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NEW YORK STOCK EXCHANGE, INC. · Banking · CIK 0000857855
$37.23
+3.85% · live
Updated
$4.49B market value
From UNITED COMMUNITY BANKS INC's FY2025 10-K, filed Feb 17, 2026 · read the filing
UNITED COMMUNITY BANKS takes deposits and lends money. It took in $1.06B last year, which makes it a mid-sized company. Of every dollar it sells, about 31 cents is left as profit.
The financial picture is led by profitability, with growth and debt worth watching.
A conclusion from the filings, not a recommendation. Detailed figures and supporting evidence appear in their dedicated sections below.
Financial health
Generally healthy, with a few things to watch.
From UNITED COMMUNITY BANKS INC's FY2025 annual filing · share price scored separately
Largest year-over-year changes in FY2025
Long-term debt
$254.2M → $120.4M
Capital spending
$47.0M → $27.6M
Profit
$252.4M → $328.1M
Profit margin
26.5% → 30.9%
Measured against FY2024, from the 10-K filed Feb 17, 2026
Improved: -52.6%
$254.2M to $120.4MCritical
Why it matters: Rising debt is not automatically bad — borrowing to build something that earns more than the interest is ordinary. It matters when it grows faster than the profit meant to service it.
Changed: -41.4%
$47.0M to $27.6MCritical
Why it matters: Neither good nor bad on its own. Heavy spending is a company building capacity or a company struggling to stand still, and the two look identical in this figure.
How the latest move compares (quote live), and what was published around it
UCB rose 3.85% on the latest quote. The average Financials company tracked here moved +1.11%, and the S&P 500 −1.04%. That is 2.7 points above its sector and 4.9 points above the market.
Expectations
Not from the filings — what other people are betting on, and what the price already assumes.
Measured on and published about a week later — this is a fortnightly snapshot, not a live position.
About 4.5% of this company's shares have been borrowed and sold by people expecting to buy them back cheaper. That is a bet the price falls. Those people can be wrong, and when a heavily shorted share rises they have to buy it back, which pushes it up further.
The essentials
Each answered from the filings, with the numbers behind it.
Yes. It keeps about 31 cents of every dollar of sales as profit, earning $328.1M last year.
Slowly. Sales grew 11.7% last year.
For every $1 it owes, it owns $1.15 in assets. Banks and insurers always carry high debt — that is how lending works — so this is normal for the industry and not comparable with other sectors.
Core operating and valuation reference metrics
Whether the dividend is covered by what the business actually earns
It pays out 36 cents of every dollar of profit and keeps the rest, which leaves the payment comfortably covered. It paid out 31% of the cash its operations generated. It has paid in each of the last 12 years.
GoodNext payment expected around , projected from how regularly it has paid before rather than from a date the company has announced.
Figures from the FY2025 annual filing
Last year it earned $328.1M and generated $384.0M of cash from operations.
As reported to the SEC, in USD. Hover or show sources to see where each figure came from.
| Income statement | FY202510-K · Feb 17, 2026Filing for FY2025 | FY202410-K · Feb 17, 2026Filing for FY2024 | FY202310-K · Feb 17, 2026Filing for FY2023 | FY202210-K · Feb 24, 2023Filing for FY2022 | FY202110-K · Feb 24, 2023Filing for FY2021 | ChangeFY2025 vs FY2024 |
|---|---|---|---|---|---|---|
| RevenueWhat is this? | $1.06B | $952.1M | $893.2M | $826.2M | $744.4M | +11.7% |
| Interest expense | — | — | $419.3M | $60.8M | $29.8M | — |
| Income before tax | $422.4M | $323.0M | $232.5M | $356.0M | $347.8M | +30.8% |
| Net income | $328.1M | $252.4M | $187.5M | $277.5M | $269.8M | +30.0% |
| Net marginNet income ÷ revenueWhat is this? | 30.9% | 26.5% | 21.0% | 33.6% | 36.2% | +4.4 pts |
| Earnings per shareNet income ÷ shares outstanding at the period end — close to, but not the same as, the reported EPSWhat is this? | $2.72 | $2.11 | $1.58 | $2.61 | $3.02 | +28.7% |
† calculated from other reported figures, such as total liabilities as assets minus equity.
Insider activity, ownership stakes and what's coming — straight from EDGAR, before any article is written about it
Officers, directors and major shareholders must report within two business days of a trade.
Was granted or awarded shares — 12,752 shares
Holds 12,752 shares after this filing.
Was granted or awarded shares — 2,932 shares
Holds 23,612 shares after this filing.
