UCB
United Community Banks, Inc.
NYSEUSDEQUITY
Financial Services
DELAYED
Neutral
+1/100
Last price
33.40
▼ 0.41 (1.21%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
33.68
Prev close
33.81
Day high
34.14
Day low
33.64
Volume
996.17K
Market cap
$4.04B
P/E (TTM)
11.02
52W range
28.65 – 37.18
Day trading desk
Gap from prior close
-0.38%
Prior close 33.81
VWAP
—
—
Relative volume
0.00×
Quiet session
Session range
1.23%
33.30 – 33.71
Position in range
24%
Near session low
ATR (14D)
0.63
1.89% of price
Prior day high
34.21
PDH
Prior day low
33.66
PDL
Bid / ask spread
—
Quote not published
Session volume
—
Avg 857.82K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+0.36%
-1.6%
1M
-5.39%
-6.5%
3M
-2.52%
-7.0%
6M
+3.88%
-14.3%
YTD
+8.01%
-6.2%
1Y
+7.01%
-9.4%
3Y
+32.70%
-49.5%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on UCB open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+28.67K
Net buying
Buy transactions
20
56.61K shares
Sell transactions
3
27.93K shares
Net transactions
+23
Buys less sells
Sell : buy shares
0.5 : 1
Mixed
Insider-held shares
529.33K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 8, 26 | SPEIR THOMAS HARDAWAY Chief Financial Officer |
STOCK | 12.75K | $0 | Direct |
| Sep 1, 26 | KUMLER ALAN H Officer |
STOCK | 2.93K | $0 | Direct |
| Aug 10, 26 | CARANDE CARL STEVEN Director |
BUY | 2.10K | $74.27K | Direct |
| Jul 31, 26 | CARANDE CARL STEVEN Director |
STOCK | 1.59K | $0 | Direct |
| Jul 29, 26 | EDWARDS ROBERT A Officer |
STOCK | 1.50K | $0 | Direct |
| Jul 28, 26 | HARRALSON JEFFERSON L. Chief Financial Officer |
SELL | 25.00K | $885.25K | Direct |
| Jul 27, 26 | BRADSHAW RICHARD W Officer |
SELL | 1.42K | $49.97K | Direct |
| Jul 24, 26 | RICHLOVSKY THOMAS A Director |
STOCK | 2.53K | $0 | Indirect |
| Jul 24, 26 | BAZANTE JENNIFER M. Director |
STOCK | 2.53K | $0 | Indirect |
| Jul 24, 26 | JAMES JOHN MARC Director |
STOCK | 2.53K | $0 | Indirect |
| Jul 24, 26 | DANIELS KENNETH L. Director |
STOCK | 2.53K | $0 | Indirect |
| May 13, 26 | RICHLOVSKY THOMAS A Director |
STOCK | 2.33K | $0 | Direct |
| May 13, 26 | WALLIS TIM Director |
STOCK | 2.33K | $0 | Direct |
| May 13, 26 | CLEMENTS JAMES P Director |
STOCK | 2.33K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BRADSHAW RICHARD W |
Officer | 83.23K | Sale |
DANIELS KENNETH L. |
Director | — | Stock Gift |
DAVIS LUX MELINDA |
General Counsel | 43.64K | Stock Award(Grant) |
EDWARDS ROBERT A |
Officer | 57.88K | Stock Gift |
HARRALSON JEFFERSON L. |
Chief Financial Officer | 37.43K | Sale |
HARTON H LYNN |
Chief Executive Officer | — | Sale |
RICHLOVSKY THOMAS A |
Director | — | Stock Gift |
TERRY MARK AARON |
Chief Technology Officer | 26.20K | Stock Award(Grant) |
WALLIS TIM |
Director | 121.80K | Stock Award(Grant) |
WILKINS DAVID H |
Director | 21.48K | Stock Award(Grant) |
Fundamentals
Market cap$4.04B
Enterprise value$4.72B
Revenue (TTM)$1.11B
Gross profit$1.11B
EBITDA—
Net income$370.65M
EPS (TTM)$3.06
Free cash flow—
Total cash$573.59M
Total debt$1.23B
Book value / share$31.27
Shares outstanding119.76M
Float119.92M
Short % of float5.75%
Dividend yield3.08%
Beta (5Y)0.90
Valuation & profitability ratios
Trailing P/E11.02
Forward P/E10.05
PEG ratio1.67
Price / sales—
Price / book1.08
EV / revenue4.26
EV / EBITDA—
Gross margin0.00%
Operating margin50.90%
Profit margin34.09%
