept various forms of transactions.
Wire Transfer Services: Provides electronic funds transfer services.
Private Banking: Offers specialized financial services tailored for affluent clients.

AI Analysis | Feedback

United Community Banks (UCB) primarily serves a diverse range of customers, including individuals, commercial businesses, and non-profit organizations across the communities where it operates. Based on the company description, its major customer categories are:

Individuals (Retail Customers): This category includes individuals utilizing services such as checking, savings, and money market accounts; consumer loans and mortgage loans; wealth management services including financial planning, customized portfolio management, and investment advice; trust services; and various insurance products.
Commercial Businesses: This is a broad category encompassing small and mid-sized commercial businesses, as well as entities within specific sectors like real estate, government, education, energy, and health care. They are served with commercial loans, SBA and USDA loan programs, payment processing, merchant services, and other related financial services.
Non-profit Organizations: The company explicitly offers lending services to non-profit organizations.

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H. Lynn Harton Chairman and CEO

H. Lynn Harton joined United Community Banks in 2012 as Chief Operating Officer, progressing to President in 2015, CEO of the bank in 2017, and CEO of the holding company in 2018, before being named Chairman in 2019. Prior to his tenure at United Community Banks, Mr. Harton served as Executive Vice President and Head of Commercial Banking-South for TD Bank, N.A. from 2010 to 2012. Notably, he was President and CEO of The South Financial Group (TSFG) from 2009 to 2010, and also its Chief Risk and Chief Credit Officer from 2007 to 2009. During his time at TSFG, he was instrumental in raising capital during the 2008 financial crisis, negotiating the sale of the company to TD Bank, and overseeing its subsequent integration. His extensive career, which began in 1983, includes various executive positions at BB&T, Union Planters Corporation, and Regions Financial Corporation.

Jefferson Harralson Chief Financial Officer

Jefferson Harralson serves as the Executive Vice President and Chief Financial Officer of United Community Banks, Inc., a role he assumed in 2017. He brings over 25 years of experience in the financial services industry. Before joining United Community Banks, Mr. Harralson was a managing director at Keefe, Bruyette and Woods (KBW), a New York-based investment bank that specializes in financial institutions. He started at KBW as a vice president in 2002, where he was tasked with rebuilding the firm's Southeastern Bank Research efforts. He also led KBW's small and mid-sized bank research team and served as the associate director of research for the entire firm. His career has predominantly focused on the banking industry, particularly on small and mid-sized banks, and he covered United Community as an analyst during his time at KBW.

Richard W. Bradshaw President and Chief Banking Officer

Richard W. Bradshaw holds the positions of President and Chief Banking Officer at United Community Banks, Inc. He is also an Executive Vice President.

Robert A. Edwards Chief Risk Officer

Robert A. Edwards is the Chief Risk Officer for United Community Banks, Inc. He also holds the title of Executive Vice President.

Melinda Davis Lux Chief Administrative Officer, General Counsel and Corporate Secretary

Melinda Davis Lux serves as the Chief Administrative Officer, General Counsel, and Corporate Secretary for United Community Banks, Inc.

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Key Risks to United Community Banks (UCB)

United Community Banks (UCB) faces several key risks inherent to the banking sector, particularly as a regional institution. The most significant risks revolve around credit quality, interest rate fluctuations, and the evolving regulatory landscape.

The primary key risk to United Community Banks is its exposure to credit risk, especially within commercial real estate (CRE) lending. Multiple sources indicate that concerns about credit quality and loan performance, particularly in the commercial real estate sector, are elevated for regional banks, including UCB. The company's loan portfolio includes real estate loans, and economic downturns or fluctuations in the real estate market could negatively impact loan performance and profitability. Despite maintaining capital levels above regulatory minimums, the potential for stress in concentrated loan books, such as commercial real estate, remains a significant concern.

A second key risk is interest rate risk and potential net interest margin (NIM) compression. Banks are sensitive to changes in interest rates, which affect their net interest margin (the difference between interest earned on assets and interest paid on liabilities). Volatile interest rates can lead to challenges, including "deposit paradoxes" where deposit costs remain high even if central banks cut rates, thereby squeezing margins. While UCB has reported some recent expansion in its net interest margin, overall industry conditions, including a potentially inverted yield curve, make managing interest rate risk a continuous challenge.