20 recent filings, newest first. Each is labelled from its form and item numbers, not from its wording.
Published results · Made a Regulation FD disclosure
Read the filingMade a Regulation FD disclosure
Read the filingWrite down why you are following UNITED COMMUNITY BANKS INC, what has to go right and what would change your mind, then see each new annual report measured against it. Sign in to start one.
Go deeper
Every figure above traces back to a filing in the timeline, each linked to the document itself.
The 14 subsidiaries named in its 10-K, incorporated across 6 places. A filer lists the significant ones and may leave the rest out, so this is the floor rather than the full count.
Every company's figures are checked for internal consistency: the balance sheet adding up, figures sharing one currency, cash flow and share counts within plausible ranges, and how recent the latest annual report is. Nothing here changes a figure.
Financial figures are from UCB's 10-K for fiscal year 2025 (period ending 2025-12-31, filed Feb 17, 2026), reported under the US GAAP taxonomy. View the source filing.
3 of 4 scored areas had enough reported figures to judge
The score averages profitability, growth, debt and accounting. Accounting had too few reported figures and is left out of the average rather than counted as a weakness, so a company is never marked down for a figure it did not publish. Cash generation is shown for context and already feeds profitability. Valuation is scored separately, because a share price says nothing about whether the business is sound. 7 of the 9 Piotroski checks could be evaluated. How the score works
Each year scored only from its annual report as it was first filed
| Fiscal year | Health | F-Score | Scored from |
|---|---|---|---|
| FY2025 | 7.3 | 7/7 | 10-K, filed Feb 17, 2026 |
| FY2024 | 7.3 | 7/7 | 10-K, filed Feb 27, 2025 |
| FY2023 | 6.0 | 4/7 | 10-K, filed Feb 23, 2024 |
| FY2022 | 7.3 | 4/7 | 10-K, filed Feb 24, 2023 |
| FY2021 | 8.7 | 6/7 | 10-K, filed Feb 25, 2022 |
| FY2020 | 7.3 | 2/7 | 10-K, filed Feb 25, 2021 |
A later restatement never reaches back into an earlier year, and every year is scored without a share price, so the latest point can differ a little from the headline score, which uses today's price.
Every check behind the three models, and what each one tests
7 of 7 checks passed
Nine yes-or-no tests of whether this year's finances improved on last year's. 2 could not be evaluated and are excluded from the total rather than counted as failures.
not reported — Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Distance from bankruptcy, from a model fitted on companies that did and did not go bust. It describes a balance sheet's shape today; it does not forecast a failure.
not reported — Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Screens eight accounting ratios for the pattern earnings manipulators tend to leave. A flag is a reason to read the filing closely, never evidence of wrongdoing.
Every figure above comes from the FY2025 filing as filed with the SEC.
Improved: +30.0%
$252.4M to $328.1MSignificant
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Improved: +4.3 pts
26.5% to 30.9%Significant
Why it matters: What survives to the very end of each sale. Worth reading beside revenue: growing sales on a shrinking margin means the company is buying its growth.
Improved: +17.8%
$302.7M to $356.5MSignificant
Why it matters: Cash left after paying for the plant that produced it — the money genuinely available for dividends, buybacks or paying down debt. Harder to flatter than profit.
Improved: +28.7%
$2.11 to $2.72Significant
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Deteriorated: -23.9%
$519.9M to $395.8MSignificant
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
Improved: +11.7%
$952.1M to $1.06BNotable
Why it matters: Sales are what everything else is built on. A fall can be lost customers, lower prices, or a business the company sold — the filing itself says which.
Deteriorated: +1.0%
119.4M to 120.6MNotable
Why it matters: New shares divide the same company into more pieces, so each existing holding owns slightly less of it. Often pay for staff or an acquisition rather than anything wrong.
Changed: +5.5%
$112.3M to $118.5MNotable
Why it matters: Cash handed to shareholders. A rise can be a higher dividend or simply more shares, and a cut is a decision the company explains in its own filing — neither is rated here.
Q2 FY2026 against Q2 FY2025, from the 10-Q filed Aug 5, 2026 — read it.
Improved: +46.9%
$78.7M to $115.6MCritical
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Improved: +11.2 pts
30.3% to 41.4%Critical
Why it matters: What survives to the very end of each sale. Worth reading beside revenue: growing sales on a shrinking margin means the company is buying its growth.
Improved: +48.9%
$0.65 to $0.97Critical
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Improved: -86.7%
$155.1M to $20.6MCritical
Why it matters: Rising debt is not automatically bad — borrowing to build something that earns more than the interest is ordinary. It matters when it grows faster than the profit meant to service it.
