UNITED COMMUNITY BANKS INC
UCB · State Commercial Banks · 119.7M shares · +10%/yr ↑ shares · EDGAR filings ↗
Reference price $33.09 · est. market cap ~$4.0B — last insider sale, 2026-04-27 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
B73United Community Banks — Southeastern regional with strong growth and cash flow.
Strengths
- Revenue +12% (85th pct), strong FCF (89th), very low leverage (15th)
Risks
- ROE 9% (40th) average
- CRE/credit and integration exposure
Notable findings
Quarterly revenue
Last 4 quarters · from SEC filings.
Key metrics
Net margin
30.9%
Return on equity
9.0%
Return on assets
1.2%
Revenue growth (QoQ)
-0.7%
Net-income growth
30.0%
Debt / equity
0.0×
Free cash flow
$356M
Tangible book value
$2.7B
Stock comp / revenue
1.1%
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-05-15 | KUMLER ALAN H | Tax withheld | 113 | $32.06 |
| 2026-05-13 | WILKINS DAVID H | Grant | 2.3K | — |
| 2026-05-13 | RICHLOVSKY THOMAS A | Grant | 2.3K | — |
| 2026-05-13 | WALLIS TIM | Grant | 2.3K | — |
| 2026-05-13 | Davis Sally Pope | Grant | 2.3K | — |
| 2026-05-13 | JAMES JOHN MARC | Grant | 2.3K | — |
| 2026-05-13 | BELL GEORGE B. | Grant | 2.3K | — |
| 2026-05-13 | Bazante Jennifer M. | Grant | 2.3K | — |
| 2026-05-13 | CLEMENTS JAMES P | Grant | 2.3K | — |
| 2026-05-13 | Mann Jennifer | Grant | 2.3K | — |
| 2026-05-13 | DANIELS KENNETH L | Grant | 2.3K | — |
| 2026-05-13 | Drummond Lance F. | Grant | 2.3K | — |
| 2026-04-27 | BRADSHAW RICHARD | Sell | 1.5K | $33.09 |
| 2026-02-18 | HARTON H LYNN | Sell | 25K | $34.64 |
| 2026-02-15 | HARRALSON JEFFERSON L | Tax withheld | 1.6K | $34.56 |
| 2026-02-15 | BRADSHAW RICHARD | Grant | 7.2K | — |
| 2026-02-15 | BRADSHAW RICHARD | Tax withheld | 2.4K | $34.56 |
| 2026-02-15 | BRADSHAW RICHARD | Tax withheld | 1.4K | $34.56 |
| 2026-02-15 | EDWARDS ROBERT A. | Grant | 4.6K | — |
| 2026-02-15 | EDWARDS ROBERT A. | Tax withheld | 1.4K | $34.56 |
| 2026-02-15 | EDWARDS ROBERT A. | Tax withheld | 1.0K | $34.56 |
| 2026-02-15 | HARTON H LYNN | Grant | 25K | — |
| 2026-02-15 | HARTON H LYNN | Tax withheld | 12K | $34.56 |
| 2026-02-15 | HARTON H LYNN | Tax withheld | 9.8K | $34.56 |
| 2026-02-15 | Terry Mark Aaron | Tax withheld | 633 | $34.56 |
| 2026-02-15 | COX ABRAHAM | Grant | 1.7K | — |
| 2026-02-15 | COX ABRAHAM | Tax withheld | 281 | $34.56 |
| 2026-02-15 | COX ABRAHAM | Tax withheld | 369 | $34.56 |
| 2026-02-15 | Berry Holly N | Grant | 1.5K | — |
