UCB at a glance
UNITED COMMUNITY BANKS INC (UCB, SEC CIK 857855) filed its latest 10-K annual report on February 17, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on September 8, 2026 and Form 4 insider filings as recently as September 9, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), UNITED COMMUNITY BANKS INC (UCB) reported revenue of $1.1 billion (up 18.0% from FY2024) and net income of $328.1 million. Diluted EPS was $2.62.
- As of June 30, 2026, 32 institutional investment managers tracked by SignalX reported holding UNITED COMMUNITY BANKS INC (UCB) shares worth $2.3 billion in 13F-HR filings.
- The most recent insider open-market purchase reported on Form 4 was by Carande Carl Steven on August 10, 2026 of 2,101 shares at $35.35 per share.
- In the last 90 days, UCB insiders reported 1 open-market purchase ($74K) and 3 open-market sales ($935K) on Form 4, a net sale of $861K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $1.1B
- +18.0% vs prior year
- Insiders · 90 days
- 1 buy · 3 sells
- Net −$861K
- 13F holders
- 32 funds
- $2.3B · −1 vs prior quarter
- Latest 8-K
- Sep 8, 2026
- Item 7.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
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
AI summary of the UCB 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Financial condition at June 30, 2026 versus December 31, 2025
- Results of operations for three and six months ended June 30, 2026 and 2025
AI summary of the UCB 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 7.01: Regulation FD Disclosure
- United announced strategic initiatives, including a strategic balance sheet repositioning
- Management conference call scheduled September 8, 2026 at 9:00 a.m. ET
Item EX-99.1: Item EX-99.1
- Navitas sale generated approximately $2.0B proceeds, while securities repositioning targets lower interest-rate risk and greater liquidity
- Sold approximately $2.6B securities yielding 2.20%; redeploying into assets yielding approximately 4.5% with approximately 2-year duration
Item 7.01: Regulation FD Disclosure
- September 8, 2026 conference call focused on strategic initiatives, including balance sheet repositioning
- Transcript furnished as Exhibit 99.1, with replay available through United’s investor relations website
Item EX-99.1: Item EX-99.1
- Navitas sale closed September 1 for $2B cash, generating a $68M pretax gain and 145 basis points of CET1
- $2.6B securities sale crystallized a $300M pretax loss, reducing duration from 3.2 years to approximately 2 years
Item 8.01: Other Events
- Completed sale of Navitas Credit Corp., the equipment lease financing subsidiary
- Completed sale of NLFC Reinsurance Corp., the Bank’s reinsurance subsidiary
Item EX-99.1: Item EX-99.1
- Navitas equipment finance sale completed to Wafra for approximately $2.0 billion cash
- Transaction price reflects a 7% premium to Navitas’ loan portfolio par value
AI summaries of UCB 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for UCB
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Speir Thomas Hardaway | A | Sep 8, 2026 | 12,752 | - |
| KUMLER ALAN H | A | Sep 1, 2026 | 2,932 | - |
| KUMLER ALAN H | F | Aug 15, 2026 | 514 | $36.74 |
| Carande Carl Steven | Buy | Aug 10, 2026 | 2,101 | $35.35 |
| Carande Carl Steven | A | Aug 1, 2026 | 1,588 | - |
| EDWARDS ROBERT A. | G | Jul 29, 2026 | 1,500 | - |
| HARRALSON JEFFERSON L | Sell | Jul 28, 2026 | 25,000 | $35.41 |
| BRADSHAW RICHARD | Sell | Jul 27, 2026 | 2 | $35.15 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $803.8M | $901.2M | $1.1B |
| Net Income | $187.5M | $252.4M | $328.1M |
| Net Margin | 23.3% | 28.0% | 30.9% |
| Balance Sheet | |||
| Total Assets | $27.3B | $27.7B | $28.0B |
| Equity | $3.3B | $3.4B | $3.6B |
| ROE | 5.8% | 7.4% | 9.0% |
| Per Share | |||
| EPS | - | $2.04 | $2.62 |
| Cash Flow | |||
| Operating CF | $294.0M | $349.7M | $384.0M |
