Security
United Community Banks Inc. Depositary Shares each representing 1/1000th interest in a share of Series I Non-Cumulative Preferred Stock · UCB PRI
UCB PRINYSEPreferred stockHistorical · closed Sep 12, 2025CIK 857855Updated Oct 30, 2026
Current security for this SEC filerUCB · NYSE
UCB PRI price & chart
Historical security
This listing closed Sep 12, 2025. Live provider charts are shown only for current listings.
Current security: UCB
About the company
United Community Banks, Inc. (NYSE: UCB) is the financial holding company for United Community Bank (United Community), a top-100 U.S. financial institution committed to building stronger communities and improving the financial health and well-being of its customers. United Community offers a full range of banking, mortgage and wealth management services. As of September 30, 2026, United had $28.9 billion in assets and operated 202 offices across Alabama, Florida, Georgia, North Carolina, South Carolina and Tennessee. The company also manages a nationally recognized SBA lending franchise, extending its reach to businesses across the country. United Community is the most awarded bank in the Southeast for Retail Banking Customer Satisfaction by J.D. Power, earning more awards than any other bank in the region, including recognition in 12 of the last 17 years. The company has also been named one of the “Best Banks to Work For” by American Banker for nine consecutive years. In commercial banking, United Community earned multiple 2026 Greenwich Best Bank awards for Small Business Banking. Forbes has consistently named United Community among the World’s Best and America’s Best Banks. Lea…
In the news
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Recent filings
13F-NT filing
Results of Operations and Financial Condition · Regulation FD Disclosure
Items 2.02, 7.01, 9.01
Regulation FD Disclosure
Items 7.01, 9.01
Regulation FD Disclosure
Items 7.01, 9.01
4 filing
Show 5 more recent filings
Financials
FY 2025 · USDSource
Source
Source
balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | 28,143,473,000Source | 27,373,132,000Source | 29,051,142,000Source | 28,085,521,000Source | 27,057,201,000Source | 28,176,582,000Source | 27,873,718,000Source | 27,364,888,000Source | 28,002,554,000Source | 27,720,258,000Source | 27,297,251,000Source | 24,008,884,000Source |
| Property, Plant and Equipment, NetUSD | 394,536,000Source | 396,696,000Source | 394,343,000Source | 396,479,000Source | 395,202,000Source | 391,883,000Source | 391,020,000Source | 386,052,000Source | 393,714,000Source | 394,264,000Source | 378,421,000Source | 298,456,000Source |
| GoodwillUSD | 925,119,000Source | 916,153,000Source | — | 925,119,000Source | 916,153,000Source | — | — | 921,253,000Source | 925,119,000Source | 907,090,000Source | 919,914,000Source | 751,174,000Source |
| Operating Lease, Right-of-Use AssetUSD | — | — | — | — | — | — | — | — | 37,045,000Source | 42,818,000Source | 42,810,000Source | 40,003,000Source |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | 24,546,622,000Source | 23,966,452,000Source | 25,306,138,000Source | 24,472,597,000Source | 23,714,568,000Source | 24,521,916,000Source | 24,372,822,000Source | 24,064,778,000Source | 24,363,868,000Source | 24,288,131,000Source | 24,035,726,000Source | 21,308,210,000Source |
| Stockholders’ equity: | ||||||||||||
| Common Stock, Value, IssuedUSD | 121,553,000Source | 119,283,000Source | 119,764,000Source | 121,431,000Source | 119,175,000Source | 119,684,000Source | 119,514,000Source | 119,137,000Source | 120,598,000Source | 119,364,000Source | 119,010,000Source | 106,223,000Source |
| Additional Paid in CapitalUSD | 2,767,143,000Source | 2,707,266,000Source | 2,724,530,000Source | 2,764,617,000Source | 2,705,345,000Source | 2,721,132,000Source | 2,711,721,000Source | 2,702,807,000Source | 2,754,399,000Source | 2,710,279,000Source | 2,699,112,000Source | 2,306,366,000Source |
