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/research/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,, FMR, VANGUARD PORTFOLIO MANAGEMENT. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/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.

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

64.8/100

Rank #616 of 2,879 stocksTOP 25%

View Financials peers →

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

Revenue Growth

61.0/100

Profitability

90.5/100

Balance Sheet

44.2/100

Earnings Quality

59.0/100

Free Cash Flow

85.5/100

Institutional Flow

37.8/100

Revenue Scale

49.5/100

Dilution Risk

55.2/100

UCB Stock Analysis & AI Quality Score

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 64.8/100 on a 32-signal composite quality model, placing it at rank #616 of 2,879 stocks — the top 25% of the AI-ranked universe. UCB scores in the top quartile across profitability (90.5), free cash flow (85.5). Areas of concern include institutional flow (37.8), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), UNITED COMMUNITY BANKS INC reports quarterly revenue of $276.5M, net income of $84.3M, an operating margin of 39.2%. Top institutional holders of UCB by reported 13-F value include BlackRock,, FMR, VANGUARD PORTFOLIO MANAGEMENT, 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 64.8 — a stable long-term trajectory across 28 quarterly and live scoring snapshots.

Revenue

Q1 2026

$276.5M

Net Income

Q1 2026

$84.3M

Free Cash Flow

Q1 2026

$62.4M

Operating Margin

Q1 2026

39.2%

D/E Ratio

Q1 2026

0.03

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

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2019
Revenue	$1.06B +11.7%	$952.1M +6.6%	$893.2M +8.1%	$826.2M +11.0%	$744.4M +32.7%	$561.0M
Net Income	$328.1M +30.0%	$252.4M +34.6%	$187.5M -32.4%	$277.5M +2.8%	$269.8M +45.3%	$185.7M
EPS (Diluted)	$2.62 +28.4%	$2.04 +32.5%	$1.54 -38.9%	$2.52 -15.2%	$2.97 +28.6%	$2.31
Total Assets	$28.00B +1.0%	$27.72B +1.5%	$27.30B +13.7%	$24.01B +14.6%	$20.95B +62.2%	$12.92B
Total Debt	$205.4M -54.3%	$449.2M +38.3%	$324.8M -32.8%	$483.6M +95.5%	$247.4M +16.3%	$212.7M
Operating Cash Flow	$384.0M +9.8%	$349.7M +19.0%	$294.0M -51.6%	$607.3M +69.0%	$359.3M +133.4%	$153.9M

AI Insight: UCB Financial Trends

United Community Banks delivered strong revenue growth of 16% year-over-year in Q4 2025 while substantially reducing total debt by 54% from peak levels.

• Revenue grew from $251M in Q4 2024 to $278M in Q4 2025, representing 11% year-over-year growth.

• Total debt decreased dramatically from $449M in Q4 2024 to $205M in Q4 2025, a 54% reduction.

• Net income rose from $76M in Q4 2024 to $86M in Q4 2025, showing 13% year-over-year improvement.

• Equity strengthened from $3,432M in Q4 2024 to $3,639M in Q4 2025, up 6%.

⚠ Operating cash flow declined sharply from $123M in Q3 2025 to $65M in Q4 2025.

⚠ Net income dipped from $91M in Q3 2025 to $86M in Q4 2025 despite revenue growth.

AI Insight: UCB Ratio Trends

United Community Banks delivered substantial operating leverage with operating margin expanding from 33.9% in Q1 2024 to 40.5% in Q4 2025.

• Operating margin expanded from 33.9% in Q1 2024 to 40.5% in Q4 2025, with peak of 42.6% in Q3 2025.

• ROE strengthened from 7.6% in Q1 2024 to 9.5% in Q4 2025, reaching 10.2% in Q3 2025.

• ROIC improved from 8.9% in Q1 2024 to 11.7% in Q4 2025, peaking at 12.6% in Q3 2025.

• Debt-to-equity ratio declined from 0.10 in early 2024 to 0.06 in Q4 2025, showing deleveraging.

⚠ Operating margin retreated from Q3 2025 peak of 42.6% to 40.5% in Q4 2025.

⚠ ROE and ROIC both declined sequentially from Q3 2025 highs to Q4 2025 levels.

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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.
$562.5M17,861,636 sh
FMR LLC
$281.8M8,950,235 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$253.3M8,044,992 sh
DIMENSIONAL FUND ADVISORS LP
$205.3M6,520,132 sh
STATE STREET CORP
$197.8M6,232,961 sh
VANGUARD CAPITAL MANAGEMENT LLC
$169.3M5,376,189 sh
Neuberger Berman Group LLC
$109.9M3,490,768 sh
EARNEST PARTNERS LLC
$105.7M3,357,075 sh
GEODE CAPITAL MANAGEMENT, LLC
$93.8M2,978,389 sh
GOLDMAN SACHS GROUP INC
$58.7M1,865,537 sh

Fund	Value	Shares
BlackRock, Inc.	$562.5M	17,861,636
FMR LLC	$281.8M	8,950,235
VANGUARD PORTFOLIO MANAGEMENT LLC	$253.3M	8,044,992
DIMENSIONAL FUND ADVISORS LP	$205.3M	6,520,132
STATE STREET CORP	$197.8M	6,232,961
VANGUARD CAPITAL MANAGEMENT LLC	$169.3M	5,376,189
Neuberger Berman Group LLC	$109.9M	3,490,768
EARNEST PARTNERS LLC	$105.7M	3,357,075
GEODE CAPITAL MANAGEMENT, LLC	$93.8M	2,978,389
GOLDMAN SACHS GROUP INC	$58.7M	1,865,537

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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.

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.