| CapEx | $72.5M | $47.0M | $27.6M |
Source: XBRL data in UNITED COMMUNITY BANKS INC (UCB)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate UCB share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 32 | $2.28B |
| Q1 2026 | 33 | $2.04B |
| Q4 2025 | 29 | $2.01B |
| Q3 2025 | 30 | $2.01B |
| Q2 2025 | 31 | $1.93B |
| Q1 2025 | 28 | $1.29B |
| Q4 2024 | 22 | $1.39B |
| Q3 2024 | 19 | $544.0M |
- Invesco Ltd+440.1K (+25%)
- Ameriprise Financial+429.3K (+157%)
- State Street Corp+306.0K (+5%)
- BNY Mellon+256.7K (+20%)
- Northern Trust+130.8K (+10%)
- FMR LLC (Fidelity)−923.2K (-10%)
- BlackRock−353.5K (-2%)
- Bank of America Corp−119.3K (-16%)
- Goldman Sachs Group−91.7K (-5%)
- Millennium Management−69.5K (-19%)
- Mangrove Partners−16.7K
Source: 13F-HR filings on SEC EDGAR (aggregated from 224 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
UCB filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 9, 2026 | - | - | - |
| 8-K | Sep 8, 2026 | - | Analysis | - |
| 8-K | Sep 8, 2026 | - | Analysis | - |
| 4 | Sep 2, 2026 | - | - | - |
| 8-K | Sep 1, 2026 | - | Analysis | - |
| 8-K | Aug 19, 2026 | - | Analysis | - |
| 4 | Aug 17, 2026 | - | - | - |
| 4 | Aug 10, 2026 | - | - | - |
| 10-Q | Aug 5, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Aug 3, 2026 | - | Analysis | - |
| 4 | Aug 3, 2026 | - | - | - |
| 8-K | Aug 3, 2026 | - | Analysis | - |
| 4 | Jul 30, 2026 | - | - | - |
| 4 | Jul 28, 2026 | - | - | - |
| 4 | Jul 28, 2026 | - | - | - |
| 4 | Jul 28, 2026 | - | - | - |
| 4 | Jul 28, 2026 | - | - | - |
| 4 | Jul 28, 2026 | - | - | - |
| 4 | Jul 27, 2026 | - | - | - |
| 8-K | Jul 21, 2026 | - | Analysis | - |
| 8-K | Jul 10, 2026 | - | Analysis | - |
| 8-K | Jun 12, 2026 | - | Analysis | - |
| 8-K | May 15, 2026 | - | Analysis | |
| 4 | May 14, 2026 | - | - | |
| 4 | May 14, 2026 | - | - |
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UCB SEC filings: frequently asked questions
Are UCB insiders buying or selling?
In the last 90 days, UNITED COMMUNITY BANKS INC (UCB) officers, directors and 10% owners reported 1 open-market purchase worth $74,270 by 1 insider and 3 open-market sales worth $935,218 by 2 insiders on Form 4, a net sale of $860,948. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold UCB stock?
As of June 30, 2026, the largest UNITED COMMUNITY BANKS INC (UCB) holders among the 13F filers tracked by SignalX were BlackRock ($614.4 million), Vanguard Portfolio Management LLC ($284.9 million), FMR LLC (Fidelity) ($281.7 million), Dimensional Fund Advisors ($233.0 million), State Street Corp ($231.1 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was UCB's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), UNITED COMMUNITY BANKS INC (UCB) reported revenue of $1.1 billion (up 18.0% from FY2024) and net income of $328.1 million. Diluted EPS was $2.62. The figures come from the XBRL data in the 10-K.
What are the main risks in UCB's latest 10-K?
In the 10-K filed February 17, 2026, UNITED COMMUNITY BANKS INC (UCB) flagged: 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. (AI summary of the Risk Factors section.)
What did UCB report in its latest 8-K?
UNITED COMMUNITY BANKS INC (UCB) filed an 8-K on September 8, 2026 reporting Item 7.01 (Regulation FD Disclosure). United announced strategic initiatives, including a strategic balance sheet repositioning.
What are the latest UCB SEC filings?
UNITED COMMUNITY BANKS INC (UCB) filed its latest 10-K annual report on February 17, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on September 8, 2026 and a Form 4 insider filing on September 9, 2026.
What is UCB's SEC CIK number?
UNITED COMMUNITY BANKS INC (UCB)'s SEC Central Index Key (CIK) is 857855. EDGAR lists every UCB filing under that number.
Ask anything about UCB
The research agent reads UCB's filings, financials, insider trades and 13F holders, then answers with sources.