UCB United Community Banks (UCB) Insider Trading, Ownership & Congress Trades
Banks · State commercial banks · CIK 0000857855
Form 144 · 1
House members buying, 1 year
0
STOCK Act, US House only, disclosed up to 45 days after the trade
Funds added, last quarter
0
13F, latest reported quarter
What the filings say about UCB
Insiders, 180 days
-$910.9K net sold
1 buyer · 2 sellers · 0% of sales under a 10b5-1 plan
Congress, 1 year
No trades
Last one: sale, 2025-05-12
Planned sales (Form 144), 90 days
$775.5K
1 notice
United Community Banks insider trades (Form 4)
Form 4 buys and sells (codes P and S). Grants, option exercises
and conversions excluded.
Over the last 180 days, UNITED COMMUNITY BANKS INC insiders sold a net $910.9K of stock across 25 Form 4 purchases and sales, with 1 insider buying. Source: SEC Form 4 filings, as of 2026-10-28.
Insider
Filed
Shares
Value
Since filing
Context
- 12 earlier Form 4 trades (code P or S) here by this insider (12 sales), the last on Jul 27, 2026.
- The trade is 1.6% of the 82,060 shares held after it.
- No other insider sold within 30 days.
Insider activity: EVP, Chief Banking Officer BRADSHAW RICHARD sold about $49.8K of UCB on Oct 26, 2026.Context
- 12 earlier Form 4 trades (code P or S) here by this insider (12 sales), the last on Jul 27, 2026.
- The trade is 0.0% of the 82,054 shares held after it.
- No other insider sold within 30 days.
Insider activity: EVP, Chief Banking Officer BRADSHAW RICHARD sold about $222 of UCB on Oct 26, 2026.Context
- First Form 4 purchase or sale (code P or S) here by this insider on our record.
- The trade is 57.0% of the 3,689 shares held after it.
- No other insider bought within 30 days.
Insider activity: Director Carande Carl Steven bought about $74.3K of UCB on Aug 10, 2026, the largest insider purchase at the company on our record.Context
- 2 earlier Form 4 trades (code P or S) here by this insider (2 sales), the last on Oct 28, 2024.
- The trade is 66.8% of the 37,433 shares held after it.
- 1 other insider sold within 30 days.
Insider activity: EVP, CFO HARRALSON JEFFERSON L sold about $885.2K of UCB on Jul 28, 2026, the largest insider sale at the company since 2025; 1 other insider sold within 30 days.Context
- 10 earlier Form 4 trades (code P or S) here by this insider (10 sales), the last on Apr 27, 2026.
- The trade is 1.7% of the 83,230 shares held after it.
- 1 other insider sold within 30 days.
Insider activity: EVP, Chief Banking Officer BRADSHAW RICHARD sold about $49.9K of UCB on Jul 27, 2026; 1 other insider sold within 30 days.25 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
Seven facts, ranked against the sector ·
Rank is not a forecast
Insiders
net -$910.9K over 180 days
+$24.3K over 90 days
below 69% of Banks
Congress
no House purchase disclosed in the last 12 months
Funds
under five funds report holding it
Revenue
+11.7% year over year
more than 74% of Banks
Margin
30.9% net margin
below 72% of Banks
Buybacks
$37.1M repurchased, FY to 2026-06-30
more than 73% of Banks
Short interest
4.6% of the float short (float per yahoo 2026-10-27) · 5.5 days to cover · settled 2026-10-15
more than 73% of Banks
What changed in the last 30 days
Oct 26EVP, Chief Banking Officer BRADSHAW RICHARD sold $50.0K (Oct 26)
Oct 23Officer HARRALSON JEFFERSON L filed to sell $775.5K by Oct 23 (Form 144)
Why it matters
A Form 144 is a notice of intent to sell; the sale may not happen, and it says nothing about the price.
Watch UCB
A free account keeps a watchlist and can send one email a day when insiders, funds or Congress file on the names in it. No password and no card.
The year, with the filings on it
Total return over 12 months. Each marker is a filing; hover or tap one for the detail.