| Retained Earnings (Accumulated Deficit)USD | 858,395,000Source | 668,965,000Source | 1,053,438,000Source | 802,590,000Source | 652,239,000Source | 968,188,000Source | 754,971,000Source | 614,612,000Source | 914,261,000Source | 714,138,000Source | 581,219,000Source | 508,844,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -163,923,000Source | -189,761,000Source | -152,728,000Source | -177,170,000Source | -234,537,000Source | -154,338,000Source | -186,559,000Source | -236,635,000Source | -150,572,000Source | -212,919,000Source | -239,192,000Source | -329,488,000Source |
| Stockholders' Equity Attributable to ParentUSD | 3,596,851,000Source | 3,406,680,000Source | 3,745,004,000Source | 3,612,924,000Source | 3,342,633,000Source | 3,654,666,000Source | 3,500,896,000Source | 3,300,110,000Source | 3,638,686,000Source | 3,432,127,000Source | 3,261,525,000Source | 2,700,674,000Source |
| Liabilities and EquityUSD | 28,143,473,000Source | 27,373,132,000Source | 29,051,142,000Source | 28,085,521,000Source | 27,057,201,000Source | 28,176,582,000Source | 27,873,718,000Source | 27,364,888,000Source | 28,002,554,000Source | 27,720,258,000Source | 27,297,251,000Source | 24,008,884,000Source |
| Additional Financial Items | ||||||||||||
| Long-term DebtUSD | 155,251,000Source | 316,363,000Source | 20,602,000Source | 155,143,000Source | 324,887,000Source | 120,500,000Source | 254,287,000Source | 324,854,000Source | 120,400,000Source | 254,152,000Source | 324,823,000Source | 324,663,000Source |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Share-based Payment Arrangement, Noncash ExpenseUSD | — | — | — | — | — | — | 3,342,000Source | 2,321,000Source | 11,405,000Source | 10,803,000Source | 8,932,000Source | 8,705,000Source |
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | 6,055,000Source | 168,000Source | 10,145,000Source | 7,196,000Source | 6,389,000Source | 10,918,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 69,281,000Source | 98,632,000Source | 384,035,000Source | 349,734,000Source | 293,971,000Source | 607,307,000Source |
| Cash flows from investing activities: | ||||||||||||
| Payments to Acquire Businesses, Net of Cash AcquiredUSD | — | — | — | — | — | — | — | — | -41,246,000Source | -8,592,000Source | -207,566,000Source | -35,243,000Source |
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | -45,540,000Source | -56,579,000Source | 33,417,000Source | -991,042,000Source | -163,289,000Source | -2,020,181,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | — | — | — | — | — | — | 6,924,000Source | 4,313,000Source | 27,579,000Source | 47,044,000Source | 72,485,000Source | 42,704,000Source |
| Cash flows from financing activities: | ||||||||||||
| Payments for Repurchase of Common StockUSD | — | — | — | — | — | — | 37,093,000Source | 0Source | 44,269,000Source | — | 0Source | 0Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | 73,646,000Source | 74,786,000Source | -541,571,000Source | 157,306,000Source | 226,340,000Source | -258,783,000Source |
| Payments of Ordinary Dividends, Common StockUSD | — | — | — | — | — | — | 30,589,000Source | 29,057,000Source | 118,518,000Source | 112,316,000Source | 105,085,000Source | 86,883,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | — | — | — | — | — | — | 97,387,000Source | 116,839,000Source | -124,119,000Source | -484,002,000Source | 357,022,000Source | -1,671,657,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | 613,431,000Source | 740,039,000Source | 455,097,000Source | 574,956,000Source | 493,141,000Source | 636,712,000Source | 395,754,000Source | 519,873,000Source | 1,003,875,000Source | 646,853,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | — | — | 476,076,000Source | 551,355,000Source | 408,532,000Source | 58,713,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | — | — | 49,856,000Source | 18,534,000Source | 57,956,000Source | 50,499,000Source |
| Additional Financial Items | ||||||||||||
| Amortization of Intangible AssetsUSD | — | — | 3,313,000Source | 3,528,000Source | 2,938,000Source | 3,292,000Source | 3,063,000Source | 3,286,000Source | 13,079,000Source | 14,596,000Source | 15,175,000Source | 6,826,000Source |
