United Community Banks, Inc. (UCB)

Over the past six months, UCB's stock price has increased. In Q3 2025, UCB reported diluted earnings per share of $0.75, exceeding expectations, with revenue of $276.8 million. The company extended its share repurchase program and announced a quarterly cash dividend. UCB acquired ANB Holdings, Inc. in an all-stock transaction valued at $80.4 million, adding approximately $374 million in deposits and $301 million in loans. The company also transferred its stock listing from NASDAQ to the New York Stock Exchange (NYSE) and changed its ticker symbol to 'UCB'.

Demand seasonality for United Community Banks, Inc.'s products and services is influenced by deposit fluctuations, regional demographics, and general banking cyclicality. Deposit levels can be affected by seasonal public funds attrition. Demand for specific products varies by region, with affluent suburban areas driving wealth management demand and rural communities having a higher concentration of agricultural business clients. The company is targeting technology firms in Southeastern innovation hubs for future growth. Demand for loans and other financial services is also influenced by broader economic cycles and interest rate environments.

United Community Banks, Inc. (UCB) is a financial holding company providing diversified financial services through United Community Bank. It operates in the Financial Services sector, specifically the Regional Banks industry, offering a suite of financial products and services to commercial, retail, governmental, educational, energy, healthcare, and real estate clients. Its major products and services include deposit products, lending services, specialized lending, wealth management, and other financial services.

United Community Banks, Inc. has a significant presence across the Southeastern United States, operating 199 offices across Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee as of September 30, 2025. UCB is the largest bank headquartered in South Carolina by total asset size and holds a top-five deposit market share in key MSAs. In 2024, it achieved the No. 1 deposit market share position in West Virginia. Through its SBA lending franchise and equipment finance subsidiary, its reach extends nationwide.

United Community Banks, Inc. has maintained a strong brand reputation, receiving the J.D. Power award for customer satisfaction multiple times and being named the most trusted bank in the Southeast in 2025. The company has been recognized by American Banker as one of the "Best Banks to Work For" for nine consecutive years. In commercial banking, United earned five 2025 Greenwich Best Brand awards, including national honors for middle market satisfaction. Forbes has consistently named United among the World's Best and America's Best Banks.

The ownership of United Community Banks, Inc. is primarily concentrated among institutional investors, holding approximately 82.98% of the stock as of July 31, 2025, which rose to 86.72% in early 2025. Insiders own a smaller portion. Major institutional owners include BlackRock, Inc., The Vanguard Group, Inc., and Fmr Llc. Key individual insider holders include H. Lynn Harton, Richard Bradshaw, and Robert A. Edwards. Nicholas B. Paumgarten is noted as the largest individual shareholder.