UCB
United Community Banks, Inc.NYSE
Financial Services • Banks - Regional
Factor tilt: Mid-Cap Blend
$36.99+0.08%
Close Nov 6, 2026
- Market cap
- $4.43B
- 1 month
- +10.2%
- 3 months
- +4.5%
- 1 year
- +25.6%
- 52-week range
- $28.94$37.66
- Dividend, last 12 mo
- $1.01 · 2.73% yield
- Last ex-date
- Sep 15, 2026 · $0.26
- Dividend growth
- 1+ year in a row
- Short interest
- 5.5M sharessettled Oct 15, 2026 · +1.9% since Sep 30, 2026 · FINRA
Fundamentals · trailing 12 months to Sep 30, 2026
- Revenue
- $1.26B
- Net income
- —
- Free cash flow
- —
- Book value
- $3.51B
- Total debt
- —
- P/E
- —
- Price / sales
- 3.5×
- Price / book
- 1.3×
- FCF yield
- —
- Net margin
- —
EODHD (TTM) · as of Nov 6, 2026
End-of-day close from stored market data, not a live quote.
About United Community Banks, Inc.
United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts.
Read more
It also provides loans comprising owner occupied and income producing CRE, commercial and industrial, equipment financing, residential mortgage, home equity, manufactured housing, and consumer loans, as well as commercial and residential construction and land. In addition, the company offers private banking, investment management, investment advice, financial planning services, estate and retirement planning, and insurance products; non-deposit investment products and insurance products, such as life insurance, long-term care insurance and tax-deferred annuities; and trust services to manage fiduciary assets. Further, it provides reinsurance on property insurance contracts and payment processing services for commercial and small business customers. The company serves the commercial, retail, government, education, energy, health care, and real estate sectors. United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina.
- Website
- ucbi.com
- Headquarters
- Greenville, SC, United States
- Employees
- 3,141
- Listed
- Mar 18, 2002
- Fiscal year ends
- December
Company profile from EODHD, stored Oct 23, 2026.
Quarterly results
The last 8 fiscal quarters as reported (EODHD). Year over year compares the same quarter a year earlier. Gross margin and operating income are not shown for a bank or insurer.
| Quarter | Revenue | YoY | Net income |
|---|---|---|---|
| Sep 2026filed Oct 20, 2026 | $99.4M | -74.6% | -$139.7M |
| Jun 2026filed Aug 5, 2026 | $382.8M | +1.7% | $115.6M |
| Mar 2026filed May 6, 2026 | $377.7M | +3.1% | $84.3M |
| Dec 2025filed Feb 17, 2026 | $403.5M | +6.3% | $86.5M |
| Sep 2025filed Nov 7, 2025 | $391.1M | +11.6% | $91.5M |
| Jun 2025filed Aug 8, 2025 | $376.2M | -0.7% | $78.7M |
| Mar 2025filed May 9, 2025 | $366.3M | -1.4% | $71.4M |
| Dec 2024filed Feb 27, 2025 | $379.6M | +22.3% | $75.8M |
Fiscal years · last 6
| Fiscal year | Revenue | YoY | Net income |
|---|---|---|---|
| Dec 2025filed Feb 17, 2026 | $1.5B | +3.8% | $328.2M |
| Dec 2024filed Feb 27, 2025 | $1.5B | +14.6% | $252.4M |
| Dec 2023filed Feb 23, 2024 | $1.3B | +39.0% | $187.5M |
| Dec 2022filed Feb 24, 2023 | $928.9M | +29.7% | $277.5M |
| Dec 2021filed Feb 25, 2022 | $716.3M | +3.0% | $269.8M |
| Dec 2020filed Feb 25, 2021 | $695.6M | +8.5% | $164.1M |
Short-interest history
FINRA reports open short positions for a settlement date. The publication date is later. These are reported positions, with a separate date for each observation.
Compare the reported short exposure around the dates you bought, sold or watched UCB. A long position benefits from price rises; a short position benefits from falls. A change in these counts does not predict either move.
Settlement Oct 15, 2026
5,483,044 shares short
+104,551 shares (+1.9%) vs Sep 30, 2026
Share of float unavailable. Published Oct 26, 2026.
Settlement Sep 30, 2026
5,378,493 shares short
+233,620 shares (+4.5%) vs Sep 15, 2026
4.5% of the stored float. Published Oct 9, 2026.
Settlement Sep 15, 2026
5,144,873 shares short
+666,621 shares (+14.9%) vs Aug 31, 2026
4.3% of the stored float. Published Sep 24, 2026.
