United Community Banks, Inc. (UCB)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
$36.96-1.86%
Close 2026-11-05 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · UCB
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-11-05.
The screen ranks UCB against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 66% of the time over the next year (vs 56% for the rest of the cohort, n=7714).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
We completed the acquisition of Peach State Bank on August 1, the sale of our Navitas equipment finance business on September 1, and the restructuring of our investment portfolio in early September.
Stated in 2 of 4 supplied quarters. Management reported: “We completed the acquisition of Peach State Bank on August 1, the sale of our Navitas equipment finance business on September 1, and the restructuring of our investment portfolio in early September.” “GREENVILLE, SC – September 8, 2026 – United Community Banks, Inc. (NYSE: UCB) (“United” or the “Company”) today announced that, following the September 1 completion of the sale of Navitas Credit Corp. and NLFC Reinsurance Corp (collectively, “Navitas”), which netted the Company approximately $2.0 billion in proceeds, it has completed a strategic balance sheet repositioning of its investment securities portfolio.”
“We completed the acquisition of Peach State Bank on August 1, the sale of our Navitas equipment finance business on September 1, and the restructuring of our investment portfolio in early September.”
“Harton continued, “We’ve recently announced the acquisition of Peach State Bank and the sale of Navitas, two strategic actions that I’m confident will be catalysts to the opportunities United has to…”
At the same time, we achieved high single-digit growth in both core loans and customer deposits in the quarter, reflecting strong momentum resulting from our investment in hiring top talent.
Stated in 3 of 4 supplied quarters. Management reported: “At the same time, we achieved high single-digit growth in both core loans and customer deposits in the quarter, reflecting strong momentum resulting from our investment in hiring top talent.” “New loan production exceeded $1 billion for the second consecutive quarter.”
Stock Repurchase Program Increase On September 1, 2026, the Executive Committee of the Board of Directors authorized a $100 million increase (through December 31, 2027) to the share repurchase progra…
Stated in 1 of 4 supplied quarters. Management reported: “We took advantage of our strong capital position and repurchased 1.09 million shares of our common stock at an average price of $33.97 per share during the quarter.” “Stock Repurchase Program Increase On September 1, 2026, the Executive Committee of the Board of Directors authorized a $100 million increase (through December 31, 2027) to the share repurchase program approved by the Board in 2026, of which $13 million remained outstanding, subject to customary regulatory approvals.”
We completed the acquisition of Peach State Bank on August 1, the sale of our Navitas equipment finance business on September 1, and the restructuring of our investment portfolio in early September.
Stated in 2 of 4 supplied quarters. Management reported: “We completed the acquisition of Peach State Bank on August 1, the sale of our Navitas equipment finance business on September 1, and the restructuring of our investment portfolio in early September.” “We're also continuing to build density in our existing footprint through small tuck-in acquisitions.”
Complete sale of Navitas Credit Corp and reposition investment securities portfolio to reduce interest rate risk and improve earnings profile.
Over the trailing year it converted 1.20x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9158).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
10 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 58% for the rest of the cohort, n=10134).
Not investment advice. As of 2026-11-05.
“At the same time, we achieved high single-digit growth in both core loans and customer deposits in the quarter, reflecting strong momentum resulting from our investment in hiring top talent.”
“Chairman and CEO Lynn Harton stated, “Our second quarter results reflect strong loan growth and a strategic emphasis on our core banking business.”
“We continue to improve our earning asset mix by growing loans, funded by maturing investment securities and growth in customer deposits.”
“We took advantage of our strong capital position and repurchased 1.09 million shares of our common stock at an average price of $33.97 per share during the quarter.”
“We completed the acquisition of Peach State Bank on August 1, the sale of our Navitas equipment finance business on September 1, and the restructuring of our investment portfolio in early September.”
“Harton continued, “We’ve recently announced the acquisition of Peach State Bank and the sale of Navitas, two strategic actions that I’m confident will be catalysts to the opportunities United has to…”