# United Community Banks Inc: overview

UCB · NYSE · CIK 857855 · [Financials](/sectors/financials.md) · fiscal year ends Dec 31

Pages: [Overview](/companies/ucb.md) · [Financials](/companies/ucb/financials.md) · [Filings](/companies/ucb/filings.md) · [Insiders](/companies/ucb/insiders.md)

Latest reported revenue: [$279.3m](/filings/0000857855-26-000076.md) for Q2 FY2026, three months to 2026-06-30, from the 10-Q filed Aug 5, 2026 (XBRL us-gaap:Revenues, accession 0000857855-26-000076).

## Last eight quarters

| Line item | Unit | Q3 FY2024 (2024-09-30) | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | [217](/filings/0000857855-25-000164.md) | [251 d](/filings/0000857855-26-000008.md) | [248](/filings/0000857855-26-000017.md) | [260](/filings/0000857855-26-000076.md) | [277](/filings/0000857855-25-000164.md) | [278 d](/filings/0000857855-26-000008.md) | [277](/filings/0000857855-26-000017.md) | [279](/filings/0000857855-26-000076.md) |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | [21.8%](/filings/0000857855-25-000164.md) | [30.2% d](/filings/0000857855-26-000008.md) | [28.8%](/filings/0000857855-26-000017.md) | [30.3%](/filings/0000857855-26-000076.md) | [33.0%](/filings/0000857855-25-000164.md) | [31.1% d](/filings/0000857855-26-000008.md) | [30.5%](/filings/0000857855-26-000017.md) | [41.4%](/filings/0000857855-26-000076.md) |
| Diluted EPS | $ per share | [0.38](/filings/0000857855-25-000164.md) | not reported | [0.58](/filings/0000857855-26-000017.md) | [0.63](/filings/0000857855-26-000076.md) | [0.70](/filings/0000857855-25-000164.md) | not reported | [0.69](/filings/0000857855-26-000017.md) | [0.95](/filings/0000857855-26-000076.md) |
| Free cash flow | $m | [(2.2) d](/filings/0000857855-25-000164.md) | [143 d](/filings/0000857855-26-000008.md) | [94.3](/filings/0000857855-26-000017.md) | [84.7 d](/filings/0000857855-26-000076.md) | [118 d](/filings/0000857855-25-000164.md) | [59.7 d](/filings/0000857855-26-000008.md) | [62.4](/filings/0000857855-26-000017.md) | [121 d](/filings/0000857855-26-000076.md) |

- Revenue. XBRL Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Gross margin (gross profit / revenue). XBRL Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Operating margin (operating income / revenue). XBRL Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment. Derived values: 9-month figure less the 6-month figure; 12-month figure less the 9-month figure; 6-month figure less the 3-month figure.

## Last five fiscal years

| Line item | Unit | FY2021 (2021-12-31) | FY2022 (2022-12-31) | FY2023 (2023-12-31) | FY2024 (2024-12-31) | FY2025 (2025-12-31) |
| --- | --- | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | [744](/filings/0000857855-24-000010.md) | [826](/filings/0000857855-25-000057.md) | [893](/filings/0000857855-26-000008.md) | [952](/filings/0000857855-26-000008.md) | [1,063](/filings/0000857855-26-000008.md) |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | [36.2%](/filings/0000857855-24-000010.md) | [33.6%](/filings/0000857855-25-000057.md) | [21.0%](/filings/0000857855-26-000008.md) | [26.5%](/filings/0000857855-26-000008.md) | [30.9%](/filings/0000857855-26-000008.md) |
| Diluted EPS | $ per share | [2.97](/filings/0000857855-24-000010.md) | [2.52](/filings/0000857855-25-000057.md) | [1.54](/filings/0000857855-26-000008.md) | [2.04](/filings/0000857855-26-000008.md) | [2.62](/filings/0000857855-26-000008.md) |
| Free cash flow | $m | [333](/filings/0000857855-24-000010.md) | [565](/filings/0000857855-25-000057.md) | [221](/filings/0000857855-26-000008.md) | [303](/filings/0000857855-26-000008.md) | [356](/filings/0000857855-26-000008.md) |

- Revenue. XBRL Revenue: us-gaap:Revenues.
- Gross margin (gross profit / revenue). XBRL Revenue: us-gaap:Revenues.
- Operating margin (operating income / revenue). XBRL Revenue: us-gaap:Revenues.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:Revenues.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment.

Each value links to the filing it came from. d marks a derived value. A ratio is not reported when any input is missing.