+26.0%12M
Insider buyInsider sellForm 144 (planned sale)
Indexed to 100, dividend-adjusted, not a price chart.
When a name files heavily, the largest trades are drawn first.
Who owns UCB: institutional holders (13F)
13F holdings, latest reported quarter
SEC 13F
No reported 13F holders
No fund above the reporting threshold listed this stock last quarter. That is a fact, not missing data.
Congress trades in UCB
STOCK Act disclosures, US House only, filed up to 45 days after the trade
Sold 2025-05-12 · disclosed 41 days later
$50,001 - $100,000
Bought 2025-03-31 · disclosed 11 days later
$15,001 - $50,000
Activist and 5% holders (13D/13G)
No 5%+ ownership filings
Nobody has filed for crossing 5%. That is a fact, not missing data.
UCB planned insider sales (Form 144)
Notice of intent to sell, filed before any sale
HARRALSON JEFFERSON L
Filed 2026-10-23
$775.5K
HARRALSON JEFFERSON L
Filed 2026-07-27
$885.3K
Executive pay vs shareholder return · Mr. Harton
CEO pay, headline and as actually paid, against the company's
return and its chosen peers' (DEF 14A).
FY
CEO total
Actually paid
Other execs, avg
TSR
Peer TSR
2023
$3.7M
$2.9M
$1.2M
+7%
-3%
2022
$2.5M
$2.9M
$921.9K
+19%
+11%
2021
$3.0M
$4.4M
$1.1M
+23%
+32%
2020
$3.4M
$2.9M
$1.0M
-5%
-8%
Tagged by the company under SEC Item 402(v). Returns are
cumulative from the start of the disclosure period. Green where the company beat its own peer group.
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
Insiders have filed to sell, before selling.
The record shows a net $910.9K sold by insiders over 180 days, $775.5K in planned Form 144 sales. Each figure is a federal filing, dated the day it went public.
UCB financials
Revenue growth
+11.7%
XBRL, annual
Net margin
30.9%
Ratios from the company's XBRL filings, latest filings
Revenue, TTM
$1.1B
four quarters, 2025-07-01 to 2026-06-30
Revenue, TTM UCB
| FY Dec 2025 | $1.1B |
| FY Dec 2024 | $952.1M |
| FY Dec 2023 | $893.2M |
| FY Dec 2022 | $826.2M |
| FY Dec 2021 | $744.4M |
| Jun 2026 | $279.3M |
| Mar 2026 | $276.5M |
| Dec 2025 | $278.4M |
| Sep 2025 | $276.8M |
| Jun 2025 | $260.2M |
| Mar 2025 | $247.7M |
| Dec 2024 | $250.9M |
| Sep 2024 | $217.3M |
At each fiscal year end
Single quarter
Net margin, TTM
+34.0%
net income over revenue, 2025-07-01 to 2026-06-30
Net margin, TTM UCB
| FY Dec 2025 | +30.9% |
| FY Dec 2024 | +26.5% |
| FY Dec 2023 | +21.0% |
| FY Dec 2022 | +33.6% |
| FY Dec 2021 | +36.2% |
| Jun 2026 | +41.4% |
| Mar 2026 | +30.5% |
| Dec 2025 | +31.1% |
| Sep 2025 | +33.0% |
| Jun 2025 | +30.3% |
| Mar 2025 | +28.8% |
| Dec 2024 | +30.2% |
| Sep 2024 | +21.8% |
At each fiscal year end
Single quarter
Free cash flow, TTM
$361.2M
operating cash flow minus capex, 2025-07-01 to 2026-06-30
Free cash flow, TTM UCB
| FY Dec 2025 | $356.5M |
| FY Dec 2024 | $302.7M |
| FY Dec 2023 | $221.5M |
| FY Dec 2022 | $564.6M |
| FY Dec 2021 | $332.8M |
| Jun 2026 | $121.4M |
| Mar 2026 | $62.4M |
| Dec 2025 | $59.7M |
| Sep 2025 | $117.7M |
| Jun 2025 | $84.7M |
| Mar 2025 | $94.3M |
| Dec 2024 | $142.6M |
| Sep 2024 | -$2.2M |
At each fiscal year end
Single quarter
Debt to equity
