UNITED COMMUNITY BANKS INC
In the published model solve dated 2026-Q2, anchored at $36.07, UNITED COMMUNITY BANKS INC (UCB) is priced for 11.8% return on equity. boothcheck publishes no house fair value, target price, or buy/sell rating; individual model outputs and user-controlled scenarios are analytical inputs, not Boothcheck targets. The narrative was composed June 28, 2026 from SEC EDGAR filings.
• United Community Banks is a Southeast retail-banking franchise that competes on service rather than price, named #1 for retail banking customer satisfaction in the Southeast in the JD Power 2026 study, its third straight year at the top [Source: JD Power 2026 U.S. Retail Banking Satisfaction Study, March 26 2026]. • The defining trend is margin: Q1 2026 net interest margin reached 3.65%, the fifth consecutive quarter of expansion, helped by deposit costs falling faster than loan yields [Source
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340 institutional managers reported holding UCB in 13F filings for the quarter ended 2026-03-31. Together they hold about 84% of the company; the top 10 hold 56%. 46 opened new positions that quarter. Held by BlackRock, Vanguard Group, FMR (Fidelity), among others. On the short side, 4.3M shares were sold short as of the 2026-06-15 count, about 4% of shares outstanding (4.1 days of typical volume to cover).
Quarterly 13F filings arrive up to 45 days after quarter end, so the picture is never current (filed through 2026-05-29). Nothing here is investment advice.
UCB's share count grew 38% over the past five years even with $91.36M spent on repurchases. It pays a dividend, and has for 12 years running, raised 11 years straight; the current rate is $0.98 a share annually. Cash returned over the past three years: $316.01M in dividends and $81.36M in repurchases.
Share counts are split-adjusted; repurchase totals are gross of share issuance. Nothing here is investment advice.
Open-market insider buys at UCB over the trailing three years: 2025: 2 buys totaling $64k. 20 officers and directors are on file.
Code P open-market purchases from SEC Form 4 filings, non-derivative, excluding scheduled 10b5-1 plans. Nothing here is investment advice.
UCB's recent reports: the day-one move, then what the following quarter actually did.
| report | day one | next quarter |
|---|---|---|
| 2023-08-05 | +2.6% | -12.8% |
| 2023-11-04 | -0.5% | +19.9% |
| 2024-02-24 | -1.9% | -0.4% |
| 2024-05-10 | -1.2% | +1.5% |
Day-one is the close-to-close move around the filing. Nothing here is investment advice.
UCB's latest 8-K filings: 2026-08-03 (items 5.02, 7.01, 9.01); 2026-08-03 (items 8.01, 9.01); 2026-07-21 (items 2.02, 7.01, 9.01); 2026-07-10 (items 8.01, 9.01); 2026-06-12 (items 1.01, 7.01, 9.01).
Item codes are the SEC's own classification of what each report discloses. Dates link to the filing on EDGAR. Nothing here is investment advice.
Model solve date: 2026-Q2
Narrative composed: June 28, 2026
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For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.