Settlement Aug 31, 2026
4,478,252 shares short
+98,148 shares (+2.2%) vs Aug 14, 2026
3.8% of the stored float. Published Sep 10, 2026.
Settlement Aug 14, 2026
4,380,104 shares short
+509,711 shares (+13.2%) vs Jul 31, 2026
3.7% of the stored float. Published Aug 25, 2026.
Settlement Jul 31, 2026
3,870,393 shares short
-170,338 shares (-4.2%) vs Jul 15, 2026
3.3% of the stored float. Published Aug 11, 2026.
Change = this settlement’s shares short − the previous recorded settlement’s shares short; percentage change divides by that earlier count. A zero earlier count has no percentage change. Split-spanning counts are left uncompared. Float percentages use the stored settlement observation, not today’s float.
Source: stored FINRA equity short-interest records, up to six settlements from the last 240 days. FINRA data and reporting dates · How to read short interest
Dividends and stock splits
See the recorded cash amounts and dates behind UCB’s income, and the splits that change its share count. Dates below are stored event records, not confirmation of a payment to your account.
Cash-dividend records
USD 0.26 per share
Ex-dividend date: Sep 15, 2026
Recorded pay date: Oct 5, 2026 (past date)
Cash dividend · Polygon event record
USD 0.25 per share
Ex-dividend date: Jun 15, 2026
Recorded pay date: Jul 3, 2026 (past date)
Cash dividend · Polygon event record
USD 0.25 per share
Ex-dividend date: Mar 13, 2026
Recorded pay date: Apr 3, 2026 (past date)
Cash dividend · Polygon event record
USD 0.25 per share
Ex-dividend date: Dec 15, 2025
Recorded pay date: Jan 5, 2026 (past date)
Cash dividend · Polygon event record
USD 0.25 per share
Ex-dividend date: Sep 15, 2025
Recorded pay date: Oct 3, 2025 (past date)
Cash dividend · Polygon event record
USD 0.24 per share
Ex-dividend date: Jun 13, 2025
Recorded pay date: Jul 3, 2025 (past date)
Cash dividend · Polygon event record
Up to six Polygon cash-dividend events, including recorded ex-dates within the next 120 days. Amounts retain their recorded currency and decimal precision. Historical amounts are not restated to a common split basis, annualized, or converted to dollars.
For a long holding, compare the ex-date with when you held the shares and check the pay date against your broker’s cash history. Owning the stock today does not establish past entitlement. For a short holding, a dividend can create a payment obligation to the share lender.
Ex-dates and special dividend rules · Short-sale dividend obligations · Dividend data definitions
Split history
1 for 5 · reverse split
Effective Jun 20, 2011
Each 5 pre-split shares become 1 post-split share.
Source: EODHD
10077 for 10000 · forward split
Effective Sep 8, 2009
Each 10000 pre-split shares become 10077 post-split shares.
Source: EODHD
10077 for 10000 · forward split
Effective Mar 9, 2009
Each 10000 pre-split shares become 10077 post-split shares.
Source: EODHD
10077 for 10000 · forward split
Effective Dec 8, 2008
Each 10000 pre-split shares become 10077 post-split shares.
Source: EODHD
10077 for 10000 · forward split
Effective Sep 3, 2008
Each 10000 pre-split shares become 10077 post-split shares.
Source: EODHD
3 for 2 · forward split
Effective Apr 29, 2004
Each 2 pre-split shares become 3 post-split shares.
Source: EODHD
Up to six stored split dates through Nov 7, 2026. Equivalent vendor ratios are combined; conflicting ratios are left out. This history may be incomplete.
A split changes the share count and per-share price basis; it does not by itself add investment value. Put your holding’s earlier and later share counts on the same basis before comparing them. This applies to both long shares and shares owed on a short position.
How stock splits workPortfolio context
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Smart money context
Holder IQ: MEDIUM
30 smart-money holders: institutions with a high Holder IQ
Q2 2026, filed Oct 30, 2026
Smart-money 13F trend: accumulating (heavy)
Unlock crowding heatmapUnlock filer discoveryInsider context
Sentiment: neutral
Last trade: sell 12 days ago
Read the insider context evidence
What it means for you
Sign in to read your holdings or watchlist context. No personal position or direction is inferred.
What happened
Stored recent-activity label: neutral. This context label is separate from the scored insider signal read.
