{"filings":[{"id":456996,"accession_number":"0000857855-26-000033","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2026-05-15T14:34:11+00:00","items":["5.07"],"status":"ready","headline":"United Community Banks shareholders elect 12 directors, approve say-on-pay and auditor at annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 12 director nominees elected with 90M-97M for votes; broker non-votes 8.4M.","Advisory vote on executive compensation approved: 93.8M for, 4.0M against, 114k abstain.","Ratification of PwC as auditor for FY2026 approved with 104.8M for, 1.4M against.","Quorum met with 106.3M shares represented out of 119.7M outstanding."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":4026258645.7507524,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":99228,"accession_number":"0001104659-26-049821","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2026-04-28T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"United Community CFO Jefferson Harralson to retire by year-end; search underway via Korn Ferry","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Jefferson Harralson to resign as EVP and CFO effective Dec 31, 2026, after nine years at United Community.","Harralson will receive $1M cash severance plus a $70k annual early retirement benefit from the Modified Retirement Plan.","United Community retains Korn Ferry to conduct a nationwide search for a new CFO; Harralson remains until year-end.","The agreement includes customary non-disparagement, non-solicitation, and confidentiality provisions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":4026258645.7507524,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":99227,"accession_number":"0001104659-26-045714","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2026-04-21T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"United Community Q1 EPS $0.70 op (+19% YoY); revenue $276.5M; NIM 3.65%; announces Peach State acquisition","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $84.3M; diluted operating EPS $0.70, up 19% from Q1 2025.","Total revenue $276.5M (+12% YoY); net interest margin 3.65% (+29 bps YoY).","Loans grew $218M (4.5% annualized) from Q4; customer deposits up $237M.","Repurchased 1.09M shares at avg $33.97; plans to redeem $100M sub-debt in Q2.","Entered definitive merger agreement to acquire Peach State Bancshares (no deal terms in filing)."],"consensus_eps_estimate":null,"consensus_eps_actual":0.69,"consensus_revenue_estimate":null,"consensus_revenue_actual":276510000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":4026258645.7507524,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":99226,"accession_number":"0001104659-26-045707","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2026-04-21T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"United Community Banks to acquire Peach State Bancshares for $100.8M","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Deal: $100.8M aggregate value; shareholders elect $31.75 cash or 0.8978 UCB shares per share, prorated 50/50.","Peach State had $788M assets, $498M loans, $713M deposits as of March 31, 2026.","Expected close in Q3 2026; requires regulatory approval and Peach State shareholder vote.","Expected EPS accretion of $0.09 in 2027 ($0.12 with share repurchases).","Peach State operates two branches in Gainesville and Braselton, GA (Hall County)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":4026258645.7507524,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":115113,"accession_number":"0001104659-26-003548","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2026-01-14T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"United Community Q4 2025 net income $86.5M, EPS $0.70; NIM expands to 3.62%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $86.5M vs $75.8M a year ago; diluted EPS $0.70 (+$0.09 YoY); operating EPS $0.71.","Net interest margin 3.62%, up 36 bps YoY and 4 bps QoQ; total revenue $278.4M (+11% YoY).","Loan growth of $209M (4.4% annualized) from Q3; customer deposits down $242M.","Repurchased 1.0 million shares at avg $29.84; declared $0.25 quarterly dividend (+4% YoY).","Full-year 2025 net income $328M vs $252M in 2024; operating EPS $2.71 (+18%)."],"consensus_eps_estimate":null,"consensus_eps_actual":2.62,"consensus_revenue_estimate":null,"consensus_revenue_actual":1063152000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":4026258645.7507524,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":131508,"accession_number":"0000857855-25-000168","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2025-12-08T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"United Community Banks announces $100M share repurchase program for 2026","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized up to $100M of common stock repurchases, effective Jan 1, 2026 through Dec 31, 2026.","Company repurchased $44M of shares in 2025 under existing program, which expires Dec 31, 2025.","Repurchases may be made on open market or in private transactions at company discretion and can be suspended anytime."