United Community Banks (UCB)
Runs a Southeastern relationship bank with mortgage, wealth and nationwide SBA lending.
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Takes deposits and makes commercial, residential and consumer loans across six Southeastern states, supplemented by mortgage banking, wealth management and nationwide government-guaranteed small-business lending. Navitas equipment finance remains in the group under a pending sale agreement.
Operates a relationship-focused banking franchise across Alabama, Florida, Georgia, North Carolina, South Carolina and Tennessee, taking deposits and making commercial, residential and consumer loans. Mortgage banking, wealth management and nationwide SBA and USDA lending add fee and interest income; Navitas equipment finance remains part of the group pending its announced sale.
Pairs local decision-making with centralized products and support, and has expanded through acquisitions and organic growth. The completed Peach State combination deepens the franchise in northern Georgia, while the planned Navitas divestiture concentrates resources on core Southeastern markets.
Revenue is driven mainly by the spread between interest earned on loans and securities and interest paid on deposits, with fees providing a smaller contribution. All activities are reported in a single Community Banking segment and operate under federal and state banking supervision.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Sep 9, 2026 | DA Davidson | Reiterate | Rating: —Target: $40 | Target: $42 |
| Jul 22, 2026 | Piper Sandler | Reiterate | Rating: —Target: $35 | Target: $37 |
| Jun 17, 2026 | Piper Sandler | Reiterate | Rating: —Target: — | Target: $35 |
| Jun 15, 2026 | DA Davidson | Reiterate | Rating: —Target: $39 | Target: $40 |
| Apr 28, 2026 | Stephens | Target | Target: $39 | Target: $40 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $4.24B · Total debt $380.6M · Total assets $29.05B · Shareholders' equity $3.75B
- Revenue
- $382.8M
- Operating income
- $138.3M
- Net income
- $115.6M
HistoryDividendAnnual yield
| Institutions | 88.60% | 106.83M shares | |
|---|---|---|---|
| 372 holders · as of Jun 30, 2026 | |||
| Insiders | 0.72% | 866.1K shares | |
| 22 holders · as of Sep 9, 2026 | |||
| Other | 10.68% | 12.88M shares | |
| remainder | |||
120.58M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 14.52% | 17.51M | as of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 6.73% | 8.12M | as of Jun 30, 2026 |
FMR LLCInstitution | 6.66% | 8.03M | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 5.51% | 6.64M | as of Jun 30, 2026 |
State Street CorpInstitution | 5.42% | 6.54M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 10, 2026 | Carl Steven Carande | director | +2,101 | $35.35 |
| Jul 28, 2026 | Jefferson L. Harralson | officer: EVP, CFO | −25,000 | $35.41 |
| Jul 27, 2026 | Richard Bradshaw | officer: EVP, Chief Banking Officer | −1,424 | $35.09 |
| Apr 27, 2026 | Richard Bradshaw | officer: EVP, Chief Banking Officer | −1,510 | $33.09 |
| Feb 18, 2026 | H. Lynn Harton | director, officer: President & CEO | −25,000 | $34.64 |
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| United Community Banks | $34.39 | −0.59% | $4.14B | 11.3 | 10.9 | 2.7 | +9.8% |
| SouthState | $102.82 | −0.28% | $10.00B | 10.8 | 10.5 | 3.1 | +1.2% |
| Ameris Bancorp | $83.05 | +0.06% | $5.59B | 15.0 | 12.3 | 3.3 | +5.5% |
| Pinnacle Financial Partners | $95.35 | −1.18% | $14.57B | 11.9 | 8.8 | 3.0 | +145.2% |
| First Horizon | $23.47 | −1.92% | $11.36B | 11.4 | 10.8 | 2.5 | +9.9% |
| Truist Financial | $47.96 | −2.13% | $61.05B | 11.6 | 10.2 | 2.0 | +6.5% |
| Renasant | $40.12 | −1.00% | $3.70B | 12.1 | 10.5 | 3.0 | +2.5% |
| Median | 11.7 | 10.5 | 3.0 | +6.0% |