United Community Banks (UCB)

Navitas Credit Corp. • NLFC Reinsurance Corp. • UCB Investments, Inc. • UCB Funding Corp. • United Community Development Corporation • UCBI Georgia Credits LLC • United Community Payment Systems, LLC • TFG Holdings, LLC • FNBSM The Falls, LLC • Seaside Capital Management, Inc. ...

IRS number

581807304

UCB stock data

1M 3M 6M 1Y

Analyst ratings and price targets

Last 3 months

Latest filings (excl ownership)

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S-4/A

Registration of securities issued in business combination transactions (amended)

4 Feb 25

S-4

Registration of securities issued in business combination transactions

24 Jan 25

425

Business combination disclosure

24 Jan 25

425

Business combination disclosure

22 Jan 25

8-K

United Community Banks, Inc. Reports Fourth Quarter and Full Year Results

22 Jan 25

425

Business combination disclosure

10 Jan 25

425

Business combination disclosure

19 Dec 24

425

Business combination disclosure

12 Dec 24

425

Business combination disclosure

3 Dec 24

8-K

United Community Banks, Inc. and Anb Holdings, Inc., the Parent of American National Bank, Announce Merger Agreement

3 Dec 24

Transcripts

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UCB

Earnings call transcript

2024 Q2

24 Jul 24

UCB

Earnings call transcript

2024 Q1

24 Apr 24

UCB

Earnings call transcript

2023 Q4

24 Jan 24

UCB

Earnings call transcript

2023 Q3

18 Oct 23

UCB

Earnings call transcript

2023 Q2

19 Jul 23

UCB

Earnings call transcript

2023 Q2

19 Jul 23

UCB

Earnings call transcript

2023 Q1

19 Apr 23

UCB

Earnings call transcript

2022 Q4

18 Jan 23

UCB

Earnings call transcript

2022 Q3

19 Oct 22

UCB

Earnings call transcript

2022 Q2

20 Jul 22

Latest ownership filings

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Financial summary

Financial statements Chart UCB financial data

Quarter (USD)	Sep 24	Jun 24	Mar 24	Dec 23
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Annual (USD)	Dec 23	Dec 22	Dec 21	Dec 20
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Cash burn rate (est.)	Burn method: Change in cash		Burn method: Operating income		Burn method: FCF (opex + capex)
	Last Q	Avg 4Q	Last Q	Avg 4Q	Last Q	Avg 4Q
Cash on hand (at last report)	740.04 mm	740.04 mm	740.04 mm	740.04 mm	740.04 mm	740.04 mm
Cash burn (monthly)	(no burn)	1.62 mm	(no burn)	(no burn)	(no burn)	(no burn)
Cash used (since last report)	n/a	6.91 mm	n/a	n/a	n/a	n/a
Cash remaining	n/a	733.13 mm	n/a	n/a	n/a	n/a
Runway (months of cash)	n/a	451.9	n/a	n/a	n/a	n/a

Beta Read what these cash burn values mean

Financial data from company earnings reports.

Institutional ownership, Q3 2024

UCB institutional ownership history Ownership history

81.2% owned by funds/institutions

13F holders	Current	Prev Q	Change
Total holders	272	255	+6.7%
Opened positions	47	32	+46.9%
Closed positions	30	39	-23.1%
Increased positions	86	90	-4.4%
Reduced positions	83	82	+1.2%

13F shares	Current	Prev Q	Change
Total value	2.76 tn	2.44 tn	+13.2%
Total shares	96.87 mm	97.67 mm	-0.8%
Total puts	0.00	500.00	EXIT
Total calls	600.00	3.10 k	-80.6%
Total put/call ratio	–	0.2	–

Largest owners	Shares	Value	Change
BlackRock	17.40 mm	$505.87 bn	NEW
Vanguard	13.89 mm	$403.99 bn	+0.2%
FMR	10.64 mm	$309.47 bn	+5.0%
Dimensional Fund Advisors	5.84 mm	$169.90 bn	+5.4%
STT State Street	5.73 mm	$167.95 bn	-3.3%
Neuberger Berman	3.61 mm	$104.92 bn	-0.5%
Earnest Partners	3.54 mm	$103.03 bn	-2.9%
Geode Capital Management	2.75 mm	$80.03 bn	-2.8%
MQBKY Macquarie Group Limited	2.29 mm	$66.59 bn	-2.3%
Massachusetts Financial Services	1.92 mm	$55.84 bn	+1.8%

Largest transactions	Shares	Bought/sold	Change
BlackRock	17.40 mm	+17.40 mm	NEW
BLK BlackRock	0.00	-17.26 mm	EXIT
Norges Bank	0.00	-1.20 mm	EXIT
JHG Janus Henderson	451.27 k	-1.19 mm	-72.5%
Assenagon Asset Management	687.11 k	+687.11 k	NEW
Millennium Management	804.74 k	+583.40 k	+263.6%
FMR	10.64 mm	+510.36 k	+5.0%
Dimensional Fund Advisors	5.84 mm	+298.57 k	+5.4%
ProShare Advisors	267.69 k	-258.80 k	-49.2%
Qube Research & Technologies	394.04 k	+249.74 k	+173.1%

Data from 13F filings, for the last complete 13F reporting period. For most recent data, click the ownership history button. Values as filed, not updated for current price. Long positions only.

Recent insider trades

UCB insider ownership history Insider history

Date	Owner	Security	Transaction	Code	Indirect	10b5-1	$Price	#Shares	$Value	#Remaining
27 Jan 25	Richard Bradshaw	Common Stock	Sell	Dispose S	No	Yes	32.79	3	98.37	67,876
27 Jan 25	Richard Bradshaw	Common Stock	Sell	Dispose S	No	Yes	32.724	1,524	49.87 k	67,879
10 Dec 24	H LYNN Harton	Common Stock	Gift	Acquire G	Yes	No	0	611	0.00	144,123
10 Dec 24	H LYNN Harton	Common Stock	Gift	Dispose G	No	No	0	611	0.00	165,111
15 Nov 24	Alan H Kumler	Common Stock	Payment of exercise	Dispose F	No	No	32.79	173	5.67 k	31,342
15 Nov 24	H LYNN Harton	Common Stock	Payment of exercise	Dispose F	No	No	32.79	560	18.36 k	165,722
15 Nov 24	Richard Bradshaw	Common Stock	Payment of exercise	Dispose F	No	No	32.79	9	295.11	69,310
15 Nov 24	Richard Bradshaw	Common Stock	Gift	Dispose G	No	No	0	305	0.00	69,319