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":4026258645.7507524,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":131507,"accession_number":"0001104659-25-101399","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2025-10-22T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"United Community Q3 net income $91.5M, EPS $0.70 GAAP, $0.75 operating; revenue up 27% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $91.5M, diluted EPS $0.70 GAAP, operating EPS $0.75, up 32% YoY.","Total revenue $276.8M, up 6% linked quarter; net interest margin 3.58%, +8bps QoQ.","Loans grew $254M (5.4% annualized); customer deposits ex-public funds up $137M.","Net charge-offs $7.7M (0.16% annualized); provision for credit losses $7.9M, down $3.9M QoQ.","Preferred stock redeemed $88.3M; quarterly common dividend raised to $0.25 (+4% YoY)."],"consensus_eps_estimate":null,"consensus_eps_actual":1.91,"consensus_revenue_estimate":null,"consensus_revenue_actual":784764000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":4026258645.7507524,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148086,"accession_number":"0001104659-25-079007","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2025-08-15T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"United Community Banks redeems all $88M 6.875% Series I Preferred Stock on Sept 15, 2025","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Redemption of all outstanding 6.875% Series I Non-Cumulative Perpetual Preferred Stock.","Redemption price of $25,000 per share ($25 per depositary share), aggregate $88M liquidation preference.","Redemption date September 15, 2025; funded with cash on hand.","Previously declared dividend paid separately to holders of record prior to redemption.","After redemption date, all rights cease except to receive redemption price."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":4026258645.7507524,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148085,"accession_number":"0001104659-25-069783","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2025-07-23T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"United Community Banks Q2 EPS $0.66 operating, NIM expands 14 bps to 3.50%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP EPS $0.63, operating EPS $0.66; up 14% YoY on operating basis.","Net interest margin 3.50%, up 14 bps from Q1; net interest income up $13.5M linked quarter.","Completed acquisition of American National Bank on May 1; loan growth $194M ex-ANB (4.2% annualized).","NCO ratio 0.18% (down 3 bps), NPAs 0.30% of assets (down from 0.33% Q1).","Quarterly dividend $0.24, up 4% YoY; tangible book value $21.00 (+$0.42 from Q1)."],"consensus_eps_estimate":null,"consensus_eps_actual":1.21,"consensus_revenue_estimate":null,"consensus_revenue_actual":507916000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":4026258645.7507524,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166840,"accession_number":"0000857855-25-000107","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2025-05-15T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"United Community Banks shareholders elect 12 directors, approve say-on-pay, and ratify PwC as auditor","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 12 director nominees elected; David H. Wilkins received lowest support with 89.3M for (8.5M withheld).","Say-on-pay approved with 94.8M for (2.9M against); shareholders selected one-year frequency for future votes.","Ratification of PricewaterhouseCoopers as independent auditor for 2025 approved with 106.0M for (1.4M against).","No broker non-votes on auditor ratification; 9.5M broker non-votes on director and say-on-pay proposals."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":4026258645.7507524,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166839,"accession_number":"0000857855-25-000075","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2025-05-01T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"United Community Banks closes acquisition of ANB Holdings, parent of American National Bank","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Merger effective May 1, 2025; ANB Bank will convert to United Community brand on July 11, 2025.","ANB Bank had $452M assets, $317M loans, and $387M deposits as of March 31, 2025.","Over $300M of deposits are non-CD core deposits, indicating strong customer relationships.","Acquisition adds a customer-service hub in fast-growing Miami metro area (Oakland Park, FL).","Stephens Inc. and Hovde Group served as financial advisors to United and ANB, respectively."