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UCB · United Community Banks Inc

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$36.74 -0.02 (-0.05%) At close · Aug 14
Market Cap
$4.43B
Shares
120.58M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$36.74 Open$36.68 Day$36.63–37.05 52W close$28.94–37.09 Avg vol 30d891K Short int3.9M · 3.2% float · 3.6d Short vol77% 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
Latest filing: 10-Q
filed Aug 5, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      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 advice
      Overall
      Strong Buy
      SellHoldBuy
      Technical Strong Buy Momentum Strong Sentiment Bullish Fundamentals Excellent Quant / Vol Low
      Market backdrop VIX 14.3 · calm Equity put/call 0.52
      Technical
      price trend
      Strong Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +11%
      above
      Price vs 50-day avg +5%
      above
      RSI (14) 63
      neutral
      MACD trend Positive
      52-week position 96%
      near high
      Momentum
      relative strength
      Strong
      1-month return +1%
      trailing
      6-month return +10%
      trailing
      YTD return +18%
      this year
      Relative strength −3%
      vs S&P · 6-mo
      Sentiment
      smart money
      Bullish
      Trend (MA cross) No cross
      50d $35 › 200d $33 — 50d above 200d
      Institutional flow Accumulating
      +3% holders QoQ · +54 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
      364 holders — near 3-yr high, broad support
      Squeeze score 49
      elevated · 0–100
      Fundamentals
      Excellent
      Revenue growth +12%
      Y/Y
      EPS growth +28%
      Y/Y
      Free cash flow $356.5M
      Valuation P/E 12.1
      below peers
      Buyback $200.0M
      authorized
      Balance sheet $108.9M
      net cash
      Quant / Vol
      risk profile
      Low
      Volatility 25%
      annualized · 1-yr
      Max drawdown −19%
      past year
      ATR 1.7%
      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 Strong Buy
      0 · 2 · 4
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +11% Bullish
      Price vs 50-day avg
      +5% Bullish
      RSI (14)
      63 Neutral
      MACD trend
      Positive Bullish
      52-week position
      96% Bullish
      Market signals — smart money & positioning
      Bullish · 3 of 6
      Trend (MA cross) No cross
      50d $35 › 200d $33 — 50d above 200d
      Institutional flow Accumulating
      +3% holders QoQ · +54 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
      364 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      Range low $29 Now $37 · 96% Range high $37
      vs 200-day avg +11% vs 50-day avg +5%

      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
      Net interest margin 3.68% Second Quarter 2026 —
      Customer deposit growth $237M First Quarter 2026 —
      Efficiency ratio 56.7% 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 —
      Pre-tax, pre-provision income $119.2M First Quarter 2026 —
      Return on common equity non-GAAP 9.4% First Quarter 2026 —
      Shares repurchased 1.09M First Quarter 2026 —
      Efficiency ratio - GAAP 55.46% FY2025 —
      Net interest margin (fully taxable equivalent) 3.52% FY2025 —
      Return on assets - GAAP 1.17% FY2025 —
      Return on assets - pre-tax pre-provision, excluding non-operating items non-GAAP 1.72% FY2025 —
      Return on common equity - GAAP 9.12% FY2025 —
      Return on tangible common equity - operating non-GAAP 13.34% FY2025 —

      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
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      UCB
      United Community Banks Inc
      this stock
      		$4.43B +17.7% +11.7% 12.1 3.2%
      MFG
      Mizuho Financial Group Inc
      		 $132.42B +48.5% — — 0.1%
      HDB
      Hdfc Bank Ltd
      		 $120.05B -36.0% +15.2% — 0.5%
      IBN
      Icici Bank Ltd
      		 $108.39B -0.2% — — 0.5%
      PNC
      Pnc Financial Services Group, Inc.
      		 $102.52B +23.1% +7.2% 14.1 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 section
      Ownership
      Institutional Holders Accumulating
      Holders
      364
      % held
      87.1%
      Net QoQ
      +3.6M sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      358
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      3.9M
      Days to cover
      3.6d
      Change
      -170.3K sh
      View
      Short Volume
      Short vol %
      77%
      As of
      Aug 14, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      880
      Value
      $31.3K
      As of
      Jul 13, 2026
      View
      Off-Exchange
      Off-exchange %
      36.2%
      Week of
      Jul 6, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$860.9K
      Buyers / Sellers
      1 / 2
      Buyers Sellers
      View
      Congressional Trades Sell
      Member
      Jefferson Shreve
      Amount
      $50.0K–$100.0K
      Traded
      May 12, 2025
      View
      Financials
      Financials
      Revenue (FY)
      $1.1B
      Net income (FY)
      $328.1M
      EPS diluted
      $2.62
      View
      Buybacks
      Authorized · 2 programs
      $200.0M
      View
      Filings
      SEC Filings
      Latest
      10-Q
      Filed
      Aug 5, 2026
      This year
      15
      View
      Proposed Sales
      Value
      $885.3K
      Shares
      25.0K
      Filed
      Jul 27, 2026
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jul 21, 2026
      View
      Investor Relations
      Latest news
      United Community Banks, Inc. Anno…
      Published
      Aug 13, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      UCB +3.5% +0.8% +10.3% +3.7% +17.7%
      SPY +0.4% +4.5% +13.8% +3.9% +13.9%
      vs SPY +3.1% -3.7% -3.5% -0.3% +3.8%

      Capital returns

      Latest dividend
      $0.25 / share · ex Jun 15, 2026
      Declared · upcoming
      $0.26 / share · ex Sep 15, 2026
      Raised 4.2%
      Paid (TTM)
      $1.00 / share · 4 payouts
      Dividend yield (TTM, derived)
      2.72%
      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) 333 filings 330 filers Visit website Investor relations

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