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 • United Community Public Finance, 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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Business combination disclosure

21 Feb 25

8-K

Departure of Directors or Certain Officers

11 Feb 25

424B3

Prospectus supplement

7 Feb 25

EFFECT

Notice of effectiveness

7 Feb 25

424B3

Prospectus supplement

6 Feb 25

425

Business combination disclosure

6 Feb 25

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

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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JEFFERSON L HARRALSON

Financial summary

Financial statements Chart UCB financial data

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

Annual (USD)	Dec 24	Dec 23	Dec 22	Dec 21
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)	519.87 mm	519.87 mm	519.87 mm	519.87 mm	519.87 mm	519.87 mm
Cash burn (monthly)	73.39 mm	40.33 mm	(no burn)	(no burn)	(no burn)	(no burn)
Cash used (since last report)	153.39 mm	84.30 mm	n/a	n/a	n/a	n/a
Cash remaining	366.49 mm	435.57 mm	n/a	n/a	n/a	n/a
Runway (months of cash)	5.0	10.8	n/a	n/a	n/a	n/a

Beta Read what these cash burn values mean

Financial data from company earnings reports.

Institutional ownership, Q4 2024

UCB institutional ownership history Ownership history

86.6% owned by funds/institutions

13F holders	Current	Prev Q	Change
Total holders	265	272	-2.6%
Opened positions	31	47	-34.0%
Closed positions	38	30	+26.7%
Increased positions	94	86	+9.3%
Reduced positions	88	83	+6.0%

13F shares	Current	Prev Q	Change
Total value	3.29 tn	2.76 tn	+18.9%
Total shares	103.42 mm	96.87 mm	+6.8%
Total puts	0.00	0.00
Total calls	800.00	600.00	+33.3%
Total put/call ratio	–	–	–

Largest owners	Shares	Value	Change
BlackRock	17.55 mm	$567.09 bn	+0.9%
Vanguard	13.93 mm	$450.14 bn	+0.3%
FMR	9.60 mm	$310.17 bn	-9.8%
STT State Street	6.56 mm	$213.31 bn	+14.5%
Dimensional Fund Advisors	6.06 mm	$195.77 bn	+3.7%
Capital Research Global Investors	4.60 mm	$148.76 bn	NEW
Neuberger Berman	4.18 mm	$134.95 bn	+15.8%
Earnest Partners	3.51 mm	$113.54 bn	-0.8%
Geode Capital Management	2.74 mm	$88.40 bn	-0.6%
MQBKY Macquarie Group Limited	2.28 mm	$73.73 bn	-0.3%

Largest transactions	Shares	Bought/sold	Change
Capital Research Global Investors	4.60 mm	+4.60 mm	NEW
Norges Bank	1.33 mm	+1.33 mm	NEW
FMR	9.60 mm	-1.04 mm	-9.8%
STT State Street	6.56 mm	+830.17 k	+14.5%
GS The Goldman Sachs Group, Inc.	1.34 mm	+667.81 k	+99.8%
Neuberger Berman	4.18 mm	+568.96 k	+15.8%
Mesirow Institutional Investment Management	486.97 k	+486.97 k	NEW
Assenagon Asset Management	234.35 k	-452.75 k	-65.9%
JPM JPMorgan Chase & Co.	668.49 k	+414.08 k	+162.8%
JHG Janus Henderson	56.40 k	-394.86 k	-87.5%

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
19 Feb 25	H LYNN Harton	Common Stock	Sell	Dispose S	Yes	Yes	33.2922	3,321	110.56 k	109,123
15 Feb 25	Abraham Cox	Common Stock	Payment of exercise	Dispose F	No	No	33.47	494	16.53 k	13,449
15 Feb 25	Abraham Cox	Common Stock	Payment of exercise	Dispose F	No	No	33.47	365	12.22 k	13,943
15 Feb 25	Abraham Cox	Common Stock	Grant	Acquire A	No	No	0	1,015	0.00	14,308
15 Feb 25	Melinda Davis Lux	Common Stock	Payment of exercise	Dispose F	No	No	33.47	829	27.75 k	34,606
15 Feb 25	Melinda Davis Lux	Common Stock	Payment of exercise	Dispose F	No	No	33.47	1,376	46.05 k	35,435
15 Feb 25	Melinda Davis Lux	Common Stock	Grant	Acquire A	No	No	0	4,249	0.00	36,811
15 Feb 25	Mark Aaron Terry	Common Stock	Payment of exercise	Dispose F	No	No	33.47	384	12.85 k	21,767
15 Feb 25	Mark Aaron Terry	Common Stock	Payment of exercise	Dispose F	No	No	33.47	598	20.02 k	22,151
15 Feb 25	Mark Aaron Terry	Common Stock	Grant	Acquire A	No	No	0	1,666	0.00	22,749