| 2026-02-15 | Berry Holly N | Tax withheld | 458 | $34.56 |
| 2026-02-15 | Berry Holly N | Tax withheld | 588 | $34.56 |
| 2026-02-15 | DAVIS LUX MELINDA | Grant | 5.0K | — |
| 2026-02-15 | DAVIS LUX MELINDA | Tax withheld | 1.5K | $34.56 |
| 2026-02-15 | DAVIS LUX MELINDA | Tax withheld | 1.2K | $34.56 |
| 2026-02-15 | Terry Mark Aaron | Grant | 2.1K | — |
| 2026-02-15 | Terry Mark Aaron | Tax withheld | 523 | $34.56 |
| 2026-02-15 | HARRALSON JEFFERSON L | Grant | 6.4K | — |
| 2026-02-15 | HARRALSON JEFFERSON L | Tax withheld | 2.1K | $34.56 |
| 2026-02-12 | Berry Holly N | Grant | 2.4K | — |
| 2026-02-12 | COX ABRAHAM | Grant | 3.6K | — |
| 2026-02-12 | DAVIS LUX MELINDA | Grant | 6.7K | — |
| 2026-02-12 | Terry Mark Aaron | Grant | 3.6K | — |
| 2026-02-12 | HARRALSON JEFFERSON L | Grant | 6.7K | — |
| 2026-02-12 | BRADSHAW RICHARD | Grant | 10K | — |
| 2026-02-12 | EDWARDS ROBERT A. | Grant | 5.8K | — |
| 2026-02-12 | HARTON H LYNN | Grant | 34K | — |
| 2026-02-02 | BRADSHAW RICHARD | Sell | 1.5K | $34.17 |
| 2026-01-30 | EDWARDS ROBERT A. | Gift | 1.0K | — |
| 2026-01-30 | EDWARDS ROBERT A. | Gift | 1.0K | — |
| 2026-01-29 | EDWARDS ROBERT A. | Gift | 1.0K | — |
| 2026-01-28 | Bazante Jennifer M. | Gift | 1.9K | — |
| 2026-01-28 | Bazante Jennifer M. | Gift | 1.9K | — |
| 2026-01-23 | KUMLER ALAN H | Sell | 12K | $35.36 |
| 2026-01-23 | BRADSHAW RICHARD | Gift | 303 | — |
| 2026-01-22 | BRADSHAW RICHARD | Gift | 454 | — |
| 2026-01-22 | BRADSHAW RICHARD | Gift | 303 | — |
| 2026-01-22 | BRADSHAW RICHARD | Gift | 303 | — |
| 2025-11-15 | KUMLER ALAN H | Tax withheld | 207 | $30.24 |
| 2025-10-30 | BRADSHAW RICHARD | Gift | 530 | — |
| 2025-10-27 | BRADSHAW RICHARD | Sell | 1.7K | $30.23 |
| 2025-09-15 | HARRALSON JEFFERSON L | Other | 1.0K | $25.00 |
| 2025-09-15 | RICHLOVSKY THOMAS A | Other | 4.0K | $25.00 |
| 2025-09-03 | EDWARDS ROBERT A. | Gift | 200 | — |
| 2025-09-01 | KUMLER ALAN H | Grant | 2.0K | — |
| 2025-08-15 | BRADSHAW RICHARD | Tax withheld | 178 | $31.21 |
| 2025-08-15 | Terry Mark Aaron | Tax withheld | 53 | $31.21 |
| 2025-08-15 | EDWARDS ROBERT A. | Tax withheld | 214 | $31.21 |
| 2025-08-15 | HARTON H LYNN | Tax withheld | 1.1K | $31.21 |
| 2025-08-15 | KUMLER ALAN H | Tax withheld | 572 | $31.21 |
| 2025-08-15 | DAVIS LUX MELINDA | Tax withheld | 187 | $31.21 |
| 2025-08-15 | HARRALSON JEFFERSON L | Tax withheld | 227 | $31.21 |
| 2025-08-06 | BRADSHAW RICHARD | Gift | 328 | — |
| 2025-08-05 | BRADSHAW RICHARD | Gift | 328 | — |