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | — | — | 49,000Source | 0Source | -2,000Source | 286,000Source | 133,000Source | 6,000Source | 352,000Source | -3,316,000Source | -53,333,000Source | -3,872,000Source |
| Deferred Other Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | — | 7,196,000Source | 6,389,000Source | 10,918,000Source |
| Depreciation, Amortization and Accretion, NetUSD | — | — | — | — | — | — | 19,819,000Source | 11,448,000Source | 45,951,000Source | 40,930,000Source | 44,963,000Source | 46,700,000Source |
| Depreciation, NonproductionUSD | — | — | — | — | — | — | — | — | 26,200,000Source | 24,700,000Source | 19,000,000Source | 17,000,000Source |
| Fair Value, Option, Changes in Fair Value, Gain (Loss)USD | — | — | -270,000Source | 180,000Source | 629,000Source | 0Source | -520,000Source | -179,000Source | -243,000Source | 217,000Source | 900,000Source | -1,207,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | 6,967,000Source | 15,919,000Source | -31,827,000Source | 11,500,000Source | 8,344,000Source | 14,583,000Source | 44,106,000Source | 56,617,000Source | 94,536,000Source | 53,742,000Source |
| Gain (Loss) on Sales of Loans, NetUSD | — | — | 2,385,000Source | -25,700,000Source | 947,000Source | 1,995,000Source | 1,893,000Source | 1,396,000Source | 7,923,000Source | -21,284,000Source | 9,146,000Source | 10,730,000Source |
| Gain (Loss) on Extinguishment of DebtUSD | — | — | — | — | — | — | — | — | -768,000Source | 2,266,000Source | — | — |
| GoodwillUSD | — | — | 925,119,000Source | 916,153,000Source | — | 925,119,000Source | — | — | 925,119,000Source | 907,090,000Source | 919,914,000Source | 751,174,000Source |
| Income Tax Expense (Benefit)USD | — | — | 26,579,000Source | 12,437,000Source | 33,530,000Source | 21,769,000Source | 24,066,000Source | 19,746,000Source | 94,317,000Source | 70,609,000Source | 45,001,000Source | 78,530,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 91,494,000Source | 47,347,000Source | 115,638,000Source | 78,733,000Source | 84,289,000Source | 71,413,000Source | 328,095,000Source | 252,397,000Source | 187,544,000Source | 277,472,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | — | — | 86,139,000Source | 45,502,000Source | 114,880,000Source | 76,722,000Source | 83,737,000Source | 69,429,000Source | 318,183,000Source | 244,626,000Source | 180,847,000Source | 269,135,000Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | — | — | — | — | — | — | 200,251,000Source | 177,005,000Source | 770,979,000Source | 686,869,000Source | 646,108,000Source | 706,285,000Source |
| Provision for Loan, Lease, and Other LossesUSD | — | — | 7,907,000Source | 14,428,000Source | -29,803,000Source | 11,818,000Source | 10,853,000Source | 15,419,000Source | 48,806,000Source | 50,951,000Source | 89,430,000Source | 63,913,000Source |
| Realized Investment Gains (Losses)USD | — | — | — | — | — | — | 133,000Source | 6,000Source | 352,000Source | -3,316,000Source | -53,333,000Source | -3,872,000Source |
| Payments for (Proceeds from) Other Investing Activities | — | — | — | — | — | — | —Source | —Source | — | — | — | — |
| Proceeds from (Payments for) Other Financing Activities | — | — | — | — | — | — | —Source | —Source | — | — | — | — |
| Debt Securities, Trading, Gain (Loss) | — | — | — | — | — | — | —Source | — | — | — | — | — |
| Other Interest and Dividend Income | — | — | — | — | —Source | —Source | —Source | —Source | — | — | — | — |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total RevenueUSD | — | — | 276,848,000Source | 217,277,000Source | 279,280,000Source | 260,239,000Source | 276,510,000Source | 247,677,000Source | 1,063,152,000Source | 901,173,000Source | 803,818,000Source | 826,151,000Source |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 118,073,000Source | 59,784,000Source | 149,168,000Source | 100,502,000Source | 108,355,000Source | 91,159,000Source | 422,412,000Source | 323,006,000Source | 232,545,000Source | 356,002,000Source |