Finally, regulatory and compliance burdens, coupled with increasing cybersecurity threats, pose a significant risk. The banking sector is subject to stringent oversight, and changes in legislation, regulation, or accounting standards can materially affect UCB's operations and financial performance. Regulators are increasingly demanding, and the compliance dates for new rules could impact banks. Additionally, cybersecurity risks, such as unauthorized access and data breaches, are a top concern for banks, potentially compromising customer information and damaging UCB's reputation, necessitating substantial investments in system upgrades and infrastructure.

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The emergence and growth of digital-only banks, online lenders, and financial services offered by large technology companies. These entities leverage technology to offer highly competitive interest rates, lower fees, streamlined digital experiences, and specialized lending products, often without the overhead of physical branches. This shift increasingly attracts customers, particularly younger demographics and small businesses, away from traditional banks like UCB for deposits, loans, and other financial services.

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Here are the addressable markets for United Community Banks' (UCB) main products and services:

Commercial Banking (including deposits and lending services): The U.S. commercial banking market size is estimated at USD 765.53 billion in 2026. This market encompasses services such as commercial lending, treasury management, syndicated loans, capital markets, and other related financial products and services, catering to various client sizes and industry verticals. United Community Banks operates in the Southern region of the U.S., which has experienced rapid economic growth and increased demand for commercial banking services, particularly in real estate, healthcare, and energy sectors.
Wealth Management Services: The human advisory segment of the wealth management market in North America was valued at USD 464.5 billion in 2024. Globally, the wealth management market was worth USD 1.25 trillion in 2020 and is projected to reach USD 3.43 trillion by 2030. Banks are anticipated to play a vital role in managing individuals' growing assets and wealth within this market, with the banks sub-segment projected to generate USD 439.6 billion by 2028.
Life Insurance and Annuities: The U.S. life insurance and annuities market was valued at USD 819 billion in 2024 and is expected to reach USD 1100.2 billion by 2032. The Southern region of the United States, where UCB operates, dominates this market with a 35% share due to its expanding population, with life insurers actively seeking opportunities in Florida, Georgia, and North Carolina. The market size for Life Insurance & Annuities in the US is projected to be $1.1 trillion in 2026.
Long-Term Care Private Insurance: The U.S. long-term care private insurance market size was estimated at USD 9.66 billion in 2023 and is projected to reach approximately USD 17.08 billion by 2033, growing at a CAGR of 5.86% from 2024 to 2033.

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United Community Banks (UCB) is expected to drive future revenue growth over the next 2-3 years through several strategic initiatives:

Strategic Mergers & Acquisitions and Geographic Expansion: UCB continues to actively pursue strategic mergers and acquisitions, particularly to expand its footprint in high-growth markets within the Southeast, such as Florida. The acquisition of ANB Holdings, Inc. in May 2025 is a recent example of this strategy, projected to be accretive to earnings per share and contribute to market share expansion. This inorganic growth strategy allows UCB to expand its customer base and asset portfolio.
Robust Organic Loan and Deposit Growth: The company emphasizes generating organic loan growth across various segments, including commercial and industrial (C&I) and home equity lines of credit (HELOCs). UCB reported strong annualized organic loan growth in the first and second quarters of 2025, demonstrating healthy origination pipelines. Coupled with efforts to increase customer deposits, this focus directly translates to higher interest income and overall revenue.
Expansion of National Lending Franchises: UCB is leveraging its established national lending franchises, including its Small Business Administration (SBA) lending and Navitas equipment finance operations. The Navitas equipment finance team, for instance, surpassed $1 billion in originations for the first time in 2025, indicating significant growth in these specialized lending areas.
Growth in Noninterest Revenue and Diversification of Fee Income: Management is focused on increasing noninterest revenue by emphasizing areas such as wealth management services, treasury management, payment processing, and mortgage banking. The goal is to lift noninterest revenue towards approximately 25% of total revenue by 2026. This diversification reduces reliance on traditional interest income and provides more resilient revenue streams.

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Share Repurchases

A new common stock repurchase program, authorizing the buyback of up to $100 million of outstanding shares, was approved in August 2025 and is set to run through December 31, 2026.
Under its current program, United Community Banks repurchased $44 million worth of shares in 2025.
In August 2024, the company amended its existing share repurchase program, increasing the authorization to $100 million and extending its expiration to December 31, 2025. This followed re-authorizations of $50 million in November 2023 and $50 million in November 2022.