Deteriorated: -20.8%
$575.0M to $455.1MSignificant
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
Improved: +7.3%
$260.2M to $279.3MNotable
Why it matters: Sales are what everything else is built on. A fall can be lost customers, lower prices, or a business the company sold — the filing itself says which.
Improved: -1.4%
121.4M to 119.8MNotable
Why it matters: The company bought back stock, so each remaining holding owns slightly more of it. Worth checking it was not funded by borrowing.
Q2 FY2026 against Q1 FY2026, from the 10-Q filed Aug 5, 2026 — read it. Quarter-to-quarter moves include seasonal swings — a retailer's holiday quarter — which the year-earlier comparison removes.
Improved: +10.9 pts
30.5% to 41.4%Critical
Why it matters: What survives to the very end of each sale. Worth reading beside revenue: growing sales on a shrinking margin means the company is buying its growth.
Improved: -82.9%
$120.5M to $20.6MCritical
Why it matters: Rising debt is not automatically bad — borrowing to build something that earns more than the interest is ordinary. It matters when it grows faster than the profit meant to service it.
Improved: +37.2%
$84.3M to $115.6MSignificant
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Improved: +37.1%
$0.70 to $0.97Significant
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Deteriorated: -7.7%
$493.1M to $455.1MNotable
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
Figures compare the two most recent annual filings — read the latest one. Moves are graded on fixed lines — 5%, 15% and 40% for amounts, and 1, 3 and 8 points for margins — as notable, significant or critical. Nothing here reads the management commentary, which is where a company explains its own numbers.
These coincide with the move in time. None is presented as its cause: a price can move on news that names no company, on the wider market, or on trading that no document records.
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Collected by FINRA from broker-dealers twice a month. It counts positions, not intentions, and some of it is hedging rather than a directional bet against the company.
Nothing in this section is a figure this company reported about itself. These are expectations and positions — what the price implies, what analysts have published, what short sellers are betting, and what large funds held at the last count. WylthIQ reports them; it does not endorse them, does not forecast prices, and takes no view on whether any of them will turn out to be right.
The trailing P/E is 12.1x — investors pay $12.1 for each $1 of trailing profit.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Reported annual figures
Had shares withheld to cover taxes — 514 shares at $36.74 ($18.9K)
Holds 20,680 shares after this filing.
Bought on the open market — 2,101 shares at $35.35 ($74.3K)
Holds 3,689 shares after this filing.
Was granted or awarded shares — 1,588 shares
Holds 1,588 shares after this filing.
Gifted shares — 1,500 shares
Holds 57,877 shares after this filing.
Notice filed ahead of a planned sale — the sale itself has not necessarily happened yet.
Filed notice to sell 25,000 shares ($885.3K) on or after .
Shares originally obtained via Restricted Stock.
Estimated from how often this has happened before, not a confirmed date.
Not investment advice, and not a signal to act on by itself — a filing says what happened, not why, and insiders trade for ordinary reasons having nothing to do with where they think the company is headed.
Made a Regulation FD disclosure
Reported another event
Read the filingHad a director or senior officer leave or join · Made a Regulation FD disclosure
Read the filingQuarterly report for Q2 FY2026
Revenue +7.3% · Profit margin +11.2 pts · Profit +46.9% — against Q2 FY2025
Read the filingHad a director or senior officer leave or join · Made a Regulation FD disclosure
Read the filingReported another event
Read the filingPublished results · Made a Regulation FD disclosure
Read the filingReported another event
Read the filingSigned a material agreement · Made a Regulation FD disclosure
Read the filingHeld a shareholder vote
Read the filingQuarterly report for Q1 FY2026
Revenue +11.6% · Profit margin +1.7 pts · Long-term debt -52.6% — against Q1 FY2025
Read the filingHad a director or senior officer leave or join · Made a Regulation FD disclosure
Read the filingPublished results · Made a Regulation FD disclosure
Read the filingReported another event
Read the filingProxy statement for a shareholder meeting
Read the filingAnnual report for FY2025
Revenue +11.7% · Profit margin +4.3 pts · Long-term debt -52.6% — against FY2024
Read the filingPublished results · Made a Regulation FD disclosure
Read the filingReported another event
Read the filingSource: Exhibit 21 of the 10-K filed 2026-02-17. These are legal entities, not brands or acquisitions — a company that bought a business may hold it inside an entity named here, or inside one small enough that the rule does not require naming it at all.
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