| Income Tax Expense (Benefit)USD | — | — | 26,579,000Source | 12,437,000Source | 33,530,000Source | 21,769,000Source | 24,066,000Source | 19,746,000Source | 94,317,000Source | 70,609,000Source | 45,001,000Source | 78,530,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 91,494,000Source | 47,347,000Source | 115,638,000Source | 78,733,000Source | 84,289,000Source | 71,413,000Source | 328,095,000Source | 252,397,000Source | 187,544,000Source | 277,472,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 0.71Source | 0.38Source | 0.95Source | 0.63Source | 0.69Source | 0.58Source | 2.62Source | 2.04Source | 1.54Source | 2.52Source |
| Earnings Per Share, DilutedUSD per share | — | — | 0.7Source | 0.38Source | 0.95Source | 0.63Source | 0.69Source | 0.58Source | 2.62Source | 2.04Source | 1.54Source | 2.52Source |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 122,116,000Source | 119,818,000Source | 120,303,000Source | 121,377,000Source | 120,498,000Source | 120,043,000Source | 121,309,000Source | 119,783,000Source | 117,603,000Source | 106,661,000Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 122,252,000Source | 119,952,000Source | 120,442,000Source | 121,432,000Source | 120,723,000Source | 120,201,000Source | 121,437,000Source | 119,900,000Source | 117,745,000Source | 106,778,000Source |
| Additional Financial Items | ||||||||||||
| Amortization of Intangible AssetsUSD | — | — | 3,313,000Source | 3,528,000Source | 2,938,000Source | 3,292,000Source | 3,063,000Source | 3,286,000Source | 13,079,000Source | 14,596,000Source | 15,175,000Source | 6,826,000Source |
| Business Combination, Acquisition Related CostsUSD | — | — | 3,468,000Source | 2,176,000Source | 895,000Source | 4,833,000Source | 873,000Source | 1,297,000Source | 10,204,000Source | 8,623,000Source | 27,210,000Source | 19,375,000Source |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | — | — | 0.25Source | 0.24Source | 0.25Source | 0.24Source | 0.25Source | 0.24Source | 0.98Source | 0.94Source | 0.92Source | 0.86Source |
| Current Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | — | 63,413,000Source | 38,612,000Source | 67,612,000Source |
| Fair Value, Option, Changes in Fair Value, Gain (Loss)USD | — | — | -270,000Source | 180,000Source | 629,000Source | 0Source | -520,000Source | -179,000Source | -243,000Source | 217,000Source | 900,000Source | -1,207,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | 6,967,000Source | 15,919,000Source | -31,827,000Source | 11,500,000Source | 8,344,000Source | 14,583,000Source | 44,106,000Source | 56,617,000Source | 94,536,000Source | 53,742,000Source |
| Interest ExpenseUSD | — | — | — | — | — | — | — | — | — | — | 419,342,000Source | 60,798,000Source |
| InterestExpenseOperatingUSD | — | — | 120,221,000Source | 139,900,000Source | 103,471,000Source | 121,834,000Source | 101,197,000Source | 123,336,000Source | 473,832,000Source | 550,373,000Source | — | — |
| Interest Income (Expense), NetUSD | — | — | 233,629,000Source | 209,186,000Source | 240,900,000Source | 225,531,000Source | 232,764,000Source | 212,021,000Source | 909,107,000Source | 827,368,000Source | 817,765,000Source | 752,357,000Source |
| Labor and Related ExpenseUSD | — | — | 90,667,000Source | 83,533,000Source | 96,242,000Source | 86,997,000Source | 101,249,000Source | 84,267,000Source | 354,451,000Source | 340,043,000Source | 318,464,000Source | 276,205,000Source |
| Marketing and Advertising ExpenseUSD | — | — | 2,053,000Source | 2,041,000Source | 2,708,000Source | 2,881,000Source | 2,397,000Source | 1,881,000Source | 9,605,000Source | 8,546,000Source | 9,473,000Source | 8,384,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | — | — | 86,139,000Source | 45,502,000Source | 114,880,000Source | 76,722,000Source | 83,737,000Source | 69,429,000Source | 318,183,000Source | 244,626,000Source | 180,847,000Source | 269,135,000Source |
| Preferred Stock Dividends, Income Statement ImpactUSD | — | — | 1,573,000Source | 1,573,000Source | 0Source | 1,573,000Source | 0Source | 1,573,000Source | 4,719,000Source | 6,293,000Source | 6,635,000Source | 6,875,000Source |
