United Community Banks, Inc.
- Open
- 35.09
- Day high
- 35.13
- Day low
- 34.74
- Prev close
- 35.18
- Volume
- 556K
- Mkt cap
- $4.2B
- P/E (TTM)
- 11.4
- EPS (TTM)
- $3.06
- P/B
- 1.1
- P/S
- 2.7
- Yield
- 1.44%
- Per share
- $0.50
- ▼Insiders net selling -$861K over the last 3 months (1 open-market buy, 3 sales)
- 🏛Institutions accumulating (13F)
United Community Banks, Inc. (UCB) is a Financial Services company listed on NYSE. The stock is up 6% over the past year. Over the trailing 3 months, insiders filed 1 open-market buy and 3 sales (SEC Form 4).
United Community Banks, Inc. (UCB) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 2 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
UCB earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Jul 21, 2026 | $0.81 | $0.71 | -12.3% | $279M | -0.3% |
| Apr 21, 2026 | $0.71 | $0.70 | -1.4% | $277M | +1.0% |
| Jan 14, 2026 | $0.73 | $0.71 | -2.7% | $295M | +7.8% |
| Oct 22, 2025 | $0.70 | $0.75 | +7.8% | $277M | +2.2% |
| Jul 23, 2025 | $0.62 | $0.66 | +6.5% | $254M | -6.2% |
| Jan 22, 2025 | $0.55 | $0.63 | +14.5% | $245M | -0.2% |
| Oct 23, 2024 | $0.58 | $0.57 | -1.4% | $211M | -12.8% |
| Jul 24, 2024 | $0.51 | $0.58 | +13.7% | $240M | +0.6% |
| Feb 23, 2024 | $0.53 | $0.12 | -77.7% | $175M | -23.2% |
| Nov 3, 2023 | $0.45 | $0.40 | -10.5% | $229M | -6.2% |
| Aug 4, 2023 | $0.63 | $0.55 | -12.6% | $231M | -4.6% |
| May 5, 2023 | $0.69 | $0.54 | -21.8% | $236M | -5.6% |
UCB insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Aug 17, 2026 | KUMLER ALAN Hofficer: SVP, Chief Accounting Officer | Tax | 514 | $36.74 |
| Aug 10, 2026 | Carande Carl Stevendirector | Buy | 2,101 | $35.35 |
| Aug 3, 2026 | Carande Carl Stevendirector | Grant | 1,588 | — |
| Jul 28, 2026 | HARRALSON JEFFERSON Lofficer: EVP, CFO | Sell | 25,000 | $35.41 |
| Jul 27, 2026 | BRADSHAW RICHARDofficer: EVP, Chief Banking Officer | Sell | 2 | $35.15 |
| Jul 27, 2026 | BRADSHAW RICHARDofficer: EVP, Chief Banking Officer | Sell | 1,422 | $35.09 |
| May 19, 2026 | KUMLER ALAN Hofficer: SVP, Chief Accounting Officer | Tax | 113 | $32.06 |
| May 14, 2026 | Davis Sally Popedirector | Grant | 2,330 | — |
| May 14, 2026 | CLEMENTS JAMES Pdirector | Grant | 2,330 | — |
| May 14, 2026 | BELL GEORGE B.director | Grant | 2,330 | — |
| May 14, 2026 | DANIELS KENNETH Ldirector | Grant | 2,330 | — |
| May 14, 2026 | Bazante Jennifer M.director | Grant | 2,330 | — |
| May 14, 2026 | RICHLOVSKY THOMAS Adirector | Grant | 2,330 | — |
| May 14, 2026 | WILKINS DAVID Hdirector | Grant | 2,330 | — |
| May 14, 2026 | JAMES JOHN MARCdirector | Grant | 2,330 | — |
Source: UCB SEC Form 4 filings, latest Aug 17, 2026. For informational purposes only — not investment advice.
See the full UCB insider & 13F page →United Community Banks, Inc. company profile
Overview
United Community Banks, Inc. (NASDAQ:UCB) is a regional banking holding company founded in 1950 and headquartered in Blairsville, Georgia. The company operates through its primary subsidiary, United Community Bank, which has grown from a small community bank into a significant regional financial institution serving the southeastern United States. Over its 75-year history, UCB has expanded through organic growth and strategic acquisitions, including the recent acquisition of American National Bank to strengthen its South Florida presence. The bank maintains a community-focused approach while offering comprehensive financial services across multiple states in the Southeast.
Business
United Community Banks operates as a traditional regional commercial bank serving customers across the southeastern United States. The banking industry functions as a financial intermediary, collecting deposits from customers and lending those funds to borrowers, earning profit from the difference between interest paid on deposits and interest earned on loans (known as net interest margin). The company's core business segments include: 1. **Traditional Banking Services** (~85% of revenue): This encompasses deposit-taking activities where customers place money in checking accounts, savings accounts, money market accounts, and certificates of deposit. The bank pays interest on these deposits and uses the funds to make loans to individuals and businesses. The lending portfolio includes residential mortgages, commercial real estate loans, commercial and industrial (C&I) loans to businesses, and consumer loans. 2. **Navitas Credit Solutions** (~10% of revenue): This is UCB's specialized lending division that provides equipment financing and other commercial lending services, often to customers outside the bank's traditional geographic footprint. Navitas focuses on higher-yield lending opportunities but carries correspondingly higher credit risk. 3. **Wealth Management and Trust Services** (~3% of revenue): These services include financial planning, investment advisory services, portfolio management, and fiduciary trust services for high-net-worth individuals and families. The bank also offers insurance products and investment services through partnerships. 4. **Other Financial Services** (~2% of revenue): This includes treasury management services for businesses, credit card services, payment processing, wire transfers, and various fee-based banking services. The bank operates primarily in Georgia, North Carolina, South Carolina, Tennessee, and Florida, focusing on small to mid-sized businesses, affluent individuals, and retail customers in growing metropolitan and suburban markets.
