What is the 13F Pro Quality Score for UCB?

13F Pro ranks UNITED COMMUNITY BANKS INC (UCB) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View UCB's current score at https://13fpro.ai/company/UCB (free sign-up required for the full ranking).

Which hedge funds own the most UCB stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of UCB include BlackRock,, VANGUARD PORTFOLIO MANAGEMENT, FMR. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/UCB as soon as new 13F filings post.

Where does 13F Pro source UCB data?

All UNITED COMMUNITY BANKS INC fundamentals and ownership data come directly from SEC EDGAR. UNITED COMMUNITY BANKS INC files with the SEC under CIK 857855. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is UCB in?

UNITED COMMUNITY BANKS INC (UCB) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives UCB's revenue?

Per UNITED COMMUNITY BANKS INC's latest 10-Q filed with the SEC on 2026-08-05, the biggest revenue drivers are: Net interest revenue ($240.9M, +7% YoY); Noninterest income ($38.4M, +11% YoY); Mortgage loan gains and other related fees ($6.8M, +26% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/UCB.

What are UCB's largest expenses?

UNITED COMMUNITY BANKS INC's latest 10-Q reports these as the largest expense items: Salaries and employee benefits ($96.2M, +11% YoY); Communications and equipment ($13.7M, +3% YoY); Occupancy ($11.2M, +3% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is UCB research updated on 13F Pro?

UCB's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

UNITED COMMUNITY BANKS INC(UCB)Stock Analysis

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13F Pro Quality Score

65.0/100

Rank #516 of 2,962 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

62.6/100

Profitability

94.8/100

Balance Sheet

47.3/100

Earnings Quality

35.9/100

Free Cash Flow

85.8/100

Institutional Flow

58.7/100

Revenue Scale

51.8/100

Dilution Risk

54.9/100

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Why UCB Scores 65/100

exact factor attribution · 2026-09-11

UCB's composite is driven by profitability and free cash flow, held back by earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+9.0 pts

95th pct

Free cash flow

+5.4 pts

86th pct

Revenue growth

+3.4 pts

63th pct

Earnings growth

+1.8 pts

77th pct

Institutional flow

+0.6 pts

59th pct

Scale

+0.4 pts

52th pct

Shareholder dilution

+0.3 pts

55th pct

Capital efficiency

-0.4 pts

47th pct

Earnings quality

-1.4 pts

36th pct

Latest change (2026-08-05): 65 → 65 · ↓ Revenue growth 61→48; despite ↑ Earnings growth 59→71

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

UCB Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for UNITED COMMUNITY BANKS INC (UCB), a Financials sector company. 13F Pro's AI-powered ranking engine scores UCB at 65.0/100 on a 32-signal composite quality model, placing it at rank #516 of 2,962 stocks — the top 25% of the AI-ranked universe. UCB scores in the top quartile across profitability (94.8), free cash flow (85.8). Areas of concern include earnings quality (35.9), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), UNITED COMMUNITY BANKS INC reports quarterly revenue of $279.3M, net income of $115.6M, an operating margin of 53.4%. Top institutional holders of UCB by reported 13-F value include BlackRock, VANGUARD PORTFOLIO MANAGEMENT, FMR, based on the most recent SEC filings. UCB trades on the NYSE exchange and files with the SEC under CIK 857855. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate UCB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for UNITED COMMUNITY BANKS INC directly from SEC EDGAR. UNITED COMMUNITY BANKS INC's 13F Pro composite quality score has ranged between 57 and 70 since 2021, currently 65.0 — a stable long-term trajectory across 68 quarterly and live scoring snapshots.

What's Driving UCB's Business? Latest 10-Q Breakdown

✓ 21/21 datapoints verified

AI-extracted from UNITED COMMUNITY BANKS INC's 10-Q filed 2026-08-05 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Total revenue rose 7% YoY to $279.3M as net interest margin expanded to 3.68%, while GAAP net income of $115.6M was boosted by a one-time $38.5M ACL release tied to the pending Navitas sale.

Biggest Revenue Drivers

Net interest revenue$240.9M+7% YoY

Increase mostly driven by lower deposit interest expense as funding costs fell faster than loan yields following Fed rate cuts

Noninterest income$38.4M+11% YoY

Driven by higher mortgage loan gains and related fees and higher unrealized gains on the other investment portfolio

Biggest Revenue Drivers

Total revenue: $279.3M+7% YoY

Net interest revenue$240.9M+7% YoY

Increase mostly driven by lower deposit interest expense as funding costs fell faster than loan yields following Fed rate cuts

Noninterest income$38.4M+11% YoY

Driven by higher mortgage loan gains and related fees and higher unrealized gains on the other investment portfolio

Within Noninterest income

Mortgage loan gains and other related fees$6.8M+26% YoY

Primarily an increase in mortgage servicing income including fair value adjustments to the mortgage servicing asset

Other noninterest income$11.25M+27% YoY

Higher other investment income from mutual funds, fintech and limited partnership investments, and treasury management income

Largest Expense Items

Salaries and employee benefits$96.2M+11% YoY

Higher salaries and incentive compensation, higher group medical expense, annual merit increases effective April 1, 2026, and 3% growth in full-time equivalent employees

Communications and equipment$13.7M+3% YoY

Not separately explained in filing

Occupancy$11.2M+3% YoY

Not separately explained in filing

Professional fees$6.9M+22% YoY

Higher legal fees driven by the Navitas California lender licensing issue and other non-recurring legal expenses

Margins: Net interest margin (FTE) rose to 3.68% from 3.50% a year ago, as the decrease in deposit rates outpaced the decline in loan yields following 75 bps of aggregate Fed rate cuts over the past year.

