UNITED COMMUNITY BANKS INC
For the period ended Sep 30, 2026. Filed Nov 4, 2026.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2026 · Filed Nov 4, 2026
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Item 1A. Risk Factors
Except with respect to the additional risk factor related to the proposed Peach State merger set forth below, there have been no material changes to the risk factors previously disclosed in the 2025 10-K, except for that set forth in Item 1A. Risk Factors in our Quarterly Report on Form 10-Q for the Quarterly Period Ended June 30, 2026, which is incorporated herein by reference.
Issuer Purchases of Equity Securities
The following table contains information regarding purchases of our common stock made during the quarter ended September 30, 2026 by or on behalf of United or any “affiliated purchaser,” as defined by Rule 10b-18(a)(3) of the Exchange Act:
| Common Stock Repurchases | |||||
|---|---|---|---|---|---|
| (Dollars in thousands, except for per share amounts) · Total Number of SharesPurchased · AveragePrice Paidper Share(1)(2) · Total Number ofShares Purchasedas Part of PubliclyAnnounced Plansor Programs · Approximate DollarValue of Shares that MayYet Be Purchased Underthe Plans or Programs (2)(3) | |||||
| July 1, 2026 - July 31, 2026 | 521,832 | $35.32 | 521,832 | 44,457 | |
| August 1, 2026 - August 31, 2026 | 873,268 | $36.10 | 873,268 | 12,906 | |
| September 1, 2026 - September 30, 2026 | — | — | — | 112,906 | |
| Total | 1,395,100 | 35.81 | 1,395,100 | ||
(1)Excludes commissions.
(2)Excludes excise tax on share repurchases.
(3) Under United’s common stock repurchase program, as amended to date, as of the end of the period covered by this Report, management had authorization to repurchase up to $113 million of its common stock. The program currently is scheduled to expire on the earlier of the repurchase of our common stock having an aggregate purchase price of $113 million or December 31, 2027. See Note 14 in the Notes to the Financial Statements for further detail. Under the program, shares may be repurchased in open market transactions or in privately negotiated transactions, from time to time, subject to market conditions, including transactions outside the safe harbor provided by Exchange Act Rule 10b-18 (but nevertheless adhering to Rule 10b-18’s requirements). The repurchase program may be modified, suspended or discontinued at any time at the Company’s discretion without prior notice, and does not commit the Company to repurchase shares of its common stock. The actual number and value of the shares to be purchased will be determined by the Company at its discretion, and will depend on a number of factors including the market price of United’s common stock, general market and economic conditions, the availability of alternative investment opportunities and other factors the Company deems appropriate.
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