## Insider purchases and sales

The last 20 open-market transactions on Form 4 (codes P and S). Reported price is as stated on the form, not a market price. [All insider transactions](/companies/ucb/insiders.md)

| Date | Insider | Role | Transaction | Shares | Reported price | Value | Filing |
| --- | --- | --- | --- | ---: | ---: | ---: | --- |
| 2026-10-26 | [Bradshaw Richard](/insiders/1608560.md) | EVP, Chief Banking Officer, Officer | Sale (S) | 6 | $36.98 | $221.88 | [Form 4](/filings/0001608560-26-000014.md) |
| 2026-10-26 | [Bradshaw Richard](/insiders/1608560.md) | EVP, Chief Banking Officer, Officer | Sale (S) | 1,339 | $37.17 | $49.8k | [Form 4](/filings/0001608560-26-000014.md) |

## Funds that report holding it

From each manager’s latest Form 13F, largest reported value first. Reported value is as filed: filing data, not a price. [All funds](/funds.md)

| Fund | Quarter ended | Reported value | Shares | Put or call | Change on the quarter before |
| --- | --- | ---: | ---: | --- | --- |
| [BlackRock, Inc.](/funds/2012383.md) | 2026-06-30 | $614.4m | 17,508,114 |  | Reduced −353,522 |
| [VANGUARD PORTFOLIO MANAGEMENT LLC](/funds/2100121.md) | 2026-06-30 | $284.9m | 8,117,742 |  | Added +72,750 |
| [FMR LLC](/funds/315066.md) | 2026-06-30 | $281.7m | 8,027,052 |  | Reduced −923,183 |
| [DIMENSIONAL FUND ADVISORS LP](/funds/354204.md) | 2026-06-30 | $233.0m | 6,641,192 |  | Added +121,060 |
| [STATE STREET CORP](/funds/93751.md) | 2026-06-30 | $231.1m | 6,538,953 |  | Added +305,992 |
| [VANGUARD CAPITAL MANAGEMENT LLC](/funds/2100119.md) | 2026-06-30 | $190.2m | 5,421,389 |  | Added +45,200 |
| [NEUBERGER BERMAN GROUP LLC](/funds/1465109.md) | 2026-06-30 | $123.5m | 3,519,022 |  | Added +28,254 |
| [EARNEST PARTNERS LLC](/funds/1102578.md) | 2026-06-30 | $113.4m | 3,232,896 |  | Reduced −124,179 |
| [GEODE CAPITAL MANAGEMENT, LLC](/funds/1214717.md) | 2026-06-30 | $109.5m | 3,118,742 |  | Added +140,353 |
| [Invesco Ltd.](/funds/914208.md) | 2026-06-30 | $77.7m | 2,214,478 |  | Added +440,073 |

## Recent filings

[All 1,637 filings](/companies/ucb/filings.md)

| Filed | Accepted | Form | What it is | Accession |
| --- | --- | --- | --- | --- |
| 2026-10-20 | 07:00 ET | [8-K](/filings/0001104659-26-117113.md) | 2.02 Results of operations; 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001104659-26-117113 |
| 2026-09-08 | 14:42 ET | [8-K](/filings/0001104659-26-105855.md) | 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001104659-26-105855 |
| 2026-09-08 | 07:30 ET | [8-K](/filings/0001104659-26-105666.md) | 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001104659-26-105666 |
| 2026-09-01 | 16:32 ET | [8-K](/filings/0000857855-26-000084.md) | 8.01 Other events; 9.01 Financial statements and exhibits | 0000857855-26-000084 |
| 2026-08-19 | 08:05 ET | [8-K](/filings/0000857855-26-000081.md) | 5.02 Departure or appointment of officers or directors; 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0000857855-26-000081 |
| 2026-08-05 | 15:00 ET | [10-Q](/filings/0000857855-26-000076.md) | Quarterly report, period 2026-06-30 | 0000857855-26-000076 |
| 2026-08-03 | 09:09 ET | [8-K](/filings/0000857855-26-000071.md) | 5.02 Departure or appointment of officers or directors; 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0000857855-26-000071 |
| 2026-08-03 | 08:49 ET | [8-K](/filings/0000857855-26-000069.md) | 8.01 Other events; 9.01 Financial statements and exhibits | 0000857855-26-000069 |
| 2026-07-21 | 07:35 ET | [8-K](/filings/0001104659-26-085229.md) | 2.02 Results of operations; 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001104659-26-085229 |
| 2026-07-10 | 09:08 ET | [8-K](/filings/0001104659-26-082469.md) | 8.01 Other events; 9.01 Financial statements and exhibits | 0001104659-26-082469 |

## Latest annual report

[Form 10-K for the fiscal year ended Dec 31, 2025](/filings/0000857855-26-000008.md), filed Feb 17, 2026.

## Forecast league

Not in this season’s league. [This season’s league](/leagues.md)

## About the filer

- CIK: 857855
- Tickers: UCB
- Exchange: NYSE
- SIC code: 6022 State Commercial Banks
- State of incorporation: GA
- Filer category: Large accelerated filer

Source: SEC EDGAR, XBRL company facts, the filing index and Forms 4. Last ingested by Listed: Oct 29, 2026, 16:03 ET. No prices; not investment advice.