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":4026258645.7507524,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166838,"accession_number":"0001104659-25-037143","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2025-04-22T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"United Community Q1 EPS $0.58 GAAP, $0.59 operating; NIM expands 10 bps to 3.36%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $71.4M ($0.58 diluted); operating EPS $0.59, up 13% YoY.","Net interest margin 3.36%, up 10 bps QoQ; net interest revenue $212M, up 6% YoY.","Loans grew $249M (5.6% annualized); customer deposits up $309M (5.4% annualized).","Credit quality stable: net charge-offs 0.21% of avg loans, NPAs improved to 0.33% of assets.","Quarterly dividend raised 4% YoY to $0.24/share; planned acquisition of American National Bank closing May 1."],"consensus_eps_estimate":null,"consensus_eps_actual":0.58,"consensus_revenue_estimate":null,"consensus_revenue_actual":247677000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":4026258645.7507524,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":184245,"accession_number":"0000857855-25-000015","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2025-02-11T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"United Community Banks enters employment agreement with Chief Banking Officer Bradshaw","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Base salary of no less than $675,000; annual cash incentive target at least 100% of base salary.","Long-term incentive target of at least 125% of base salary with retirement vesting provisions after age 67.","One-year term automatically renews annually unless notice of nonrenewal given; change-in-control agreement supersedes.","Severance on termination without cause or for good reason: 1.5x base salary + target incentive + 18 months COBRA.","Restrictive covenants include perpetual confidentiality, mutual non-disparagement, and one/two-year non-solicit."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":4026258645.7507524,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":184244,"accession_number":"0001104659-25-005067","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2025-01-22T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"United Community Banks Q4 2024 net income $75.8M, diluted EPS $0.61; operating EPS $0.63","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $75.8M ($0.61 diluted EPS GAAP); operating EPS $0.63 up 19% YoY and 11% linked quarter.","Loan growth $212M (5% annualized); customer deposits up $213M; net interest margin 3.26% down 7 bps from Q3.","Credit quality improved: net charge-offs $9.5M (0.21% of avg loans) lowest in two years; provision $11.4M.","Quarterly dividend raised 4% to $0.24 per share; redeemed $60M subordinated debentures.","Agreed to acquire American National Bank (FL) in December; preliminary CET1 ratio 13.2%."],"consensus_eps_estimate":null,"consensus_eps_actual":2.04,"consensus_revenue_estimate":null,"consensus_revenue_actual":901173000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":4026258645.7507524,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200842,"accession_number":"0001104659-24-124900","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2024-12-03T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"United Community Banks to acquire ANB Holdings for ~$80M in all-stock deal","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["United will issue 1.650 shares of its common stock per share of ANB common stock; deal value ~$80 million.","ANB Bank has total assets of $439M, loans of $322M, and deposits of $374M as of Sep 30, 2024.","Transaction expected to close in Q2 2025, subject to regulatory approval and ANB shareholder approval.","Deal expected to be accretive to UCB's EPS by approximately $0.04 in 2026, the first full year.","Acquisition strengthens United's presence in the Miami metro area; ANB CEO Ginger Martin to join."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":4026258645.7507524,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200841,"accession_number":"0001104659-24-110728","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2024-10-23T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"United Community Q3 GAAP EPS $0.38; operating EPS $0.57 (+27% YoY)","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $47.3M, GAAP EPS $0.38; operating EPS $0.57 after excluding $0.18 loss on manufactured housing loan sale.","Sold $318M manufactured housing loans; after-tax loss of $21.4M ($0.18 per share).","Recorded $9.9M provision for Hurricane Helene credit losses on $383M loans in NC counties.","Customer deposits up $262M (5% annualized); CET1 ratio improved to 13.1%.","Net interest margin 3.33%, down 4 bps QoQ; quarterly dividend increased 4% to $0.24/share."],"consensus_eps_estimate":null,"consensus_eps_actual":1.43,"consensus_revenue_estimate":null,"consensus_revenue_actual":661707000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":4026258645.7507524,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216843,"accession_number":"0000857855-24-000080","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2024-09-04T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"United Community Banks appoints former Goldman Sachs MD Sally Pope Davis to board","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Board expanded from 12 to 13 directors; Davis fills new vacancy effective Sept 4, 2024.","Davis retired Apr 2024 after 35 years at Goldman Sachs, most recently co-leading small/mid cap value funds.","She also serves on boards of First Financial Bankshares (FFIN) and Core Specialty Holdings.","Committee assignments not yet determined; she will receive standard non-employee director compensation.","No related-party transactions or arrangements with other parties in selection."