Return on equity10.27%
Return on assets1.32%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $1.04B | $930.04M | $871.95M | $868.13M | +11.9% |
| Operating revenue | $1.04B | $930.04M | $871.95M | $868.13M | +11.9% |
| Selling, general & admin | $383.04M | $369.57M | $355.39M | $294.48M | +3.6% |
| Pre-tax income | $422.41M | $323.01M | $232.54M | $356.00M | +30.8% |
| Tax provision | $94.32M | $70.61M | $45.00M | $78.53M | +33.6% |
| Net income | $328.10M | $252.40M | $187.54M | $277.47M | +30.0% |
| Net income to common | $318.18M | $244.63M | $180.85M | $269.13M | +30.1% |
| Basic EPS | 2.62 | 2.04 | 1.54 | 2.52 | +28.4% |
| Diluted EPS | 2.62 | 2.04 | 1.54 | 2.52 | +28.4% |
| Basic shares | 121.31M | 119.78M | 117.60M | 106.66M | +1.3% |
| Diluted shares | 121.44M | 119.90M | 117.75M | 106.78M | +1.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $395.75M | $519.87M | $1.00B | $511.85M | — | -23.9% |
| Accounts receivable | $83.56M | $85.62M | $87.78M | $72.81M | — | -2.4% |
| Property, plant & equipment | $393.71M | $394.26M | $378.42M | $298.46M | — | -0.1% |
| Goodwill & intangibles | $967.88M | $956.64M | $990.09M | $779.25M | — | +1.2% |
| Total assets | $28.00B | $27.72B | $27.30B | $24.01B | — | +1.0% |
| Current debt | — | — | — | $158.93M | $0 | — |
| Long-term debt | $120.40M | $254.15M | $324.82M | $874.66M | — | -52.6% |
| Total debt | $120.40M | $254.15M | $324.82M | $874.66M | — | -52.6% |
| Total liabilities | $24.36B | $24.29B | $24.04B | $21.31B | — | +0.3% |
| Retained earnings | $914.26M | $714.14M | $581.22M | $508.84M | — | +28.0% |
| Shareholder equity | $3.64B | $3.43B | $3.26B | $2.70B | — | +6.0% |
| Net tangible assets | $2.67B | $2.48B | $2.27B | $1.92B | — | +7.9% |
| Shares issued | 120.60M | 119.36M | 119.01M | 106.22M | — | +1.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $328.10M | $252.40M | $187.54M | $277.47M | +30.0% |
| Depreciation & amortisation | $45.95M | $40.93M | $44.96M | $46.70M | +12.3% |
| Stock-based compensation | $11.40M | $10.80M | $8.93M | $8.71M | +5.6% |
| Change in working capital | -$52.86M | -$39.98M | -$87.47M | $206.46M | -32.2% |
| Operating cash flow | $384.04M | $349.73M | $293.97M | $607.31M | +9.8% |
| Capital expenditure | -$27.58M | -$47.04M | -$72.48M | -$42.70M | +41.4% |
| Investing cash flow | $33.42M | -$991.04M | -$163.29M | -$2.02B | +103.4% |
| Share buybacks | -$135.81M | $0 | -$7.15M | $0 | — |
| Dividends paid | -$123.24M | -$118.61M | -$111.72M | -$93.76M | -3.9% |
| Financing cash flow | -$541.57M | $157.31M | $226.34M | -$258.78M | -444.3% |
| Free cash flow | $356.46M | $302.69M | $221.49M | $564.60M | +17.8% |
| End cash position | $395.75M | $519.87M | $1.00B | $646.85M | -23.9% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $272.62M | $270.37M | $272.81M | $270.88M | $254.34M | +0.8% |
| Operating revenue | $272.62M | $270.37M | $272.81M | $270.88M | $254.34M | +0.8% |
| Selling, general & admin | $103.28M | $105.92M | $100.06M | $97.57M | $94.62M | -2.5% |
| Pre-tax income | $149.17M | $108.36M | $112.68M | $118.07M | $100.50M | +37.7% |
| Tax provision | $33.53M | $24.07M | $26.22M | $26.58M | $21.77M | +39.3% |
| Net income | $115.64M | $84.29M | $86.45M | $91.49M | $78.73M | +37.2% |
| Net income to common | $114.88M | $83.74M | $85.89M | $86.14M | $76.72M | +37.2% |