| Realized Investment Gains (Losses)USD | — | — | — | — | — | — | 133,000Source | 6,000Source | 352,000Source | -3,316,000Source | -53,333,000Source | -3,872,000Source |
| Undistributed Earnings (Loss) Allocated to Participating Securities, BasicUSD | — | — | 507,000Source | 272,000Source | 758,000Source | 438,000Source | 552,000Source | 411,000Source | 1,918,000Source | 1,478,000Source | 1,032,000Source | 1,462,000Source |
| Debt Securities, Trading, Gain (Loss) | — | — | — | — | — | — | —Source | — | — | — | — | — |
| Other Interest and Dividend Income | — | — | — | — | —Source | —Source | —Source | —Source | — | — | — | — |
Offerings
Registration 333-296306
Registration 333-284483
Filing attachments
tm2627820d1_ex99-1.htm · 8-K · 2026-10-20
Exhibit 99.1 For Immediate Release For more information: Tom Speir Chief Financial Officer (864) 240-6208 Investor_Relations@ucbi.com United Community Banks, Inc. Reports Third Quarter Earnings Third Quarter Results Reflect Execution of Significant Strategic Initiatives, Strong Core Loan Growth, and Robust Deposit Growth GREENVILLE, SC - October 20, 2026 - United Community Banks, Inc. (NYSE: UCB) (United) today announced financial results for the quarter ended September 30, 2026, which…
Read attachment ↗tm2627820d1_ex99-2.htm · 8-K · 2026-10-20
Exhibit 99.2 8QLWHG&RPPXQLW\% DQN_ XFELFRP 3 Q26 Investor Presentation October 20, 2026 'LVFORVXUHV 2 CAUTIONARY STATEMENT This Investor Presentation contains “forward - looking statements” within the meaning of Section 27 A of the Securities Act of 1933, as amended, and Section 21 E of the Securities Exchange Act of 1934, as amended. In general, forward - looking statements usually may be identified through use of words such as “may,” “believe,” “expect,” “anticipate,” “intend,” “will,” “shou…
Read attachment ↗tm2624990d1_ex99-1.htm · 8-K · 2026-09-08
EX-99.1 2 tm2624990d1_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 United Community Banks, Inc. NYSE:UCB Special Call Tuesday, September 8, 2026 2:00 PM GMT Call Participants EXECUTIVES Lynn Harton President, Chairman & CEO Jefferson Harralson Chief Financial Officer ANALYSTS Christopher Marinac Brean Capital, LLC David Bishop Hovde Group, LLC Michael Rose Raymond James & Associates, Inc. Russell Gunther Stephens Inc. Stephen Scouten Piper Sandler & Co. Presentation Operator G…
Read attachment ↗tm2624931d1_ex99-1.htm · 8-K · 2026-09-08
EX-99.1 2 tm2624931d1_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 For Immediate Release For more information: Tom Speir Chief Financial Officer (864) 240-6208 Tom_Speir@ucbi.com United Community Banks, Inc. Announces Completion of Strategic Initiatives That Simplify and Strengthen Balance Sheet; Increased Share Repurchase Authorization Strategic actions reduce interest rate risk, provide greater liquidity for organic growth, improve balance sheet flexibility, and enhance overall earnings pr…
Read attachment ↗tm2624931d1_ex99-2.htm · 8-K · 2026-09-08
EX-99.2 3 tm2624931d1_ex99-2.htm EXHIBIT 99.2 Exhibit 99.2 Member FDIC. © 2026 United Community Bank | ucbi.com Building a Stronger, More Resilient United September 8, 2026 Disclosures 2 CAUTIONARY STATEMENT This Investor Presentation contains “forward - looking statements” within the meaning of Section 27 A of the Securities Act of 1933, as amended, and Section 21 E of the Securities Exchange Act of 1934, as amended. In general, forward - looking statements usually may be identified throu…
Read attachment ↗tm2620881d1_ex99-1.htm · 8-K · 2026-07-21
EX-99.1 2 tm2620881d1_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 Jefferson_Harralson@ucbi.com United Community Banks, Inc. Reports Second Quarter Earnings Strong Loan Growth, Sixth Consecutive Quarter of Margin Expansion, and Focus on Core Banking Business Drive Quarterly Results GREENVILLE, SC - July 21, 2026 - United Community Banks, Inc. (NYSE: UCB) (United) today announced financial…
Read attachment ↗