Share Issuance

United Community Banks announced in December 2024 an agreement to acquire ANB Holdings, Inc. in an all-stock transaction valued at approximately $80 million, which involved ANB shareholders receiving 1.650 shares of United common stock for each of their ANB common shares.

Outbound Investments

United Community Banks agreed to acquire ANB Holdings, Inc. and its subsidiary, American National Bank, in an all-stock transaction valued at approximately $80 million, with the merger anticipated to close in the second quarter of 2025, enhancing its presence in the greater Miami market.
In 2023, the company acquired First Miami Bancorp, Inc.
The company completed the acquisition of Progress Financial Corporation in May 2022, and Reliant Bancorp, Inc. in July 2021.

Interactive Breakdown

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Better Bets vs. United Community Banks (UCB)

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Latest Trefis Analyses

	Title	Date
0	DASHBOARDS
1	United Community Banks Stock Jump Looks Great, But How Secure Is That Gain?	10/17/2025
2	Why United Community Banks Stock Moved: UCB Stock Has Gained 16% Since 2023 Fiscal End, Primarily Due To Favorable Change In Revenues	08/08/2025
3	United Community Banks (UCB) Valuation Ratios Comparison	08/08/2025
4	UCB Dip Buy Analysis	07/10/2025
5	Time To Buy United Community Banks Stock?	02/28/2025
6	United Community Banks (UCB) Operating Cash Flow Comparison	02/17/2025
7	United Community Banks (UCB) Net Income Comparison	02/16/2025

	Title
0	ARTICLES

Trade Ideas

Select ideas related to UCB.

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EEFT_4302026_Dip_Buyer_ValueBuy	04302026	EEFT	Euronet Worldwide	Dip Buy	DB \| P/E OPMDip Buy with Low PE and High Margin Buying dips for companies with tame PE and meaningfully high operating margin	0.0%	0.0%	0.0%
HOMB_4242026_Insider_Buying_GTE_1Mil_EBITp+DE_V2	04242026	HOMB	Home BancShares	Insider	Insider Buys \| Low D/EStrong Insider Buying Companies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap	1.5%	1.5%	0.0%
HBAN_3312026_Insider_Buying_45D_2Buy_200K	03312026	HBAN	Huntington Bancshares	Insider	Insider Buys 45DStrong Insider Buying Companies with multiple insider buys in the last 45 days	7.1%	7.1%	0.0%
NP_3312026_Insider_Buying_45D_2Buy_200K	03312026	NP	Neptune Insurance	Insider	Insider Buys 45DStrong Insider Buying Companies with multiple insider buys in the last 45 days	3.9%	3.9%	0.0%
JKHY_3272026_Monopoly_xInd_xCD_Getting_Cheaper	03272026	JKHY	Jack Henry & Associates	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	0.3%	0.3%	-4.0%

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Peer Comparisons

Peers to compare with:

Financials

	UCB	SSB	FHN	PNFP	ABCB	HOMB	Median
Name	United C.	SouthSta.	First Ho.	Pinnacle.	Ameris B.	Home Ban.
Mkt Price	33.52	97.48	24.89	98.64	85.56	26.74	59.54
Mkt Cap	4.1	9.8	12.2	7.6	5.8	5.3	6.7
Rev LTM	1,041	2,617	3,324	1,739	1,174	1,078	1,456
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	356	231	595	1,048	370	377	373
FCF 3Y Avg	294	405	1,027	624	354	385	395
CFO LTM	384	301	628	1,143	390	399	395
CFO 3Y Avg	343	453	1,065	710	371	413	433

Growth & Margins

	UCB	SSB	FHN	PNFP	ABCB	HOMB	Median
Name	United C.	SouthSta.	First Ho.	Pinnacle.	Ameris B.	Home Ban.
Rev Chg LTM	11.9%	57.0%	7.4%	22.2%	6.3%	7.7%	9.8%
Rev Chg 3Y Avg	6.3%	20.1%	2.2%	12.4%	3.9%	5.6%	6.0%
Rev Chg Q	11.3%	55.9%	22.8%	13.5%	6.3%	9.3%	12.4%
QoQ Delta Rev Chg LTM	2.7%	9.3%	5.1%	3.3%	1.5%	2.2%	3.0%
Op Inc Chg LTM	-	-	-	-	-	-	-
Op Inc Chg 3Y Avg	-	-	-	-	-	-	-
Op Mgn LTM	-	-	-	-	-	-	-
Op Mgn 3Y Avg	-	-	-	-	-	-	-
QoQ Delta Op Mgn LTM	-	-	-	-	-	-	-
CFO/Rev LTM	36.9%	11.5%	18.9%	65.7%	33.2%	37.0%	35.1%
CFO/Rev 3Y Avg	36.1%	24.8%	33.7%	45.1%	33.9%	40.6%	35.0%
FCF/Rev LTM	34.2%	8.8%	17.9%	60.3%	31.5%	35.0%	32.9%
FCF/Rev 3Y Avg	30.7%	22.4%	32.5%	39.4%	32.4%	37.9%	32.4%

