United Community Banks Inc (UCB)
United Community Banks Inc brought in $822.2M of revenue over the twelve months to September 30, 2026, down 20.6% from a year earlier. Net income was $146.6M, a net margin of 17.8%. Operating cash flow minus capital spending left $356.5M of free cash flow in fiscal 2025. At September 30, 2026 it held $781.6M in cash against $39.7M of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 4, 2026.
Key facts about United Community Banks Inc
- Net worth
- United Community Banks Inc has a market value (market cap) of $4.5B at the latest share price, and shareholders' equity of $3.5B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Revenue and profit
- In fiscal 2025 revenue was $1.1B (+11.7% year on year), with net income of $328.1M. Over the 12 months to September 30, 2026: revenue $822.2M, net income $146.6M.
- Cash flow
- In fiscal 2025 operations brought in $384M of cash; after $27.6M of capital spending, free cash flow was $356.5M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 4, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- United Community Banks Inc's next report is expected around January 19, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- United Community Banks Inc declared dividends of $0.98 per share in fiscal 2025, a yield of 2.62% at the current price.
What United Community Banks Inc does
United Community Banks Inc is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NYSE under the ticker UCB.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $1.1B | $328.1M | $2.62 | $356.5M |
| 2024 | $952.1M | $252.4M | $2.04 | $302.7M |
| 2023 | $893.2M | $187.5M | $1.54 | $221.5M |
| 2022 | $826.2M | $277.5M | $2.52 | $564.6M |
| 2021 | $744.4M | $269.8M | $2.97 | $332.8M |
| 2020 | $577.4M | $164.1M | $1.91 | $140.2M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where UCB ranks in Finance
Dividends
United Community Banks Inc declared $0.98 per share in fiscal 2025. At the current price that is a yield of 2.62%. It paid out $118.5M in cash dividends, 36% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.98 | $118.5M | 36% |
| 2024 | $0.94 | $112.3M | 44% |
| 2023 | $0.92 | $105.1M | 56% |
| 2022 | $0.86 | $86.9M | 31% |
| 2021 | $0.78 | $66.9M | 25% |
| 2020 | $0.72 | $58.9M | 36% |
Latest SEC filings
What United Community Banks Inc has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 4, 2026
- October 28, 2026Form 13F-NT filing 13F-NT
- October 20, 2026
- September 8, 2026
- September 8, 2026
- September 1, 2026Other event 8-K
- August 19, 2026
- August 13, 2026Form 13F-NT filing 13F-NT
- August 6, 2026Passive stake changed SCHEDULE 13G/A
- August 5, 2026Quarterly report 10-Q · period to June 30, 2026Revenue rose 7.3% to $279.3M versus the same quarter last year; diluted EPS $0.95 versus $0.63.
What is UCB worth? A DCF from its reported cash flow
Insider trades
What the people running United Community Banks Inc did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $50K worth of shares in the last 90 days and bought none on the open market. All of the selling was pre-planned under Rule 10b5-1 trading plans.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| October 29, 2026 | Bradshaw RichardEVP, Chief Banking Officer | Gave as a gift | 395 | - |
| October 26, 2026 | Bradshaw RichardEVP, Chief Banking Officer | Soldpre-planned (10b5-1) | 1,339 | $49.8K |
| October 26, 2026 | Bradshaw RichardEVP, Chief Banking Officer | Soldpre-planned (10b5-1) | 6 | $221.9 |
| September 8, 2026 | Speir Thomas HardawayEVP, CFO | Received as pay | 12,752 | - |
| September 1, 2026 | Kumler Alan HSVP, Chief Accounting Officer | Received as pay | 2,932 | - |
| August 15, 2026 | Kumler Alan HSVP, Chief Accounting Officer | Shares withheld for tax | 514 | $18.9K |
| August 10, 2026 | Carande Carl StevenDirector | Bought | 2,101 | $74.3K |
| August 1, 2026 | Carande Carl StevenDirector | Received as pay | 1,588 | - |
Who owns UCB
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Vanguard Portfolio Management13G, passive | 6.77% | April 29, 2026 |
| Fmr LLC13G, passive with 1 related filers | 6.7% | August 6, 2026 |
| Vanguard Capital Management13G, passive | 5.28% | April 30, 2026 |
| Dimensional Fund Advisors LP13G, passive | 5.1% | January 23, 2025 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 372 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 17,508,114 | -353,522 |
| Vanguard Portfolio Management LLC | 8,117,742 | +72,750 |
| Fmr LLC | 8,027,052 | -923,183 |
| Dimensional Fund Advisors LP | 6,641,192 | +121,060 |
| State Street Corp | 6,538,953 | +305,992 |
| Vanguard Capital Management LLC | 5,421,389 | +45,200 |
| Neuberger Berman Group LLC | 3,519,022 | +28,254 |
| Earnest Partners LLC | 3,232,896 | -124,179 |
| Geode Capital Management, LLC | 3,118,742 | +140,353 |
| Invesco Ltd. | 2,214,478 | +440,073 |
| Goldman Sachs Group Inc | 1,773,844 | -91,693 |
| Snyder Capital Management L P | 1,640,886 | -41,963 |
| Nomura Asset Management International Inc. | 1,606,581 | -118,040 |
| Bank of New York Mellon Corp | 1,572,963 | +256,712 |
| Norges Bank | 1,523,614 | new |
| Charles Schwab Investment Management Inc | 1,501,475 | +11,096 |
| Northern Trust Corp | 1,443,555 | +130,771 |
| Vaughan Nelson Investment Management, L.P. | 1,434,797 | +349,272 |
| Massachusetts Financial Services Co | 1,406,300 | +154,043 |
| Qube Research & Technologies Ltd | 1,102,640 | +710,757 |
Insiders
22 insiders reported holding 864,574 shares in total, about $32.4M at the last price.
| Holder | Shares |
|---|---|
| Harton H LynnPresident & CEO, Director | 336,82884,123 held indirectly |
| Bradshaw RichardEVP, Chief Banking Officer | 81,659 |
| Edwards Robert A.EVP, Chief Risk Officer | 57,877 |
| Davis Lux MelindaEVP, CAO & GC | 43,637 |
| Richlovsky Thomas ADirector | 40,38538,055 held indirectly |
| Harralson Jefferson LEVP, CFO | 37,433 |
| Wallis TimDirector | 30,385 |
| Terry Mark AaronEVP, Chief Information Officer | 26,200 |
| Daniels Kenneth LDirector | 25,42423,094 held indirectly |
| Kumler Alan HSVP, Chief Accounting Officer | 23,612 |
Questions about UCB
What does United Community Banks Inc do?
United Community Banks Inc is a company in the Finance sector, listed on NYSE as UCB. Its shares trade on NYSE under the ticker UCB.
What is United Community Banks Inc's net worth?
United Community Banks Inc has a market value (market cap) of $4.5B at the latest share price, and shareholders' equity of $3.5B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is United Community Banks Inc profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $146.6M on revenue of $822.2M, a net margin of 17.8%.
How much revenue does United Community Banks Inc make?
Over the twelve months to September 30, 2026 United Community Banks Inc reported revenue of $822.2M. That is 20.6% less than a year earlier.
When did United Community Banks Inc last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 4, 2026. It covers the period to September 30, 2026.
When is United Community Banks Inc's next earnings report?
United Community Banks Inc's next report is expected around January 19, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does United Community Banks Inc pay a dividend?
Yes. United Community Banks Inc declared dividends of $0.98 per share in fiscal 2025, a yield of 2.62% at the current price.
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Where the numbers come from
Financial figures are the values United Community Banks Inc tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.