Watch Items from the Filing

Negative provision for credit losses of $29.8M reflects a $38.5M release of the ACL on equipment financing loans reclassified to held for sale ahead of the Navitas divestiture, not an improvement in underlying credit quality.
United agreed to sell Navitas (equipment financing subsidiary) for ~$1.99 billion cash, expected to close in Q3 2026, to focus on core relationship banking and strengthen liquidity and capital.
NPAs increased to $103.4M (0.36% of assets) from $93.5M at year-end 2025, driven by a small population of larger owner-occupied CRE loans moving to nonaccrual.
United closed the acquisition of Peach State Bancshares ($786M total assets) on August 1, 2026 for $103M consideration (50% cash/50% stock), adding integration risk per the newly added risk factor.
Uninsured deposits totaled approximately $9.48 billion (about 40% of total deposits), of which $2.79 billion was collateralized by investment securities.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$279.3M

Net Income

Q2 2026

$115.6M

Free Cash Flow

Q2 2026

$121.4M

Operating Margin

Q2 2026

53.4%

ROIC

Q2 2026

14.5%

D/E Ratio

Q2 2026

0.10

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+11.7% YoY

$1.06BFY 2025

FY22 $826.2MFY23 $893.2MFY24 $952.1MFY25 $1.06B

Net Income

+30.0% YoY

$328.1MFY 2025

FY22 $277.5MFY23 $187.5MFY24 $252.4MFY25 $328.1M

EPS (Diluted)

+28.4% YoY

$2.62FY 2025

FY22 $2.52FY23 $1.54FY24 $2.04FY25 $2.62

Total Assets

+1.0% YoY

$28.00BFY 2025

FY22 $24.01BFY23 $27.30BFY24 $27.72BFY25 $28.00B

Total Debt

-54.3% YoY

$205.4MFY 2025

FY22 $483.6MFY23 $324.8MFY24 $449.2MFY25 $205.4M

Op. Cash Flow

+9.8% YoY

$384.0MFY 2025

FY22 $607.3MFY23 $294.0MFY24 $349.7MFY25 $384.0M

Free Cash Flow

+17.8% YoY

$356.5MFY 2025

FY22 $564.6MFY23 $221.5MFY24 $302.7MFY25 $356.5M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$1.06B +11.7%	$952.1M +6.6%	$893.2M +8.1%	$826.2M +11.0%	$744.4M +28.9%	$577.4M
Net Income	$328.1M +30.0%	$252.4M +34.6%	$187.5M -32.4%	$277.5M +2.8%	$269.8M +64.4%	$164.1M
EPS (Diluted)	$2.62 +28.4%	$2.04 +32.5%	$1.54 -38.9%	$2.52 -15.2%	$2.97 +55.5%	$1.91
Total Assets	$28.00B +1.0%	$27.72B +1.5%	$27.30B +13.7%	$24.01B +14.6%	$20.95B +17.7%	$17.79B
Total Debt	$205.4M -54.3%	$449.2M +38.3%	$324.8M -32.8%	$483.6M +95.5%	$247.4M -24.3%	$327.0M
Operating Cash Flow	$384.0M +9.8%	$349.7M +19.0%	$294.0M -51.6%	$607.3M +69.0%	$359.3M +126.4%	$158.7M
Free Cash Flow	$356.5M +17.8%	$302.7M +36.7%	$221.5M -60.8%	$564.6M +69.6%	$332.8M +137.4%	$140.2M

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Available Research

13F Pro tracks comprehensive data for UNITED COMMUNITY BANKS INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of UCB

BlackRock, Inc.
$614.4M17,508,114 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$284.9M8,117,742 sh
FMR LLC
$281.7M8,027,052 sh
DIMENSIONAL FUND ADVISORS LP
$233.0M6,641,192 sh
STATE STREET CORP
$231.1M6,538,953 sh
VANGUARD CAPITAL MANAGEMENT LLC
$190.2M5,421,389 sh
Neuberger Berman Group LLC
$123.5M3,519,022 sh
EARNEST PARTNERS LLC
$113.4M3,232,896 sh
GEODE CAPITAL MANAGEMENT, LLC
$109.5M3,118,742 sh
Invesco Ltd.
$77.7M2,214,478 sh

Fund	Value	Shares
BlackRock, Inc.	$614.4M	17,508,114
VANGUARD PORTFOLIO MANAGEMENT LLC	$284.9M	8,117,742
FMR LLC	$281.7M	8,027,052
DIMENSIONAL FUND ADVISORS LP	$233.0M	6,641,192
STATE STREET CORP	$231.1M	6,538,953
VANGUARD CAPITAL MANAGEMENT LLC	$190.2M	5,421,389
Neuberger Berman Group LLC	$123.5M	3,519,022
EARNEST PARTNERS LLC	$113.4M	3,232,896
GEODE CAPITAL MANAGEMENT, LLC	$109.5M	3,118,742
Invesco Ltd.	$77.7M	2,214,478

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Is UCB a good stock to buy?

13F Pro's AI-powered analysis of UNITED COMMUNITY BANKS INC (UCB) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for UCB are available on the UCB stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. UCB is classified as a mid company.

Which hedge funds own UCB?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling UCB. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of UNITED COMMUNITY BANKS INC's investment landscape.