Valuation

	UCB	SSB	FHN	PNFP	ABCB	HOMB	Median
Name	United C.	SouthSta.	First Ho.	Pinnacle.	Ameris B.	Home Ban.
Mkt Cap	4.1	9.8	12.2	7.6	5.8	5.3	6.7
P/S	3.9	3.7	3.7	4.4	5.0	4.9	4.1
P/Op Inc	-	-	-	-	-	-	-
P/EBIT	-	-	-	-	-	-	-
P/E	12.4	12.2	12.4	12.2	14.1	11.1	12.3
P/CFO	10.6	32.4	19.4	6.6	14.9	13.2	14.0
Total Yield	11.0%	10.6%	10.6%	9.2%	8.0%	12.1%	10.6%
Dividend Yield	2.9%	2.4%	2.6%	1.0%	0.9%	3.0%	2.5%
FCF Yield 3Y Avg	7.8%	5.5%	10.8%	-	8.6%	7.1%	7.8%
D/E	0.0	0.1	0.1	0.3	0.1	0.1	0.1
Net D/E	-0.8	-0.0	-0.6	-0.5	-0.4	-0.3	-0.5

Returns

	UCB	SSB	FHN	PNFP	ABCB	HOMB	Median
Name	United C.	SouthSta.	First Ho.	Pinnacle.	Ameris B.	Home Ban.
1M Rtn	4.5%	3.8%	7.4%	13.3%	9.1%	-1.6%	5.9%
3M Rtn	-1.8%	-4.2%	2.4%	4.8%	6.4%	-6.8%	0.3%
6M Rtn	16.7%	11.3%	18.2%	4.8%	20.1%	1.6%	14.0%
12M Rtn	21.2%	11.8%	35.5%	4.8%	43.0%	-3.7%	16.5%
3Y Rtn	71.8%	67.1%	176.5%	4.8%	199.7%	40.8%	69.5%
1M Excs Rtn	-5.0%	-5.8%	-1.6%	2.9%	-1.0%	-11.6%	-3.3%
3M Excs Rtn	-6.0%	-8.4%	-1.8%	0.6%	2.2%	-11.0%	-3.9%
6M Excs Rtn	11.6%	6.8%	16.9%	-0.2%	13.9%	-3.0%	9.2%
12M Excs Rtn	-4.5%	-14.6%	11.8%	-25.1%	17.8%	-30.7%	-9.6%
3Y Excs Rtn	-26.9%	-18.2%	-19.0%	-73.5%	94.0%	-39.9%	-23.0%

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Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2025	2024	2023	2022	2021	2020
Period End	12/31/2025	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020
Filing Date	2/17/2026	2/17/2026	2/27/2025	2/23/2024	2/24/2023	2/25/2022	2/25/2021
Key Financials
Total Revenue	1,041	1,041	930	872	868	687	639
Net Income	328	328	252	188	277	270	164
EPS	2.63	2.62	2.04	1.54	2.52	2.97	1.91
Growth Rates
Total Revenue Growth	11.9%	11.9%	6.7%	0.4%	26.5%	7.4%	14.6%
Net Income Growth	30.0%	30.0%	34.6%	-32.4%	2.8%	64.4%	-11.6%
Margins
Net Income Margin	31.5%	31.5%	27.1%	21.5%	32.0%	39.3%	25.7%
Cash & Debt
Total Cash	3,315	3,315	4,956	4,335	4,126	6,788	4,833
Total Debt	120	120	254	325	875	247	327
Net Debt / (Cash)	-3,195	-3,195	-4,702	-4,010	-3,252	-6,541	-4,506
Cash Flows
Net Cash from Operations	384	384	350	294	607	359	159
Free Cash from Operations	356	356	303	221	565	333	140
Returns to Shareholders
Dividends	119	123	119	112	94	74	62
Share Repurchases	122	136	-0	7	-0	15	21