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":4026258645.7507524,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216842,"accession_number":"0001104659-24-096053","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2024-09-03T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"United Community Banks sells $318.2M manufactured housing loan portfolio to 21st Mortgage","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Portfolio sold on August 30, 2024 to 21st Mortgage Corporation, a Clayton Homes division.","Sale accelerates exit from runoff portfolio; originations had ceased in Q3 2023.","Estimated $0.18 per share impact to Q3 results, including $11.5M reserve release.","CEO cites removal of management distraction and reduced risk profile; portfolio was 11% of YTD charge-offs and 18% of NPAs.","Transaction slightly accretive to regulatory capital ratios; no ongoing earnings effect expected."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":4026258645.7507524,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216841,"accession_number":"0000857855-24-000051","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2024-07-26T23:59:59+00:00","items":["3.01","7.01","9.01"],"status":"ready","headline":"United Community Banks to transfer stock listing from Nasdaq to NYSE effective Aug 6","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Common stock to trade under new ticker 'UCB' on NYSE; last Nasdaq trade on Aug 5, 2024.","Depositary shares (Series I Preferred) will trade as 'UCB PRI' on NYSE starting Aug 6.","CEO Lynn Harton cited greater visibility and partnership with world's largest exchange.","NYSE's Chris Taylor welcomed United Community Banks to its community of leading banks."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":4026258645.7507524,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216840,"accession_number":"0001104659-24-082136","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2024-07-24T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"United Community Q2 net income $66.6M; operating EPS $0.58; NIM widens 17bps to 3.37%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $66.6M, diluted EPS $0.54 GAAP (+2% YoY); operating EPS $0.58 (+5% YoY).","Net interest margin expanded 17bps to 3.37%; net interest revenue $208.7M, up 4% YoY.","Loans decreased $164M QoQ to $18.21B; customer deposits down $339M to $22.98B.","Agreed to sell FinTrust Capital Advisors; expects Q3 close; recorded $5.1M goodwill impairment.","Tangible book value $19.13, up from $18.71 Q1; dividend unchanged at $0.23/share."],"consensus_eps_estimate":null,"consensus_eps_actual":1.05,"consensus_revenue_estimate":null,"consensus_revenue_actual":458858000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":4026258645.7507524,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":236569,"accession_number":"0000857855-24-000045","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2024-05-16T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"United Community Banks holds 2024 annual meeting; all director nominees elected","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Shareholders elected 12 directors with terms expiring 2025; Lance F. Drummond received 82.8M for and 11.3M withheld.","Advisory say-on-pay resolution approved with 91.5M for, 2.1M against, 0.5M abstain.","Ratification of PricewaterhouseCoopers as auditor for 2024 passed with 104.4M for, 1.0M against."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":4026258645.7507524,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":236568,"accession_number":"0001104659-24-050929","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2024-04-24T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"United Community Q1 net income $62.6M, diluted EPS $0.51, down 2% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income Q1 2024 of $62.6M; GAAP diluted EPS $0.51 vs $0.52 YoY; operating EPS $0.52.","Net interest margin 3.20% (+1bp QoQ); core deposits grew 5% annualized; loans grew 1.2% annualized.","Pre-tax pre-provision income $93.7M; operating ROA 0.93%, return on tangible common equity 10.68%.","Net charge-offs $12.9M (0.28% of avg loans, up 6bp QoQ); NPAs 0.39% of total assets.","Quarterly dividend declared at $0.23 per share, flat YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":0.51,"consensus_revenue_estimate":null,"consensus_revenue_actual":225837000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":4026258645.7507524,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}