UNITED COMMUNITY BANKS INC

UCB

UNITED COMMUNITY BANKS INC

UCB

Insider Sentiment (TTM):

Last Purchase:2025-04-28Last Sale:2026-04-27Shares Purchased (TTM):0Shares Sold (TTM):41,667

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:99,671,360Shares Outstanding:120,498,000Institutional Ownership Pct.:82.72%

Earnings Market Reaction:

Filing Date:2026-08-05Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Due From Banks	129	177	203	205	202	198	296	203	198	204	201	193
Interest Bearing Deposits In Banks	326	316	193	408	359	438	224	537	365	758	803	567
Cash Cash Equivalents And Federal Funds Sold	455	493	396	613	575	637	520	740	563	962	1,004	760
Trading Securities Debt	91	103	-	-	-	-	-	-	-	-	-	-
Debt Securities Available For Sale Excluding Accru…	4,106	3,575	3,751	3,889	4,075	4,323	4,436	4,023	3,605	3,393	3,331	3,182
Debt Securities Held To Maturity Excluding Accrued…	-	-	-	-	-	-	-	-	-	2,465	2,491	2,519
Loans Receivable Held For Sale Amount	-	-	-	-	-	-	-	-	-	-	-	37
Loans Held For Sale Fair Value Disclosure	-	41	39	35	37	37	58	50	49	38	33	-
Financing Receivable Accrued Interest Before Allow…	-	-	-	-	-	-	-	17,964	18,211	18,375	-	-
Financing Receivable Excluding Accrued Interest Be…	-	-	-	-	-	-	18,176	-	-	-	18,319	18,203
Financing Receivable Allowance For Credit Loss Exc…	-	-208	-210	-216	-217	-212	-207	-205	-213	-211	-208	-202
Financing Receivable Excluding Accrued Interest Af…	-	19,393	19,174	18,959	18,704	18,213	17,969	17,759	17,998	18,164	18,111	18,001
Property Plant And Equipment Net	394	392	394	395	396	391	394	397	395	386	378	371
Bank Owned Life Insurance	368	365	364	363	362	346	346	346	344	342	345	345
Interest Receivable	-	-	84	-	-	-	86	-	-	-	88	-
Deferred Income Tax Assets Net	-	-	76	-	-	-	97	-	-	-	113	-
Derivative Assets	-	-	35	-	-	-	47	-	-	-	50	-
Intangible Assets Net Including Goodwill	962	965	968	971	974	953	957	975	979	988	990	994
Other Assets	677	637	485	645	654	634	443	682	691	626	363	660
Assets	29,051	28,177	28,003	28,143	28,086	27,874	27,720	27,373	27,057	27,365	27,297	26,869
Liabilities And Stockhold…
Liabilities
Deposits
Noninterest Bearing Deposit Liabilities	6,450	6,473	6,252	6,444	6,382	6,257	6,211	6,223	6,291	6,410	6,534	6,782
Interest Bearing Deposit Liabilities	17,275	17,552	17,546	17,577	17,581	17,505	17,250	17,031	16,691	16,922	16,776	16,076
Deposits	23,724	24,025	23,798	24,021	23,963	23,762	23,461	23,253	22,982	23,332	23,311	22,858
Short Term Borrowings	360	0	85	0	0	0	195	-	-	-	0	37
Long Term Debt	21	121	120	155	155	254	254	316	325	325	325	325
Advances From Federal Home Loan Banks	-	-	-	-	-	-	-	-	-	-	0	0
Derivative Liabilities	-	-	53	-	-	-	78	-	-	-	85	-
Accrued Liabilities And Other Liabilities	401	376	307	371	354	356	300	397	408	408	315	465
Liabilities	25,306	24,522	24,364	24,547	24,473	24,373	24,288	23,966	23,715	24,065	24,036	23,685
Stockholders Equity
Preferred Stock Including Additional Paid In Capit…	-	-	0	0	88	88	88	88	88	88	88	90
Common Stock Value	120	120	121	122	121	120	119	119	119	119	119	119
Additional Paid In Capital	2,725	2,721	2,754	2,767	2,765	2,712	2,723	2,707	2,705	2,703	2,699	2,698
Retained Earnings Accumulated Deficit	1,053	968	914	858	803	755	714	669	652	615	581	597
Accumulated Other Comprehensive Income Loss Net Of…	-153	-154	-151	-164	-177	-187	-213	-190	-235	-237	-239	-333
Stockholders Equity	3,745	3,655	3,639	3,597	3,613	3,501	3,432	3,407	3,343	3,300	3,262	3,184
Liabilities And Stockholders Equity	29,051	28,177	28,003	28,143	28,086	27,874	27,720	27,373	27,057	27,365	27,297	26,869
Held To Maturity Securities Fair Value	1,849	1,878	1,918	1,937	1,936	1,952	1,944	2,061	2,004	2,043	2,096	1,992
Other Assets Fair Value Disclosure	100	99	72	109	108	110	69	105	116	-	62	-
Accounts Payable And Accrued Liabilities Fair Valu…	68	65	16	72	75	80	15	79	102	-	13	-
Preferred Stock Par Or Stated Value Per Share	-	-	1	1	1	1	1	1	1	1	1	1
Preferred Stock Shares Authorized	-	-	10	10	10	10	10	10	10	10	10	10
Preferred Stock Shares Issued	-	-	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	-	-	0	0	0	0	0	0	0	0	0	0
Preferred Stock Liquidation Preference Value	-	-	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	1	1	1	1	1	1	1	1	1	1	1	1
Common Stock Shares Authorized	200	200	200	200	200	200	200	200	200	200	200	200
Common Stock Shares Issued	120	120	121	122	121	120	119	119	119	119	119	119
Shares Outstanding	120	120	121	122	121	120	119	119	119	119	119	119