$ Mil \| FY: 12/31	2025Q4	2025Q3	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1
Period End	12/31/2025	9/30/2025	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023
Filing Date	2/17/2026	11/7/2025	8/8/2025	5/9/2025	2/27/2025	11/8/2024	8/9/2024	5/9/2024	2/23/2024	11/3/2023	8/4/2023	5/5/2023
Key Financials Quarterly
Total Revenue	273	271	254	243	245	211	240	234	175	229	231	236
Net Income	86	91	79	71	76	47	67	63	14	48	63	62
EPS	0.71	0.71	0.63	0.58	0.61	0.38	0.54	0.51	0.11	0.39	0.53	0.52
Key Financials TTM
Total Revenue TTM	1,041	1,013	953	939	930	860	879	870	872	934	931	906
Net Income TTM	328	317	273	261	252	191	191	188	188	255	288	292
Growth Rates Quarterly
Total Revenue Growth	11.3%	28.6%	5.8%	3.8%	39.8%	-8.1%	3.9%	-0.8%	-26.3%	1.4%	12.2%	19.2%
Net Income Growth	14.1%	93.2%	18.2%	14.0%	438.0%	-1.1%	5.3%	0.5%	-82.7%	-41.0%	-5.3%	29.7%
Margins Quarterly
Net Income Margin	31.7%	33.8%	31.0%	29.4%	30.9%	22.5%	27.7%	26.8%	8.0%	20.9%	27.3%	26.4%
Cash & Debt
Total Cash	3,315	4,503	4,636	4,959	4,956	4,763	4,168	4,355	4,335	3,942	4,071	4,109
Total Debt	120	155	155	254	254	316	325	325	325	362	325	362
Net Debt / (Cash)	-3,195	-4,347	-4,481	-4,705	-4,702	-4,447	-3,843	-4,030	-4,010	-3,579	-3,746	-3,747
Cash Flows Quarterly
FCF from Operations	65	123	97	99	148	8	105	89	22	87	95	90
Cash Flows TTM
FCF from Operations TTM	384	467	351	360	350	223	303	293	294	371	445	497
Returns to Shareholders Quarterly
Dividends	31	30	29	29	29	28	28	28	28	27	27	24
Share Repurchases	30	92	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0
Return on Invested Capital (ROIC) Quarterly
ROIC	-	-	-	-	-	-	-	-	-	-	-	-
Return on Invested Capital (ROIC) TTM
ROIC TTM	-	-	-	-	-	-	-	-	-	-	-	-

Segment Financials

Revenue by Segment

$ Mil	2025	2024	2023	2022	2021
Single Segment	930	872	868	687	639
Total	930	872	868	687	639

Price Behavior

Price Behavior

Market Price	$33.52
Market Cap ($ Bil)	4.1
First Trading Date	03/21/2002
Distance from 52W High	-7.4%
	50 Days	200 Days
DMA Price	$32.22	$31.60
DMA Trend	up	down
Distance from DMA	4.0%	6.1%
	3M	1YR
Volatility	27.2%	26.0%
Downside Capture	0.59	0.50
Upside Capture	71.53	89.23
Correlation (SPY)	37.4%	48.8%

UCB Betas & Captures as of 4/30/2026

	1M	2M	3M	6M	1Y	3Y
Beta	0.85	0.65	0.67	0.64	1.02	1.15
Up Beta	0.59	0.55	0.59	0.75	1.27	1.15
Down Beta	1.83	0.45	0.39	0.56	1.00	1.06
Up Capture	86%	78%	69%	76%	86%	151%
Bmk +ve Days	15	22	31	66	141	428
Stock +ve Days	14	25	36	69	129	375
Down Capture	227%	67%	87%	51%	95%	106%
Bmk -ve Days	4	18	30	56	108	321
Stock -ve Days	8	18	28	55	120	371

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

Based On 1-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with UCB
UCB	25.5%	26.0%	0.84	-
Sector ETF (XLF)	8.2%	14.7%	0.32	67.3%
Equity (SPY)	30.6%	12.5%	1.88	48.9%
Gold (GLD)	39.5%	27.2%	1.20	-5.5%
Commodities (DBC)	51.5%	17.9%	2.20	-13.2%
Real Estate (VNQ)	13.1%	13.5%	0.67	40.4%
Bitcoin (BTCUSD)	-17.1%	42.2%	-0.33	20.9%