Why it can matter
A count of reported activity describes a sample, not purchase conviction, an insider’s intent or a future price move. Neutral is not an all-clear, and absent direction is not neutral evidence.
How we got this
The current context rule reads at most 50 nonduplicate issuer/share-class records filed in the last 90 days. It counts a bullish direction or purchase code P toward bullish, and a bearish direction or sale code S toward bearish. A side must exceed the opposite count by more than two to set its label; otherwise nonzero directional counts produce neutral. Calculation unavailable for this saved label: its counts, exact records, as-of time and rule version are not supplied here. Do not substitute the separate scored read’s different window or denominator.
Where the data comes from
Stored SEC Forms 3/4/5 insider-signal records, ordered by filing date with amendment duplicates excluded. Filing date is not transaction date. The last-trade line locates recent reported activity; it does not date or reconstruct the complete count.
Red flags: 0
Read the insider context evidence
What it means for you
Sign in to read your holdings or watchlist context. No personal position or direction is inferred.
What happened
Stored recent-activity label: neutral. This context label is separate from the scored insider signal read.
Why it can matter
A count of reported activity describes a sample, not purchase conviction, an insider’s intent or a future price move. Neutral is not an all-clear, and absent direction is not neutral evidence.
How we got this
The current context rule reads at most 50 nonduplicate issuer/share-class records filed in the last 90 days. It counts a bullish direction or purchase code P toward bullish, and a bearish direction or sale code S toward bearish. A side must exceed the opposite count by more than two to set its label; otherwise nonzero directional counts produce neutral. Calculation unavailable for this saved label: its counts, exact records, as-of time and rule version are not supplied here. Do not substitute the separate scored read’s different window or denominator.
Where the data comes from
Stored SEC Forms 3/4/5 insider-signal records, ordered by filing date with amendment duplicates excluded. Filing date is not transaction date. The last-trade line locates recent reported activity; it does not date or reconstruct the complete count.
Largest 13-F holders · Q2 2026
373 filers reported a long position in UCB for Q2 2026. 13-F holdings are filed up to 45 days after the quarter ends.
The top 10 hold
61.1%
of the 105.3M shares 13-F filers reported
Moves vs Q1 2026
7 added3 trimmed
Net shares held
-0.4%
across the 10 holders with a comparable Q1 2026 book
| Rank | Holder | Value | Shares | Shares vs Q1 2026 |
|---|---|---|---|---|
| 1 | BlackRock, Inc. | $614.4M · 17.5M shares | 17.5M | -2% |
| 2 | VANGUARD PORTFOLIO MANAGEMENT LLC | $284.9M · 8.1M shares | 8.1M | +0.9% |
| 3 | FMR LLC | $281.7M · 8M shares | 8M | -10.3% |
| 4 | DIMENSIONAL FUND ADVISORS LP | $233M · 6.6M shares | 6.6M | +1.9% |
| 5 | STATE STREET CORP | $231.1M · 6.5M shares | 6.5M | +4.9% |
| 6 | VANGUARD CAPITAL MANAGEMENT LLC | $190.2M · 5.4M shares | 5.4M | +0.8% |
| 7 | Neuberger Berman Group LLC | $123.5M · 3.5M shares | 3.5M | +0.8% |
| 8 | EARNEST PARTNERS LLC | $113.4M · 3.2M shares | 3.2M | -3.7% |
| 9 | GEODE CAPITAL MANAGEMENT, LLC | $109.5M · 3.1M shares | 3.1M | +4.7% |
| 10 | Invesco Ltd. | $77.7M · 2.2M shares | 2.2M | +24.8% |
Sign in to see each holder’s Holder IQ, factor-adjusted Holder IQ and rank, and compare these holders with all scored filers. Available on every plan.
Sign in5% holder filings (13D / 13G)
Holders of more than 5% of UCB file with the SEC within days. A 13D holder may seek to influence the company; a 13G holder is passive. Each holder’s latest filing from the last three years.
| Filed | Holder | % of class |
|---|---|---|
| Aug 6, 2026 | FMR LLC13G · passive · amended | 6.7% |
| May 12, 2026 | STATE STREET CORP13G · passive | 5.2% |
| Apr 30, 2026 | VANGUARD CAPITAL MANAGEMENT LLC13G · passive | 5.28% |
| Apr 29, 2026 | VANGUARD PORTFOLIO MANAGEMENT LLC13G · passive | 6.77% |
| Mar 27, 2026 | VANGUARD GROUP INC13G · passive · amended | 0%under 5% |
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