UCB
United Community Banks, Inc.
NYSEUSDEQUITY
Financial Services
DELAYED
Last price
35.54
▲ 0.01 (0.02%)
MARKET · —
Price
Open
35.57
Prev close
35.53
Day high
35.91
Day low
35.28
Volume
487.71K
Market cap
$4.26B
P/E (TTM)
11.63
52W range
28.65 – 37.18
Trailing performance
Returnvs SPY
1W
-3.16%
-1.8%
1M
+1.98%
-1.8%
3M
+6.91%
+3.8%
6M
+2.42%
-8.6%
YTD
+13.97%
+1.7%
1Y
+13.78%
-6.2%
3Y
+28.03%
-46.1%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$4.26B
Enterprise value$4.95B
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 float4.37%
Dividend yield2.92%
Beta (5Y)0.83
Valuation & profitability ratios
Trailing P/E11.63
Forward P/E11.03
PEG ratio1.67
Price / sales—
Price / book1.14
EV / revenue4.47
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 |
|---|---|---|---|---|
| Total revenue | $1.07B | $981.23M | $893.25M | $890.06M |
| Cost of revenue | $0 | $0 | $0 | $0 |
| Gross profit | $0 | $0 | $0 | $0 |
| R&D | — | — | — | — |
| SG&A | — | — | — | — |
| Operating income | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax provision | $0 | $0 | $0 | $0 |
| Net income | $318.18M | $244.63M | $180.85M | $269.13M |
| EBIT | $0 | $0 | $0 | $0 |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Cash & equivalents | — | — | — | — |
| Short-term investments | — | — | — | — |
| Net receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Total current assets | — | — | — | — |
| Total assets | — | — | — | — |
| Total current liabilities | — | — | — | — |
| Long-term debt | — | — | — | — |
| Total liabilities | — | — | — | — |
| Retained earnings | — | — | — | — |
| Shareholder equity | — | — | — | — |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Net income | $318.18M | $244.63M | $180.85M | $269.13M |
| Depreciation | — | — | — | — |
| Change in working capital | — | — | — | — |
| Operating cash flow | — | — | — | — |
| Capital expenditure | — | — | — | — |
| Investing cash flow | — | — | — | — |
| Dividends paid | — | — | — | — |
| Buybacks | — | — | — | — |
| Financing cash flow | — | — | — | — |
| Net change in cash | — | — | — | — |
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 | 0.75 | 6 | $278.60M | +0.6% |
| Next quarter | 0.75 | 7 | $275.62M | -1.4% |
| Current year | 2.92 | 6 | $1.11B | +3.6% |
| Next year | 3.23 | 7 | $1.14B | +3.4% |
Analyst targets & ownership
Mean target$39.17
High target$40.00
Low target$37.00
Implied upside10.21%
Analyst count6
ConsensusBUY
Strong buy / Buy1 / 2
Hold4
Sell / Strong sell0 / 0
Held by insiders0.43%
Held by institutions89.44%
Institutions holding485
Price targets, consensus spread, insider and institutional ownership.
Insider net activity
Net shares
+12.99K
Net buying
Buy transactions
18
40.92K shares
Sell transactions
3
27.93K shares
Net transactions
+21
Buys less sells
Sell : buy shares
0.7 : 1
Mixed
Insider-held shares
516.06K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| 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 | DANIELS KENNETH L. 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 | RICHLOVSKY THOMAS A Director |
STOCK | 2.53K | $0 | Indirect |
| May 13, 26 | CLEMENTS JAMES P Director |
STOCK | 2.33K | $0 | Direct |
| May 13, 26 | BAZANTE JENNIFER M. Director |
STOCK | 2.33K | $0 | Direct |
| May 13, 26 | BELL GEORGE B. Director |
STOCK | 2.33K | $0 | Direct |
| May 13, 26 | JAMES JOHN MARC Director |
STOCK | 2.33K | $0 | Direct |
| May 13, 26 | DAVIS SALLY POPE 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 | 59.38K | Stock Award(Grant) |
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) |
Moving averages & technicals
SMA 10
36.15
-1.69% from price
SMA 20
35.90
-0.88% from price
SMA 50
35.34
+0.67% from price
SMA 100
34.26
+3.73% from price
SMA 200
33.22
+7.10% from price
EMA 12
35.98
-1.22% from price
EMA 26
35.79
-0.70% from price
EMA 50
35.31
+0.65% from price
RSI (14)
47.5
Neutral
MACD (12,26,9)
0.19
Hist -0.09
ATR (14)
0.61
1.71% of price
Realised vol 30D
17.9%
Annualised
Bollinger upper
36.87
20, 2σ
Bollinger lower
34.92
20, 2σ
50 / 200 cross
Golden
35.34 vs 33.22
Trend bias
Above 200
+7.10%
Risk profile
Beta vs SPY
0.59
Less volatile than market
Correlation to SPY
0.30
Loosely linked
Realised vol 30D
17.9%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-18.6%
Peak to trough
Max drawdown 5Y
-46.2%
Peak to trough
ATR 14
0.61
1.71% of price
Beta (reported)
0.83
5Y monthly, from filing
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.
Options analytics
Put / call volume
2.00
Put-heavy session
Put / call open interest
0.13
Positioning, not flow
Max pain
30.00
-15.7% from spot
ATM implied vol
48.6%
Nearest strike to spot
Skew (10% OTM)
+2.1%
Puts bid over calls
Call volume
1
Contracts, this expiry
Put volume
2
Contracts, this expiry
Heaviest call OI
35.00
44 contracts
Heaviest put OI
30.00
6 contracts
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.
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.
Headlines
2 Momentum Stocks Worth Investigating and 1 We Avoid
StockStory · 3d ago
Leadership Investment: Director Carande Acquires 2,101 Shares of United Community Banks
Motley Fool · 3d ago
4 Stocks Defying Geopolitical Headwinds With Recent Dividend Hikes
Zacks · 3d ago
United Community Banks Names Tom Speir CFO
MT Newswires · 3d ago
United Community Names Tom Speir as New Chief Financial Officer
PR Newswire · 3d ago
United Community Banks Names Sean Simpson as Chief Commercial Banking Officer
MT Newswires · 9d ago
United Community Names Sean Simpson Chief Commercial Banking Officer
PR Newswire · 9d ago
United Community Banks, Inc. Announces Quarterly Cash Dividend on Common Stock
GlobeNewswire · 9d 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.