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Based On 5-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with UCB
UCB	3.3%	31.8%	0.15	-
Sector ETF (XLF)	9.8%	18.7%	0.40	71.2%
Equity (SPY)	12.8%	17.1%	0.59	54.3%
Gold (GLD)	20.5%	17.9%	0.94	-0.8%
Commodities (DBC)	14.3%	19.1%	0.61	10.9%
Real Estate (VNQ)	3.5%	18.8%	0.09	51.1%
Bitcoin (BTCUSD)	7.7%	56.2%	0.35	19.5%

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Based On 10-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with UCB
UCB	8.0%	35.0%	0.32	-
Sector ETF (XLF)	12.6%	22.2%	0.52	77.2%
Equity (SPY)	14.9%	17.9%	0.71	59.3%
Gold (GLD)	13.6%	15.9%	0.71	-8.9%
Commodities (DBC)	9.7%	17.7%	0.46	19.3%
Real Estate (VNQ)	5.7%	20.7%	0.24	52.1%
Bitcoin (BTCUSD)	67.7%	66.9%	1.07	13.3%

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Short Interest

Short Interest: As Of Date	4152026
Short Interest: Shares Quantity	3.1 Mil
Short Interest: % Change Since 3312026	-10.0%
Average Daily Volume	0.9 Mil
Days-to-Cover Short Interest	3.4 days
Basic Shares Quantity	121.7 Mil
Short % of Basic Shares	2.6%

Returns Analyses

	Title
0	United Community Banks Stock Jump Looks Great, But How Secure Is That Gain?

Earnings Returns History

Expand for More

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
4/21/2026	-3.3%	-1.8%
1/14/2026	2.8%	8.2%	6.3%
10/22/2025	-0.5%	-1.4%	-1.5%
7/23/2025	2.1%	-0.1%	0.0%
4/22/2025	6.9%	12.1%	19.8%
1/22/2025	-0.9%	1.0%	-2.0%
10/23/2024	-1.6%	-0.4%	13.3%
7/24/2024	0.4%	3.8%	-3.4%
...
SUMMARY STATS
# Positive	11	11	14
# Negative	14	14	10
Median Positive	1.1%	4.1%	4.4%
Median Negative	-1.2%	-2.5%	-4.0%
Max Positive	6.9%	25.4%	28.1%
Max Negative	-8.1%	-14.9%	-16.4%

	Forward Returns
4/21/2026	-3.3%	-1.8%
1/14/2026	2.8%	8.2%	6.3%
10/22/2025	-0.5%	-1.4%	-1.5%
7/23/2025	2.1%	-0.1%	0.0%
4/22/2025	6.9%	12.1%	19.8%
1/22/2025	-0.9%	1.0%	-2.0%
10/23/2024	-1.6%	-0.4%	13.3%
7/24/2024	0.4%	3.8%	-3.4%
4/24/2024	0.6%	-3.6%	1.7%
1/24/2024	-1.1%	-0.9%	-10.0%
10/18/2023	-7.9%	-14.9%	-4.0%
7/18/2023	-1.2%	0.1%	-2.7%
4/18/2023	1.1%	-8.9%	-16.4%
1/17/2023	-8.1%	-8.8%	-4.0%
10/18/2022	-1.0%	2.0%	0.7%
7/19/2022	-0.2%	0.1%	11.9%
4/19/2022	0.2%	-3.2%	-6.8%
1/19/2022	-2.2%	-1.6%	2.0%
10/19/2021	2.6%	5.1%	4.4%
7/15/2021	-2.8%	-8.9%	0.9%
4/20/2021	1.1%	4.1%	8.0%
1/19/2021	-0.4%	-1.1%	1.8%
10/20/2020	0.9%	5.2%	28.1%
7/21/2020	-1.2%	-4.4%	-5.2%
4/22/2020	1.1%	25.4%	4.4%
SUMMARY STATS
# Positive	11	11	14
# Negative	14	14	10
Median Positive	1.1%	4.1%	4.4%
Median Negative	-1.2%	-2.5%	-4.0%
Max Positive	6.9%	25.4%	28.1%
Max Negative	-8.1%	-14.9%	-16.4%

