UCB · United Community Banks Inc
$35.75
-0.80 (-2.19%)
At close · Aug 19
Market Cap
$4.41B
Shares
120.58M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$35.75
Open$36.42
Day$35.21–36.55
52W close$28.94–37.09
Avg vol 30d915K
Short int3.9M · 3.2% float · 3.6d
Short vol75%
Last earningsJul 21, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 5
Up next
Next earnings call
Oct 20, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 5, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+8%
above
Price vs 50-day avg
+1%
above
RSI (14)
49
neutral
MACD trend
Negative
52-week position
84%
mid-range
Volume (OBV)
Bearish div.
distributing
Momentum
relative strength
1-month return
+2%
trailing
6-month return
+4%
trailing
YTD return
+15%
this year
Relative strength
−7%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $35 › 200d $33 — 50d above 200d
Institutional flow
Accumulating
+4% holders QoQ · +56 funds added
Insider flow
Distributing
Net -$860.9K over 90 days · 67% sells
Short interest
Falling
3.21% of float · ▼ -4.2% MoM · 3.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
369 holders — near 3-yr high, broad support
Squeeze score
48
elevated · 0–100
Fundamentals
Revenue growth
+12%
Y/Y
EPS growth
+28%
Y/Y
Free cash flow
$356.5M
Valuation
P/E 12
below peers
Buyback
$200.0M
authorized
Balance sheet
$108.9M
net cash
Quant / Vol
risk profile
Volatility
25%
annualized · 1-yr
Max drawdown
−19%
past year
ATR
1.9%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Mar 31, 2026
2027
EPS accretion from Peach State deal
$0.09
with planned buybacks
EPS accretion from Peach State deal (with planned buybacks)
$0.12
Prior guidance
period ended
· from the Earnings Call filed Dec 31, 2023
Yield on the securities book
· Q1
3.1%
Group medical costs (lower)
· Q1
$1.7M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+8%
Bullish
Price vs 50-day avg
+1%
Bullish
RSI (14)
49
Neutral
MACD trend
Negative
Bearish
52-week position
84%
Neutral
Volume (OBV)
Bearish div.
Bearish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $35 › 200d $33 — 50d above 200d
Institutional flow
Accumulating
+4% holders QoQ · +56 funds added
Insider flow
Distributing
Net -$860.9K over 90 days · 67% sells
Short interest
Falling
3.21% of float · ▼ -4.2% MoM · 3.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
369 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $29
Now $36 · 84%
Range high $37
vs 200-day avg +8%
vs 50-day avg +1%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| ACL - funded loans to loans | 0.94% | Second Quarter | — |
| ACL - total to loans | 1.04% | Second Quarter | — |
| Allowance for Credit Losses / Loans | 1.04% | 2Q26 | — |
| Average customer deposit growth excluding public funds annualized | 3.3% | 2Q26 | — |
| Construction loans as a % of total RBC | 43% | 2Q26 | — |
| CRE loans as a % of total RBC | 195% | 2Q26 | — |
| Cumulative non - maturity interest - bearing deposit beta | 55% | 2Q26 | — |
| Cumulative Total Deposit Beta | 39% | 2Q26 | — |
| Diluted income per common share - operating non-GAAP | $1.41 | Six Months Ended June 30, 2026 | — |
| Efficiency ratio non-GAAP | 56.7% | 2Q26 | — |
|
|
|||
| Efficiency ratio - GAAP | 57.01% | Second Quarter | — |
| Efficiency ratio - operating non-GAAP | 56.18% | Six Months Ended June 30, 2026 | — |
|
|
|||
| Equity to total assets | 12.89% | Second Quarter | — |
| Expenses - operating non-GAAP | $159.02M | 2Q26 | — |
| Higher - risk loans (special mention plus substandard accruing) | 2.5% | 2Q26 | — |
| Loan growth | 332M | Second Quarter | — |
|
|
|||
| Loan growth annualized | 6.8% | Second Quarter | — |
|
|
|||
| Loans sold | $189M | 2Q26 | — |
| Mortgage rate locks | $368M | 2Q26 | — |
|
|
|||
| Navitas loans | $1.95B | 2Q26 | — |
| Navitas net charge - offs annualized | 0.77% | 2Q26 | — |
| Navitas portfolio yield | 9.63% | 2Q26 | — |
| Net charge - offs as a % of average loans | 0.16% | 2Q26 | — |
| Net charge-offs | 7.86M | Second Quarter | — |
|