| Basic EPS | 0.95 | 0.69 | 0.71 | 0.71 | 0.63 | +37.7% |
| Diluted EPS | 0.95 | 0.69 | 0.70 | 0.70 | 0.63 | +37.7% |
| Basic shares | 120.30M | 120.50M | 121.67M | 122.12M | 121.38M | -0.2% |
| Diluted shares | 120.44M | 120.72M | 121.83M | 122.25M | 121.43M | -0.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $455.10M | $493.14M | $395.75M | $613.43M | $561.00M | — | -7.7% |
| Accounts receivable | — | — | $83.56M | — | — | — | — |
| Property, plant & equipment | $394.34M | $391.88M | $393.71M | $394.54M | $396.48M | — | +0.6% |
| Goodwill & intangibles | $961.88M | $964.82M | $967.88M | $971.07M | $974.38M | — | -0.3% |
| Total assets | $29.05B | $28.18B | $28.00B | $28.14B | $28.09B | — | +3.1% |
| Current debt | $360.00M | $0 | — | $0 | $0 | $0 | — |
| Long-term debt | $820.60M | $120.50M | $120.40M | $155.25M | $155.14M | — | +581.0% |
| Total debt | $1.18B | $120.50M | $120.40M | $155.25M | $155.14M | — | +879.8% |
| Total liabilities | $25.31B | $24.52B | $24.36B | $24.55B | $24.47B | — | +3.2% |
| Retained earnings | $1.05B | $968.19M | $914.26M | $858.39M | $802.59M | — | +8.8% |
| Shareholder equity | $3.75B | $3.65B | $3.64B | $3.60B | $3.61B | — | +2.5% |
| Net tangible assets | $2.78B | $2.69B | $2.67B | $2.63B | $2.64B | — | +3.5% |
| Shares issued | 119.76M | 119.68M | 120.60M | 121.55M | 121.43M | — | +0.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $115.64M | $84.29M | $86.45M | $91.49M | $78.73M | +37.2% |
| Depreciation & amortisation | $19.12M | $19.82M | $11.84M | $10.78M | $11.88M | -3.5% |
| Stock-based compensation | $3.71M | $3.34M | $3.23M | $2.97M | $2.89M | +11.1% |
| Change in working capital | $10.80M | -$53.05M | -$56.35M | $13.80M | -$9.58M | +120.4% |
| Operating cash flow | $130.63M | $69.28M | $65.47M | $123.09M | $96.84M | +88.5% |
| Capital expenditure | -$9.21M | -$6.92M | -$5.76M | -$5.39M | -$12.12M | -33.1% |
| Investing cash flow | -$897.03M | -$45.54M | -$50.16M | -$19.56M | $159.72M | -1,869.8% |
| Share buybacks | $0 | -$37.09M | -$30.33M | -$91.54M | -$13.94M | +100.0% |
| Dividends paid | -$30.38M | -$30.59M | -$30.84M | -$31.11M | -$30.65M | +0.7% |
| Financing cash flow | $728.36M | $73.65M | -$232.99M | -$65.06M | -$318.31M | +889.0% |
| Free cash flow | $121.41M | $62.36M | $59.71M | $117.71M | $84.72M | +94.7% |
| End cash position | $455.10M | $493.14M | $395.75M | $613.43M | $574.96M | -7.7% |
Options analytics
Put / call volume
—
—
Put / call open interest
0.00
Positioning, not flow
Max pain
35.00
+3.8% from spot
ATM implied vol
6.3%
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
40.00
30 contracts
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.81 | 0.71 | -12.4% |
| Mar 2026 | 0.70 | 0.70 | 0.0% |
| Dec 2025 | 0.71 | 0.71 | -0.6% |
| Sep 2025 | 0.70 | 0.75 | +7.6% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.77 | 7 | $282.75M | +2.1% |
| Next quarter | 0.79 | 7 | $285.19M | +2.0% |
| Current year | 2.99 | 7 | $1.12B | +5.0% |
| Next year | 3.36 | 7 | $1.17B | +4.5% |
Analyst targets & ownership
Mean target$40.17
High target$42.00
Low target$38.00
Implied upside20.26%
Analyst count6
ConsensusBUY
Strong buy / Buy1 / 2
Hold4
Sell / Strong sell0 / 0
Held by insiders0.44%
Held by institutions88.91%
Institutions holding483
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
33.80
-1.17% from price