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-2.92%	5.68%	4.61%	-	-	-	-	-	-	-	-	-
2025	0.74%	5.85%	11.47%	12.46%	8.00%	1.56%	1.97%	8.51%	13.89%	-13.42%	-1.71%	-3.53%
2024	-3.93%	-3.79%	19.07%	9.68%	3.88%	0.36%	6.66%	2.79%	4.76%	-10.91%	-21.07%	-5.50%
2023	-	-	-	-	-	-	2.33%	24.43%	21.28%	-2.81%	-4.05%	3.15%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	99.71	66.10	51.20	38.78	28.63	3.25	2.14	1.56	1.43	1.46	1.54	2.02
Per Share Metrics
Diluted EPS TTM	3.13	2.82	2.70	2.57	2.27	2.17	2.11	1.53	1.54	1.51	1.54	2.08
Free Cash Flow Per Share TTM	3.00	2.69	2.94	3.60	2.63	2.68	2.53	1.41	2.03	1.91	1.88	2.47
Dividend Per Share TTM	1.01	1.00	0.98	0.96	0.95	0.95	0.94	0.93	0.92	0.91	0.89	0.84
Margin Metrics
Gross Profit Margin TTM	61.00%	58.64%	55.43%	51.72%	46.75%	44.22%	42.20%	17.59%	18.60%	20.69%	27.49%	63.43%
Operating Profit Margin TTM	43.95%	40.26%	39.73%	39.22%	35.64%	34.68%	33.92%	27.42%	27.84%	28.36%	28.93%	38.01%
Net Profit Margin TTM	33.94%	31.22%	30.86%	30.32%	28.20%	27.18%	26.51%	21.23%	21.62%	22.02%	22.50%	28.85%
Growth Metrics
Net Revenue Growth (1Y)	13.83%	13.62%	11.66%	19.45%	14.29%	16.82%	18.45%	0.64%	-2.24%	-5.05%	-2.70%	10.71%
Net Income Growth (1Y)	37.02%	30.55%	29.99%	70.57%	49.08%	44.16%	39.56%	-25.93%	-34.49%	-36.51%	-32.80%	2.72%
EPS Growth (1Y)	38.24%	30.06%	28.36%	67.36%	47.05%	43.70%	37.02%	-26.12%	-36.66%	-38.75%	-39.06%	-8.30%
Valuation Metrics
P/E TTM	11.19	11.05	11.36	11.91	12.74	12.43	14.62	17.91	15.49	16.16	17.53	11.17
P/B TTM	1.13	1.03	1.02	1.04	0.97	0.93	1.07	0.97	0.86	0.89	0.97	0.87
P/S TTM	3.80	3.45	3.51	3.61	3.59	3.38	3.87	3.80	3.35	3.56	3.94	3.22
Market Cap	4.22B	3.77B	3.73B	3.74B	3.51B	3.25B	3.69B	3.30B	2.86B	2.93B	3.17B	2.78B
Enterprise Value	4.15B	3.39B	3.54B	3.28B	3.09B	2.86B	3.62B	2.87B	2.62B	2.29B	2.49B	2.38B
Calculated Values
Free Cash Flow TTM	361.19M	324.49M	356.46M	439.30M	319.39M	321.91M	302.69M	168.58M	242.61M	229.09M	221.49M	295.54M
Net Debt	-74.50M	-372.64M	-190.35M	-458.18M	-419.81M	-382.43M	-70.72M	-423.68M	-237.98M	-637.08M	-679.05M	-397.37M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-04-27Sale

