United Community Banks, Inc.

The grade, in three tenses

Headline 4.7 out of ten, 9 of 9 metrics filed: past 3.3 out of ten, present 5.5 out of ten, future 6.0 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.

The nine metrics

• Surviving crises (past): 1.3 out of ten. 1 warning event since 2017; the latest 2024-07-26. 13th percentile among 165 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Track record (past): 6.6 out of ten. +11.3% a year over 10 filed years; profitable in 10 of 10. 66th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Shareholder treatment (past): 3.9 out of ten. Share count grew 4.4% a year. 37% of cash flow returned. Insiders: 8 sales, 1 purchases. 39th percentile among 157 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Financial health (present): 5.2 out of ten. ROE 9%: 9¢ of profit per shareholder dollar. Leverage 87%: owes 87¢ per asset dollar. 52nd percentile among 161 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Industry position (present): 6.0 out of ten. top 40% of 155 in its family; net margin 30.9%. 60th percentile among 155 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Leadership (present): 5.3 out of ten. top 47% of 150 in its family for leadership; chief executive since 2018. 53rd percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
• Room to expand (future): 5.1 out of ten. top 49% of 142 in its family for room to expand. 51st percentile among 142 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Growth drivers (future): 3.9 out of ten. bottom 39% of 152 in its family for growth drivers. 39th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Expectations vs reality (future): 8.9 out of ten. top 11% of 150 in its family for expectations against reality. 89th percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).

The filing record

Newest annual report: Form 10-K filed 2026-02-17 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-05 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-21 (on EDGAR). Newest filing: Form 4, 2026-09-09. Filings on record since 1996. Read from EDGAR 2026-10-12.

Who runs it

Harton, H Lynn (President & CEO); Speir, Thomas Hardaway (EVP, CFO); Harralson, Jefferson L (EVP, CFO); Kumler, Alan H (SVP, Chief Accounting Officer); Edwards, Robert A. (EVP, Chief Risk Officer); Bradshaw, Richard (EVP, Chief Banking Officer); Berry, Holly N (EVP, Chief HR Officer); Cox, Abraham (EVP, Chief Consumer & SBBO); Terry, Mark Aaron (EVP, Chief Information Officer); Lux, Melinda Davis (EVP, CAO & GC); and 12 more. 22 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.

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