UCB UNITED COMMUNITY BANKS INC

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business model: Regional banking services focusing on community-based financial solutions
• • New emphasis on stock repurchase program renewed for 2026, authorizing up to $100 million in common stock repurchases
• • Strategic move to sustain shareholder returns amid market volatility via aggressive share buyback program
• • $29.84 average repurchase price for 1,003,649 shares bought in November 2025 under the 2025 repurchase plan
• • Cumulative total shareholder return flat at $128 from 2024 to 2025, underperforming NYSE (151) and KBW Nasdaq Regional Banking Index (131)

Risk Factors

• • Regulatory/legal risk: Potential cybersecurity incident notification requirements to Federal Reserve, FinCEN, SEC, FBI, Department of Justice authorities
• • Operational/supply chain vulnerability: Cybersecurity risks from third-party vendors assessed via SOC 2 or ISO 27001 reports and ongoing due diligence processes
• • Governance risk: Dependency on Chief Information Security Officer with 20+ years IT/security experience and CISSP certification overseeing cybersecurity program
• • Market disruption risk: Increasing cyber threats requiring layered defenses and continuous improvement to maintain customer confidence and operational continuity

Management Discussion & Analysis

• • Revenue $1.06B in 2025, up $111M (13%) YoY primarily due to $81.6M net interest revenue growth and $29.3M noninterest income increase
• • Net interest margin 3.52% in 2025 vs 3.29% in 2024; operating net income $336M vs $284M, operating diluted EPS $2.71 vs $2.30
• • Best segment: Commercial loans growth driving loan portfolio up 7% to $19.4B; worst impacted noninterest income segment: mortgage loan gains down 9%
• • Capital allocation: redeemed $88.3M preferred stock, repurchased $44.3M common shares, redeemed $135M senior debt
• • Forward outlook: Focus on future acquisitions and capital management; risks include credit, liquidity, and market/interest rate risks with comprehensive risk framework in place

What are the latest UCB SEC filings in 2026?

UNITED COMMUNITY BANKS INC (UCB) has filed a 10-K annual report on February 17, 2026, a 10-Q quarterly report on May 6, 2026, an 8-K current report on August 3, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did UCB file its most recent 10-K annual report?

UNITED COMMUNITY BANKS INC (UCB) filed its most recent 10-K annual report on February 17, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view UCB 10-Q quarterly reports?

UNITED COMMUNITY BANKS INC (UCB)'s most recent 10-Q quarterly report was filed on May 6, 2026. SignalX displays every UCB 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has UCB filed recently?

UNITED COMMUNITY BANKS INC (UCB)'s most recent 8-K was filed on August 3, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find UCB insider trading activity (Form 4)?

SignalX aggregates every UCB Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does UCB file with the SEC?

UNITED COMMUNITY BANKS INC (UCB) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new UCB filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for UNITED COMMUNITY BANKS INC (UCB).

What is UCB's SEC CIK number?

UNITED COMMUNITY BANKS INC (UCB)'s SEC CIK (Central Index Key) number is 857855. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 857855 to look up all UCB filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find UCB return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from UNITED COMMUNITY BANKS INC (UCB) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.