Owner: Bradshaw, Richard

Title: EVP, Chief Banking Officer

Shares: 1,510

Price/Share: $33.09

Value: $49,965.90

Shares Owned: 84,497

Relationship: Officer

Ownership: Direct

2026-02-18Sale

Owner: Harton, H Lynn

Title: President & CEO

Shares: 25,000

Price/Share: $34.64

Value: $866,000.00

Shares Owned: 84,123

Relationship: Director,Officer

Ownership: Indirect

2026-02-02Sale

Owner: Bradshaw, Richard

Title: EVP, Chief Banking Officer

Shares: 1,460

Price/Share: $34.17

Value: $49,888.20

Shares Owned: 72,003

Relationship: Officer

Ownership: Direct

2026-01-23Sale

Owner: Kumler, Alan H

Title: SVP, Chief Accounting Officer

Shares: 12,043

Price/Share: $35.36

Value: $425,840.48

Shares Owned: 21,096

Relationship: Officer

Ownership: Direct

2025-10-27Sale

Owner: Bradshaw, Richard

Title: EVP, Chief Banking Officer

Shares: 1,654

Price/Share: $30.23

Value: $50,000.42

Shares Owned: 75,226

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-04-27	Bradshaw, Richard	Officer	EVP, Chief Banking Officer	Direct	Sale	1,510	33.09	$49,965.90	84,497	4
2026-02-18	Harton, H Lynn	Director,Officer	President & CEO	Indirect	Sale	25,000	34.64	$866,000.00	84,123	4
2026-02-02	Bradshaw, Richard	Officer	EVP, Chief Banking Officer	Direct	Sale	1,460	34.17	$49,888.20	72,003	4
2026-01-23	Kumler, Alan H	Officer	SVP, Chief Accounting Officer	Direct	Sale	12,043	35.36	$425,840.48	21,096	4
2025-10-27	Bradshaw, Richard	Officer	EVP, Chief Banking Officer	Direct	Sale	1,654	30.23	$50,000.42	75,226	4
2025-07-28	Bradshaw, Richard	Officer	EVP, Chief Banking Officer	Direct	Sale	1,616	30.95	$50,015.20	78,395	4
2025-05-05	Bradshaw, Richard	Officer	EVP, Chief Banking Officer	Direct	Sale	35	28.16	$985.60	79,890	4
2025-04-28	Daniels, Kenneth L	Director	-	Indirect	Purchase	500	27.23	$13,615.00	2,500	4
2025-03-11	Davis, Sally Pope	Director	-	Direct	Purchase	1,800	28.19	$50,742.00	3,264	4
2025-02-19	Harton, H Lynn	Director,Officer	President & CEO	Indirect	Sale	3,321	33.29	$110,556.09	109,123	4
2025-02-10	Harton, H Lynn	Director,Officer	President & CEO	Indirect	Sale	31,679	33.98	$1,076,452.42	112,444	4
2025-01-27	Bradshaw, Richard	Officer	EVP, Chief Banking Officer	Direct	Sale	1,527	32.75	$50,009.25	67,876	4
2024-10-28	Harralson, Jefferson L	Officer	EVP, CFO	Direct	Sale	10,275	28.18	$289,549.50	43,991	4
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Institutional Ownership

No data available for chart

2026-03-31

82.72%

Inst. Shares: 99,671,360

Shares Outstanding: 120,498,000

2025-12-31

82.74%

Inst. Shares: 100,365,178

Shares Outstanding: 121,309,000

2025-09-30

80.83%

Inst. Shares: 98,709,086

Shares Outstanding: 122,116,000

2025-06-30

82.67%

Inst. Shares: 100,337,569

Shares Outstanding: 121,377,000

2025-03-31

82.08%

Inst. Shares: 98,526,107

Shares Outstanding: 120,043,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	99,671,360	120,498,000	82.72%
2025-12-31	100,365,178	121,309,000	82.74%
2025-09-30	98,709,086	122,116,000	80.83%
2025-06-30	100,337,569	121,377,000	82.67%
2025-03-31	98,526,107	120,043,000	82.08%
2024-12-31	101,573,121	119,783,000	84.80%
2024-09-30	94,893,126	119,818,000	79.20%
2024-06-30	95,750,555	119,726,000	79.97%
2024-03-31	94,119,525	119,662,000	78.65%
2023-12-31	95,931,924	117,603,000	81.57%
2023-09-30	95,622,317	119,506,000	80.01%
2023-06-30	92,789,599	115,774,000	80.15%
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UNITED COMMUNITY BANKS INC (UCB) — SEC Financial Statements & Analysis

UNITED COMMUNITY BANKS INC (UCB) is a state commercial banks company, incorporated in GA. UNITED COMMUNITY BANKS INC trades on NYSE as: UCB. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), UNITED COMMUNITY BANKS INC reported a 13.83% year-over-year revenue growth, a Gross Profit Margin of 61.00% (TTM), a Price-to-Sales (P/S) ratio of 3.80x (TTM), a Price-to-Book (P/B) ratio of 1.13x (TTM), at a market cap of $4.22B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 13.83%
Gross Profit Margin TTM: 61.00%
P/S TTM: 3.80x
P/B TTM: 1.13x
Market Cap: $4.22B

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is UNITED COMMUNITY BANKS INC in?

UNITED COMMUNITY BANKS INC (UCB) operates in the State Commercial Banks industry.

What is UCB's market cap?

UNITED COMMUNITY BANKS INC (UCB) has a market capitalization of $4.22B as of 2026-06-30.

What is UCB's P/E ratio?

UNITED COMMUNITY BANKS INC (UCB)'s trailing twelve month P/E ratio is 11.19x as of 2026-06-30.

What exchange does UCB trade on?

UNITED COMMUNITY BANKS INC (UCB) trades on the NYSE.

Where is UNITED COMMUNITY BANKS INC incorporated?

UNITED COMMUNITY BANKS INC is incorporated in GA.