0.10x
long-term 2026-06-30 plus current 2026-06-30; equity 2026-06-30
Debt to equity UCB
| FY Dec 2025 | 0.06x |
| FY Dec 2024 | 0.13x |
| FY Dec 2023 | 0.10x |
| FY Dec 2022 | 0.18x |
| FY Dec 2021 | 0.11x |
| Jun 2026 | 0.10x |
| Mar 2026 | 0.03x |
| Dec 2025 | 0.06x |
| Sep 2025 | 0.04x |
| Jun 2025 | 0.04x |
| Mar 2025 | 0.07x |
| Dec 2024 | 0.13x |
| Sep 2024 | 0.09x |
At each fiscal year end
Trailing four quarters at each quarter end
Cash flow to debt
1.02x
TTM operating cash flow over long-term 2026-06-30 plus current 2026-06-30
Cash flow to debt UCB
| FY Dec 2025 | 1.87x |
| FY Dec 2024 | 0.78x |
| FY Dec 2023 | 0.91x |
| FY Dec 2022 | 1.26x |
| FY Dec 2021 | 1.45x |
| Jun 2026 | 1.02x |
| Mar 2026 | 2.94x |
| Dec 2025 | 1.87x |
| Sep 2025 | 3.01x |
| Jun 2025 | 2.26x |
| Mar 2025 | 1.41x |
| Dec 2024 | 0.78x |
| Sep 2024 | 0.71x |
At each fiscal year end
Trailing four quarters at each quarter end
Return on equity
+10.3%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on equity UCB
| FY Dec 2025 | +9.3% |
| FY Dec 2024 | +7.5% |
| FY Dec 2023 | +6.3% |
| FY Dec 2022 | +11.3% |
| FY Dec 2021 | +12.8% |
| Jun 2026 | +10.3% |
| Mar 2026 | +9.5% |
| Dec 2025 | +9.3% |
| Sep 2025 | +9.1% |
| Jun 2025 | +7.9% |
| Mar 2025 | +7.7% |
| Dec 2024 | +7.5% |
| Sep 2024 | +5.8% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on assets
+1.3%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on assets UCB
| FY Dec 2025 | +1.2% |
| FY Dec 2024 | +0.9% |
| FY Dec 2023 | +0.7% |
| FY Dec 2022 | +1.2% |
| FY Dec 2021 | +1.4% |
| Jun 2026 | +1.3% |
| Mar 2026 | +1.2% |
| Dec 2025 | +1.2% |
| Sep 2025 | +1.1% |
| Jun 2025 | +1.0% |
| Mar 2025 | +0.9% |
| Dec 2024 | +0.9% |
| Sep 2024 | +0.7% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on invested capital
n/a
fewer than four consecutive quarters of operating income
Return on invested capital UCB
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Return on capital employed
n/a
fewer than four consecutive quarters of operating income
Return on capital employed UCB
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
P/E, trailing
12.05x
close 2026-10-27 over four quarters of diluted EPS, 2025-07-01 to 2026-06-30
P/E, trailing UCB
| FY Dec 2025 | 11.92x |
| FY Dec 2024 | 15.84x |
| FY Dec 2023 | 19.00x |
| FY Dec 2022 | 13.41x |
| FY Dec 2021 | 12.10x |
| Jun 2026 | 11.50x |
| Mar 2026 | 11.53x |
| Dec 2025 | 11.92x |
| Sep 2025 | 12.44x |
| Jun 2025 | 13.54x |
| Mar 2025 | 13.33x |
| Dec 2024 | 15.84x |
| Sep 2024 | 19.01x |
At each fiscal year end
Trailing four quarters at each quarter end
Enterprise value
$4.5B
market value at close 2026-10-27 on 2026-08-03 shares, plus long-term 2026-06-30 plus current 2026-06-30, minus cash 2017-12-31
Enterprise value UCB
| FY Dec 2025 | $3.7B |
| FY Dec 2024 | $4.0B |
| FY Dec 2023 | $3.5B |
| FY Dec 2022 | $3.8B |
| FY Dec 2021 | $3.1B |
| Jun 2026 | $4.3B |
| Mar 2026 | $3.6B |
| Dec 2025 | $3.7B |
| Sep 2025 | $3.6B |
| Jun 2025 | $3.5B |
| Mar 2025 | $3.3B |
| Dec 2024 | $4.0B |
| Sep 2024 | $3.5B |
At each fiscal year end
Trailing four quarters at each quarter end