|
|||
| Net charge-offs to average loans | 0.16% | Second Quarter | — |
| Net income - operating non-GAAP | 86.4M | Second Quarter | — |
| Net interest margin (FTE) non-GAAP | 3.66% | Six Months Ended June 30, 2026 | — |
| Net interest margin (fully taxable equivalent) | 3.68% | Second Quarter | — |
|
|
|||
| Net interest-rate spread (FTE) | 2.93% | Second Quarter | — |
| Noninterest income - operating non-GAAP | $38.38M | 2Q26 | — |
GAAP → non-GAAP reconciliationGAAP Noninterest income - GAAP $38.38M
+$0K Gain on terminated cash flow hedge
= Noninterest income - operating $38.38M
|
|||
| Past due loans | 0.11% | 2Q26 | — |
| Pre-tax pre-provision income non-GAAP | $238.57M | Six Months Ended June 30, 2026 | — |
|
|
|||
| Provision for credit losses - operating non-GAAP | $8.67M | 2Q26 | — |
GAAP → non-GAAP reconciliationGAAP Provision for credit losses - GAAP -$29.8M
+$38.48M Release of ACL on equipment finance loans
= Provision for credit losses - operating $8.67M
|
|||
| Quarterly common dividend per share | $0.25 | Second Quarter | — |
|
|
|||
| Return on assets - GAAP | 1.63% | Second Quarter | — |
|
|
|||
| Return on assets - operating non-GAAP | 1.22% | Six Months Ended June 30, 2026 | — |
|
|
|||
GAAP → non-GAAP reconciliationGAAP Return on assets - GAAP 1.63%
+0% Payroll transition bonus
+0% Gain on terminated cash flow hedge
+0% FDIC special assessment accrual reversal
-0.42% Release of ACL on equipment finance loans
+0.01% Merger-related and other charges
= Return on assets - operating 1.22%
|
|||
| Return on assets - pre-tax pre-provision, excluding non-operating items non-GAAP | 1.7% | Second Quarter | — |
|
|
|||
| Return on common equity - GAAP | 12.56% | Second Quarter | — |
|
|
|||
| Return on common equity - operating non-GAAP | 9.39% | Second Quarter | — |
|
|
|||
| Return on tangible common equity - operating non-GAAP | 13.02% | Six Months Ended June 30, 2026 | — |
|
|
|||
| Tangible book value per common share non-GAAP | $23.31 | Q2 2026 | — |
GAAP → non-GAAP reconciliationGAAP Book value per common share - GAAP $31.27
-$7.96 Effect of goodwill and other intangibles
= Tangible book value per common share $23.31
|
|||
| Tangible common equity to tangible assets non-GAAP | 9.94% | Six Months Ended June 30, 2026 | — |
|
|
|||
| Total nonaccrual loans held for investment | 92M | Second Quarter | — |
| Total NPAs | 103.39M | Second Quarter | — |
| Allowance for credit losses to loans | 1.15% | First Quarter 2026 | — |
| Common Equity Tier 1 | 13.4% | First Quarter 2026 | — |
|
|
|||
| Customer deposit growth | $237M | First Quarter 2026 | — |
| Mortgage closings | $251M | First Quarter 2026 | — |
|
|
|||
| Net charge-offs as percentage of average loans annualized | 0.22% | First Quarter 2026 | — |
| Nonperforming assets | 0.35% | First Quarter 2026 | — |
| Operating efficiency ratio non-GAAP | 55.7% | First Quarter 2026 | — |
| Operating pre-tax, pre-provision return on assets non-GAAP | 1.73% | First Quarter 2026 | — |
| Operating return on tangible common equity non-GAAP | 13.1% | First Quarter 2026 | — |
| Return on assets | 1.22% | First Quarter 2026 | — |
| Return on common equity non-GAAP | 9.4% | First Quarter 2026 | — |
| Shares repurchased | 1.09M | First Quarter 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
UCB
this stock
United Community Banks Inc
|
$4.41B | +14.5% | +11.7% | 12.0 | 3.2% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| UCB | -1.8% | +2.2% | +4.1% | +0.9% | +14.5% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -1.4% | -0.7% | -7.4% | -2.1% | +1.7% |
Capital returns
Latest dividend
$0.25
/ share · ex Jun 15, 2026
Declared · upcoming
$0.26
/ share · ex Sep 15, 2026
Paid (TTM)
$1.00
/ share · 4 payouts
Dividend yield (TTM, derived)
2.80%
Buyback programs
· 2 active
· as of Jan 1, 2026
Authorized (total)
$200.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
857855
CUSIP
90984P303
13F (30d)
326 filings
320 filers
Visit website
Investor relations