SEC Filings

Expand for More

Report Date	Filing Date	Filing
12/31/2025	02/17/2026	10-K
09/30/2025	11/07/2025	10-Q
06/30/2025	08/08/2025	10-Q
03/31/2025	05/09/2025	10-Q
12/31/2024	02/27/2025	10-K
09/30/2024	11/08/2024	10-Q
06/30/2024	08/09/2024	10-Q
03/31/2024	05/09/2024	10-Q
12/31/2023	02/23/2024	10-K
09/30/2023	11/03/2023	10-Q
06/30/2023	08/04/2023	10-Q
03/31/2023	05/05/2023	10-Q
12/31/2022	02/24/2023	10-K
09/30/2022	11/04/2022	10-Q
06/30/2022	08/05/2022	10-Q
03/31/2022	05/06/2022	10-Q

Recent Forward Guidance [BETA]

Latest: Q1 2026 Earnings Reported 4/21/2026

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Prior: Q4 2025 Earnings Reported 1/14/2026

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Insider Activity

Expand for More

#	Owner	Title	Holding	Action	Filing Date	Price	Shares	Transacted Value	Value of Held Shares	Form
1	Bradshaw, Richard	EVP, Chief Banking Officer	Direct	Sell	4282026	33.09	1,510	49,966	2,796,006	Form
2	Harton, H Lynn	President & CEO	Herbert Lynn Harton Revocable Trust dated 3/16/15	Sell	2192026	34.64	25,000	865,900	2,913,684	Form
3	Bradshaw, Richard	EVP, Chief Banking Officer	Direct	Sell	2032026	34.17	1,460	49,888	2,460,343	Form
4	Kumler, Alan H	SVP, Chief Accounting Officer	Direct	Sell	1232026	35.36	12,043	425,806	745,893	Form
5	Bradshaw, Richard	EVP, Chief Banking Officer	Direct	Sell	10282025	30.23	1,654	50,000	2,274,082	Form

UCB Trade Sentinel

Stock Conviction

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CONVICTION RATIONALE

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STOCK ARCHETYPE

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Looking for high-conviction positions with a better risk/reward profile? See what's currently in the Trefis High Quality Portfolio.

INVESTMENT THESIS

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Mechanism: null

Supporting Evidence:

PRIMARY RISK

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Mechanism: null

Supporting Evidence:

Key KPI Watchlist

KPI	Threshold	Rationale

Core Investment Debate

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

BEAR VIEW

Next 6 months: Risks and Catalysts

Timeline	Event & Metric To Watch

Key Events in Last 6 Months

Date	Event	Stock Impact

Risk Management

Position Sizing

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Diversification Alternatives

How Is The Market Pricing UCB?

What will confirm the thesis

What will damage the thesis

Noise: Real but irrelevant to thesis

Repricing Catalyst

What UCB Makes & Who Pays

TTM figures based on

UCB Evolution: Price Return by Era

① Structure

② Volume / Momentum

③ Catalyst

Combined Score

0 / 12

1 Price Structure & Trend · ▾

2 Momentum ▾

3 Relative Strength vs. SPY ▾

4 Institutional Footprint & Volume ▾

5 Volatility ▾

6 Key Price Levels Range · Vol ▾

7 Earnings Reaction History ▾

8 How the Verdict Is Derived Three Pillars ▾

Pillar	Score
① Structure	0
② Vol / Mom	0
③ Catalyst	0

ℹ Bull Pillars: 0 · Bear Pillars: 0 · Combined Score: 0 →

Industry Resources

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Federal Reserve Economic Data

External Quote Links

0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

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United Community Banks (UCB)

Market Price (5/4/2026): $33.525 | Market Cap: $4.1 BilSector: Financials | Industry: Regional Banks

United Community Banks (UCB)

Market Price (5/4/2026): $33.525Market Cap: $4.1 BilSector: FinancialsIndustry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

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In The Past

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About United Community Banks (UCB)

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Based On 1-Year Data

Based On 5-Year Data

Based On 10-Year Data

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Earnings Returns History

SEC Filings

Recent Forward Guidance [BETA]

Insider Activity

UCB Trade Sentinel

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CONVICTION RATIONALE

STOCK ARCHETYPE

INVESTMENT THESIS

PRIMARY RISK

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

Market Price (5/4/2026): $33.525 | Market Cap: $4.1 Bil
Sector: Financials | Industry: Regional Banks

Market Price (5/4/2026): $33.525
Market Cap: $4.1 Bil
Sector: Financials
Industry: Regional Banks