United Community Banks
Runs a Southeastern relationship bank with mortgage, wealth and nationwide SBA lending.
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Profile
Takes deposits and makes commercial, residential and consumer loans across six Southeastern states, supplemented by mortgage banking, wealth management and nationwide government-guaranteed small-business lending. Navitas equipment finance remains in the group under a pending sale agreement.
Operates a relationship-focused banking franchise across Alabama, Florida, Georgia, North Carolina, South Carolina and Tennessee, taking deposits and making commercial, residential and consumer loans. Mortgage banking, wealth management and nationwide SBA and USDA lending add fee and interest income; Navitas equipment finance remains part of the group pending its announced sale.
Pairs local decision-making with centralized products and support, and has expanded through acquisitions and organic growth. The completed Peach State combination deepens the franchise in northern Georgia, while the planned Navitas divestiture concentrates resources on core Southeastern markets.
Revenue is driven mainly by the spread between interest earned on loans and securities and interest paid on deposits, with fees providing a smaller contribution. All activities are reported in a single Community Banking segment and operate under federal and state banking supervision.
Company facts
Categories
Key statistics
Year to date +11.9% · Average volume (30d) 854.3K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 22, 2026 | Piper Sandler | Reiterate | Neutral | $35 | $37 | |
| Jun 17, 2026 | Piper Sandler | Reiterate | Neutral | $35 | ||
| Jun 15, 2026 | DA Davidson | Reiterate | Buy | $39 | $40 | |
| Apr 28, 2026 | Stephens | Target | $39 | $40 | ||
| Apr 9, 2026 | Keefe, Bruyette & Woods | Upgrade | Market Perform | Outperform |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 21, 2026Q2 FY26 | $0.81 | $0.71 | −12.3% | $280.1M | $279.3M | −0.3% | −1.02% |
| Apr 21, 2026Q1 FY26 | $0.71 | $0.70 | −1.4% | $273.9M | $276.5M | +1.0% | −0.87% |
| Jan 14, 2026Q4 FY25 | $0.73 | $0.71 | −2.7% | $273.6M | $278.4M | +1.8% | +1.56% |
| Oct 22, 2025Q3 FY25 | $0.70 | $0.75 | +7.8% | $271.0M | $276.8M | +2.2% | −0.67% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $366.3M | $376.2M | $391.1M | $403.5M | $377.7M | $382.8M | |
| Gross profit | $227.5M | $242.5M | $263.0M | $281.3M | $265.7M | $309.1M | |
| Operating income | $91.2M | $100.5M | $118.1M | $112.7M | $108.4M | $138.3M | |
| Net income | $71.4M | $78.7M | $91.5M | $86.5M | $84.3M | $115.6M | |
| Diluted EPS | $0.58 | $0.63 | $0.70 | $0.71 | $0.69 | $0.95 | |
| Gross margin | 62.1% | 64.5% | 67.2% | 69.7% | 70.3% | 80.8% | |
| Operating margin | 24.9% | 26.7% | 30.2% | 27.9% | 28.7% | 36.1% |
Fiscal years (4-quarter sums)FY21 $716.3M · FY22 $928.9M · FY23 $1.29B · FY24 $1.48B · FY25 $1.54B
Balance sheet, Jun 30, 2026Cash & short-term investments $4.24B · Total debt $380.6M · Total assets $29.05B · Shareholders' equity $3.75B
Dividends
Raised for 11 straight years — most recently to $0.25 from $0.24 in Sep 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 15, 2026 | Jun 15 | Jul 3 | $0.25 | |
| Mar 13, 2026 | Mar 13 | Apr 3 | $0.25 | |
| Dec 15, 2025 | Dec 15 | Jan 5 | $0.25 | |
| Sep 15, 2025 | Sep 15 | Oct 3 | $0.25 | raised from $0.24 |
| Jun 13, 2025 | Jun 15 | Jul 3 | $0.24 | |
| Mar 14, 2025 | Mar 14 | Apr 4 | $0.24 | |
| Dec 16, 2024 | Dec 16 | Jan 6 | $0.24 | |
| Sep 16, 2024 | Sep 16 | Oct 4 | $0.24 | raised from $0.23 |
Ownership
Shares outstanding 119.76M · Float 118.92M · 99.3% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 17.51M | 14.62% | 13F | Aug 7, 2026 |
| Vanguard Portfolio Management LLC | 8.12M | 6.78% | 13F | Aug 13, 2026 |
| FMR LLC | 8.03M | 6.70% | 13F | Aug 13, 2026 |
| Dimensional Fund Advisors LP | 6.64M | 5.55% | 13F | Aug 11, 2026 |
| State Street Corp | 6.54M | 5.46% | 13F | Aug 7, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 10, 2026 | Carl Steven Carande | director | +2,101 | $35.35 |
| Jul 28, 2026 | Jefferson L. Harralson | officer: EVP, CFO | −25,000 | $35.41 |
| Jul 27, 2026 | Richard Bradshaw | officer: EVP, Chief Banking Officer | −1,424 | $35.09 |
| Apr 27, 2026 | Richard Bradshaw | officer: EVP, Chief Banking Officer | −1,510 | $33.09 |
| Feb 18, 2026 | H. Lynn Harton | director, officer: President & CEO | −25,000 | $34.64 |
Peers
- SouthState
Large Southeast regional bank overlapping across Carolinas, Georgia, and Alabama
- Ameris Bancorp
Atlanta-based Southeast regional bank holding company; ~$27.5B assets
- Pinnacle Financial Partners
Post-Synovus SE bank; ~$117B assets spanning TN, NC, SC, GA, AL, FL
- First Horizon
$84B Memphis-based SE bank with retail, commercial, and fixed-income franchises
- Truist Financial
Top-10 US bank from BB&T–SunTrust merger; dominant SE branch network
- Renasant
Mississippi-rooted Southeast regional bank; ~$26.8B assets, 277+ offices
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| United Community Banks | $35.18 | −0.01% | $4.21B | 11.5 | 11.6 | 2.7 | +9.8% |
| SouthState | $105.98 | +0.00% | $10.28B | 11.1 | 10.8 | 3.2 | +1.2% |
| Ameris Bancorp | $85.59 | +0.06% | $5.76B | 15.5 | 12.6 | 3.4 | +5.7% |
| Pinnacle Financial Partners | $101.09 | +0.02% | $15.26B | 12.4 | 9.4 | 3.1 | +145.2% |
| First Horizon | $24.65 | +0.02% | $11.70B | 11.8 | 11.3 | 2.5 | +9.9% |
| Truist Financial | $53.13 | +5.37% | $62.83B | 12.0 | 10.6 | 2.1 | +6.5% |
| Renasant | $41.09 | −0.02% | $3.76B | 12.3 | 10.8 | 3.0 | +21.1% |
| Median | 12.1 | 10.8 | 3.1 | +8.2% |