Revenue model
United Community Banks generates revenue through several interconnected business models typical of regional banking: **Net Interest Income** (approximately 75% of total revenue): This is the bank's primary revenue source, representing the difference between interest earned on loans and investments versus interest paid on deposits and borrowed funds. The bank collects deposits from customers at relatively low interest rates and lends these funds at higher rates to borrowers. Current loan yields average around 6.4%, while deposit costs are managed in the mid-to-high 3% range, creating a net interest margin of approximately 3.3%. **Fee-Based Income** (approximately 25% of total revenue): This includes service charges on deposit accounts, loan origination fees, wealth management fees, trust services fees, mortgage banking income, and various transaction-based fees. The bank also earns fees from SBA (Small Business Administration) and USDA loan programs where it originates government-guaranteed loans and sells the guaranteed portions. **Factors Affecting Profitability**: The bank's margins are significantly influenced by interest rate environments set by the Federal Reserve. Rising rates generally benefit banks by increasing loan yields faster than deposit costs rise, while falling rates compress margins. Competition for deposits in local markets affects funding costs, while loan demand depends on economic conditions and business confidence. Credit quality directly impacts profitability through loan loss provisions - economic downturns increase charge-offs and reduce net income. The bank's geographic concentration in the Southeast makes it sensitive to regional economic conditions, natural disasters (like Hurricane Helene), and local real estate market cycles. Regulatory changes in banking rules, capital requirements, and compliance costs also affect operational efficiency and profitability margins.
Competitive moat
United Community Banks operates in the highly competitive regional banking sector with limited sustainable competitive advantages. The company's primary defensive characteristics include: **Local Market Relationships**: UCB has established deep relationships in its Southeast markets over 75 years, particularly in smaller metropolitan areas where personal banking relationships matter more than in major cities. This provides some customer stickiness and local market knowledge advantages over larger national banks that may treat these markets as secondary priorities. **Regulatory Barriers**: Banking is a heavily regulated industry requiring significant capital and regulatory approval for new entrants, creating some barriers to entry. However, this protection applies to all existing banks and doesn't differentiate UCB specifically. **Geographic Franchise**: The bank's footprint in growing Southeast markets provides exposure to favorable demographic and economic trends, though this advantage is shared with other regional banks in similar markets. **Moderate Competitive Position**: UCB faces intense competition from larger regional banks (like Truist, Regions, SunTrust), national banks expanding into its markets, credit unions, and fintech companies offering banking services. The bank lacks significant scale advantages, unique technology platforms, or proprietary products that would create sustainable differentiation. Its Navitas lending division provides some specialization, but equipment financing is a competitive market with numerous participants. The banking industry's commodity-like nature means UCB's moat is relatively narrow. Success depends more on execution, credit discipline, and cost management rather than sustainable competitive advantages. The company is vulnerable to larger competitors with better technology resources and pricing power, as well as economic cycles that affect credit quality and loan demand.
Risks & safety
**Overall Assessment**: Moderate financial safety with typical regional bank risk profile. **Liquidity and Solvency**: - Cash and short-term investments: $520 million (1.9% of total assets) - Loan-to-deposit ratio: 78% (conservative level providing liquidity buffer) - Debt-to-equity ratio: 7.4% (low debt burden) - No immediate solvency concerns with adequate capital ratios **Valuation Metrics**: - P/E ratio: 12.8x (reasonable for regional bank) - Price-to-book ratio: 1.13x (slight premium to book value) - Tangible book value growing 9% year-over-year - Graham number suggests fair valuation around current levels **Credit and Operational Risks**: - Net charge-offs: 21 basis points (Q4 2024, lowest since Q2 2023) - Special Hurricane Helene reserve: $13 million for affected loans - Navitas portfolio showing improving but still elevated loss rates - Geographic concentration in Southeast creates natural disaster exposure - Interest rate sensitivity affects margin stability
Recent development
Over the past few years, United Community Banks has pursued several strategic initiatives to strengthen its competitive position and manage risk: **Geographic Expansion**: The bank has actively expanded its South Florida presence through the acquisition of American National Bank, adding to its footprint in a high-growth market. Management has also been hiring experienced lenders in key markets including Florida, Charlotte, and Tennessee to drive organic growth. **Portfolio Optimization**: UCB made the strategic decision to sell its manufactured housing loan portfolio in Q3 2024, accepting a one-time loss of $0.18 per share to reduce risk and improve the overall credit profile. The bank also sold its FinTrust Registered Investment Adviser business to focus on integrated wealth management services and reduce internal competition. **Operational Focus**: The company has emphasized expense management while investing in talent acquisition and market expansion. Management has maintained disciplined underwriting standards, particularly in commercial real estate lending, while focusing growth efforts on owner-occupied commercial real estate and commercial & industrial lending. **Credit Management**: Following Hurricane Helene's impact on its Southeast markets, UCB proactively increased reserves for affected loans and established payment deferral programs. The bank has also worked to improve credit quality in its Navitas portfolio, with charge-off rates trending toward more normalized levels. **Technology and Efficiency**: While not extensively detailed in recent calls, the bank continues to invest in operational improvements and technology platforms to compete effectively with larger institutions and enhance customer experience.
UCB company profile · for informational purposes only — not investment advice.
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