| 2025-07-31 | BRADSHAW RICHARD | Gift | 328 | — |
| 2025-07-31 | BRADSHAW RICHARD | Gift | 483 | — |
| 2025-07-28 | BRADSHAW RICHARD | Sell | 2 | $30.95 |
| 2025-07-28 | BRADSHAW RICHARD | Sell | 20 | $30.97 |
| 2025-07-28 | BRADSHAW RICHARD | Sell | 1.6K | $30.94 |
| 2025-06-02 | DANIELS KENNETH L | Gift | 6.4K | — |
| 2025-06-02 | DANIELS KENNETH L | Gift | 6.4K | — |
| 2025-05-29 | DANIELS KENNETH L | Gift | 12K | — |
| 2025-05-29 | DANIELS KENNETH L | Gift | 12K | — |
| 2025-05-28 | JAMES JOHN MARC | Gift | 3.4K | — |
| 2025-05-28 | JAMES JOHN MARC | Gift | 3.4K | — |
| 2025-05-27 | RICHLOVSKY THOMAS A | Gift | 2.4K | — |
| 2025-05-27 | RICHLOVSKY THOMAS A | Gift | 2.4K | — |
| 2025-05-14 | Bazante Jennifer M. | Grant | 2.5K | — |
| 2025-05-14 | Mann Jennifer | Grant | 2.5K | — |
| 2025-05-14 | Drummond Lance F. | Grant | 2.5K | — |
| 2025-05-14 | Davis Sally Pope | Grant | 2.5K | — |
| 2025-05-14 | BELL GEORGE B. | Grant | 2.5K | — |
| 2025-05-14 | JAMES JOHN MARC | Grant | 2.5K | — |
| 2025-05-14 | WILKINS DAVID H | Grant | 2.5K | — |
| 2025-05-14 | CLEMENTS JAMES P | Grant | 2.5K | — |
| 2025-05-14 | DANIELS KENNETH L | Grant | 2.5K | — |
| 2025-05-14 | RICHLOVSKY THOMAS A | Grant | 2.5K | — |
| 2025-05-14 | WALLIS TIM | Grant | 2.5K | — |
| 2025-05-05 | BRADSHAW RICHARD | Sell | 35 | $28.16 |
| 2025-05-02 | BRADSHAW RICHARD | Sell | 1.8K | $28.00 |
| 2025-04-28 | DANIELS KENNETH L | Buy | 500 | $27.23 |
| 2025-03-14 | EDWARDS ROBERT A. | Gift | 930 | — |
| 2025-03-11 | Davis Sally Pope | Buy | 1.8K | $28.19 |
| 2025-03-07 | EDWARDS ROBERT A. | Gift | 3.4K | — |
| 2025-03-07 | EDWARDS ROBERT A. | Gift | 930 | — |
| 2025-02-19 | HARTON H LYNN | Sell | 3.3K | $33.29 |
| 2025-02-15 | HARRALSON JEFFERSON L | Tax withheld | 1.8K | $33.47 |
| 2025-02-15 | Berry Holly N | Grant | 896 | — |
| 2025-02-15 | Berry Holly N | Tax withheld | 323 | $33.47 |
| 2025-02-15 | Berry Holly N | Tax withheld | 494 | $33.47 |
| 2025-02-15 | BRADSHAW RICHARD | Grant | 5.8K | — |
| 2025-02-15 | BRADSHAW RICHARD | Tax withheld | 1.1K | $33.47 |
| 2025-02-15 | BRADSHAW RICHARD | Tax withheld | 1.0K | $33.47 |
| 2025-02-15 | EDWARDS ROBERT A. | Grant | 4.2K | — |
| 2025-02-15 | EDWARDS ROBERT A. | Tax withheld | 1.4K | $33.47 |
| 2025-02-15 | EDWARDS ROBERT A. | Tax withheld | 671 | $33.47 |
| 2025-02-15 | HARRALSON JEFFERSON L | Grant | 5.7K | — |
| 2025-02-15 | HARRALSON JEFFERSON L | Tax withheld | 1.0K | $33.47 |
| 2025-02-15 | Terry Mark Aaron | Grant | 1.7K | — |