SMA 20
34.36
-1.85% from price
SMA 50
35.12
-4.00% from price
SMA 100
34.68
-3.69% from price
SMA 200
33.83
-0.32% from price
EMA 12
34.00
-1.75% from price
EMA 26
34.40
-2.92% from price
EMA 50
34.69
-3.71% from price
RSI (14)
40.7
Neutral
MACD (12,26,9)
-0.41
Hist -0.02
ATR (14)
0.63
1.87% of price
Realised vol 30D
16.2%
Annualised
Bollinger upper
35.64
20, 2σ
Bollinger lower
33.07
20, 2σ
50 / 200 cross
Golden
35.12 vs 33.83
Trend bias
Below 200
-0.32%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.57
Less volatile than market
Correlation to SPY
0.30
Loosely linked
Realised vol 30D
16.2%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-18.6%
Peak to trough
Max drawdown 5Y
-46.2%
Peak to trough
ATR 14
0.63
1.87% of price
Beta (reported)
0.90
5Y monthly, from filing
Short interest
Shares short
5.14M
Prior 4.38M
Change vs prior
+17.5%
Shorts adding
% of float
5.75%
Normal
% of shares out
4.27%
Against total outstanding
Days to cover
7.1
Crowded exit
Float
119.92M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Sep 16, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Sep 9, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Sep 9, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Jul 22, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Jun 17, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Jun 15, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Apr 28, 26 | Stephens & Co. | MAINTAINED | Overweight | Overweight |
| Apr 22, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Apr 22, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Apr 9, 26 | Keefe, Bruyette & Woods | UPGRADE | Market Perform | Outperform |
| Jan 15, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Jan 15, 26 | Stephens & Co. | MAINTAINED | Overweight | Overweight |
Dividends & splits
Forward rate$1.04 / yr
Forward yield3.08%
5-year avg yield2.91%
Payout ratio32.68%
Ex-dividend dateSep 15, 2026
Next pay dateOct 5, 2026
Last split1:5
Split dateJun 20, 2011
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-08
Corporate Changes & Voting Matters
8-K · 2026-09-01
Corporate Changes & Voting Matters
8-K · 2026-08-19
Periodic Financial Reports
10-Q · 2026-08-05
Corporate Changes & Voting Matters
8-K · 2026-08-03
Corporate Changes & Voting Matters
8-K · 2026-07-21
Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions
425 · 2026-07-17
Corporate Changes & Voting Matters
8-K · 2026-07-10
Headlines
Why United Community Banks (UCB) is a Great Dividend Stock Right Now
Zacks · 6d ago
United Community Banks, Inc. Announces Date for Third Quarter 2026 Earnings Release and Conference Call
GlobeNewswire · 7d ago
Q2 Earnings Highs And Lows: United Community Banks (NYSE:UCB) Vs The Rest Of The Regional Banks Stocks
StockStory · 7d ago
United Community Bank Foundation nears $3 million in community giving, marks milestone anniversary
PR Newswire · 8d ago
UCB data presented at 2026 AANEM Annual Meeting and MGFA Scientific Session underscore leadership in advancing targeted treatments for gMG
PR Newswire · 8d ago
3 Russell 2000 Stocks We Steer Clear Of
StockStory · 9d ago
1 Safe-and-Steady Stock with Exciting Potential and 2 That Underwhelm
StockStory · 12d ago
Why United Community Banks (UCB) is a Top Dividend Stock for Your Portfolio
Zacks · 22d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.