FCF yield
+8.2%
TTM free cash flow over market value at close 2026-10-27
FCF yield UCB
| FY Dec 2025 | +9.4% |
| FY Dec 2024 | +7.9% |
| FY Dec 2023 | +6.4% |
| FY Dec 2022 | +15.7% |
| FY Dec 2021 | +10.4% |
| Jun 2026 | +8.6% |
| Mar 2026 | +8.6% |
| Dec 2025 | +9.4% |
| Sep 2025 | +11.5% |
| Jun 2025 | +8.8% |
| Mar 2025 | +9.6% |
| Dec 2024 | +7.9% |
| Sep 2024 | +4.9% |
At each fiscal year end
Trailing four quarters at each quarter end
PEG, trailing
0.31x
P/E over trailing EPS growth of 39%: four quarters to 2026-06-30 against the four to 2025-06-30
PEG, trailing UCB
| FY Dec 2025 | 0.42x |
| FY Dec 2024 | 0.49x |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | 0.21x |
| Jun 2026 | 0.30x |
| Mar 2026 | 0.39x |
| Dec 2025 | 0.42x |
| Sep 2025 | 0.19x |
| Jun 2025 | 0.32x |
| Mar 2025 | 0.35x |
| Dec 2024 | 0.49x |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Price as of 2026-10-27. Hover or tap a tile for its yearly and quarterly history.
Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
| 2025-12 | 2024-12 | 2023-12 | 2022-12 | |
|---|---|---|---|---|
| Revenue | $1.1B | $952.1M | $893.2M | $826.2M |
| Net income | $328.1M | $252.4M | $187.5M | $277.5M |
| EPS (diluted) | 2.62 | 2.04 | 1.54 | 2.52 |
| Operating cash flow | $384.0M | $349.7M | $294.0M | $607.3M |
| Long-term debt | $120.4M | $254.2M | $324.8M | $324.7M |
| Buybacks | $44.3M | $0 | $0 | $0 |
| Dividends paid | $118.5M | $112.3M | $105.1M | $86.9M |
SEC XBRL, fiscal years, as known on 2026-10-28
UCB Stock Sonar score 5/7 axes
Find similar shapesCompareUCB ranks highest on growth (74th percentile) and financial health (73rd), and lowest on insider conviction (39th), among Banks peers.
5 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored
UCB filings, in plain words
Are United Community Banks insiders buying or selling UCB?
In the 180 days to 2026-10-28, United Community Banks insiders were net sellers, a net $910.9K: $74.3K of purchases and $985.2K of sales reported on Form 4, by 1 buyer and 2 sellers.
Have members of Congress traded UCB?
Yes, but not in the year to 2026-10-28; the latest on record is a sale by Jefferson Shreve dated 2025-05-12.
Are there planned insider sales of UCB?
Yes. 1 Form 144 notice of planned insider sales was filed in the 90 days to 2026-10-28, covering $775.5K of stock; the latest, by HARRALSON JEFFERSON L, was filed 2026-10-23.
Read the full summary
In the 180 days to 2026-10-28, United Community Banks insiders were net sellers of UCB, a net $910.9K across purchases and sales reported on Form 4 by 1 buyer and 2 sellers. Sales outweighed purchases more than tenfold by value. None of the 5 insider sales was flagged as made under a Rule 10b5-1 plan. Members of Congress have disclosed trades in UCB, none in the last year; the latest on record is a sale by Jefferson Shreve dated 2025-05-12. Insiders filed 1 Form 144 notice of intent to sell in the 90 days to 2026-10-28, covering $775.5K of stock. Each figure is counted from SEC and House filings as of 2026-10-28, dated the day the filing was made public.
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