| 2025-02-15 | Terry Mark Aaron | Tax withheld | 598 | $33.47 |
| 2025-02-15 | Terry Mark Aaron | Tax withheld | 384 | $33.47 |
| 2025-02-15 | HARTON H LYNN | Grant | 20K | — |
| 2025-02-15 | HARTON H LYNN | Tax withheld | 509 | $33.47 |
| 2025-02-15 | HARTON H LYNN | Tax withheld | 5.9K | $33.47 |
| 2025-02-15 | COX ABRAHAM | Grant | 1.0K | — |
| 2025-02-15 | COX ABRAHAM | Tax withheld | 365 | $33.47 |
| 2025-02-15 | COX ABRAHAM | Tax withheld | 494 | $33.47 |
| 2025-02-15 | DAVIS LUX MELINDA | Grant | 4.2K | — |
| 2025-02-15 | DAVIS LUX MELINDA | Tax withheld | 1.4K | $33.47 |
| 2025-02-15 | DAVIS LUX MELINDA | Tax withheld | 829 | $33.47 |
| 2025-02-10 | HARTON H LYNN | Sell | 31K | $33.84 |
| 2025-02-10 | HARTON H LYNN | Sell | 958 | $34.13 |
| 2025-02-10 | HARTON H LYNN | Grant | 33K | — |
| 2025-02-10 | Berry Holly N | Grant | 2.2K | — |
| 2025-02-10 | Terry Mark Aaron | Grant | 2.6K | — |
| 2025-02-10 | HARRALSON JEFFERSON L | Grant | 6.5K | — |
| 2025-02-10 | COX ABRAHAM | Grant | 2.6K | — |
| 2025-02-10 | DAVIS LUX MELINDA | Grant | 6.5K | — |
| 2025-02-10 | EDWARDS ROBERT A. | Grant | 5.3K | — |
| 2025-02-10 | BRADSHAW RICHARD | Grant | 10.0K | — |
| 2025-01-27 | BRADSHAW RICHARD | Sell | 1.5K | $32.72 |
| 2025-01-27 | BRADSHAW RICHARD | Sell | 3 | $32.79 |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-06-12 | Material agreementReg FDExhibits | filing ↗ |
| 2026-05-15 | Shareholder vote | filing ↗ |
| 2026-04-28 | Exec/director changeReg FDExhibits | filing ↗ |
| 2026-04-21 | ResultsReg FDExhibits | filing ↗ |
| 2026-04-21 | OtherExhibits | filing ↗ |
| 2026-01-14 | ResultsReg FDExhibits | filing ↗ |
| 2025-12-08 | OtherExhibits | filing ↗ |
| 2025-10-22 | ResultsReg FDExhibits | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-06-12 | 2026-06-11 | 0001104659-26-073197 ↗ |
| 8-K | 2026-05-15 | 2026-05-13 | 0000857855-26-000033 ↗ |
| 10-Q | 2026-05-06 | 2026-03-31 | 0000857855-26-000017 ↗ |
| 8-K | 2026-04-28 | 2026-04-28 | 0001104659-26-049821 ↗ |
| 8-K | 2026-04-21 | 2026-04-21 | 0001104659-26-045714 ↗ |
| 8-K | 2026-04-21 | 2026-04-21 | 0001104659-26-045707 ↗ |
| 10-K | 2026-02-17 | 2025-12-31 | 0000857855-26-000008 ↗ |
| 8-K | 2026-01-14 | 2026-01-14 | 0001104659-26-003548 ↗ |
| 8-K | 2025-12-08 | 2025-12-08 | 0000857855-25-000168 ↗ |
| 10-Q | 2025-11-07 | 2025-09-30 | 0000857855-25-000164 ↗ |
| 8-K | 2025-10-22 | 2025-10-22 | 0001104659-25-101399 ↗ |
| 8-K | 2025-08-15 | 2025-08-15 | 0001104659-25-079007 ↗ |