{"filings":[{"id":2337518,"accession_number":"0000857855-26-000081","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2026-08-19T12:05:21+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"United Community names Tom Speir as CFO effective Sept 8, 2026","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Tom Speir named EVP & CFO effective Sept 8, 2026, succeeding Jefferson Harralson who retires.","Speir joins from Regions Financial where he led Investor Relations, Strategy & Corporate Development since April 2026.","Compensation: $600k base salary, 80% target bonus, $215k sign-on bonus, $450k sign-on equity, plus allowances.","Harralson remains CFO until Sept 8, then stays through Dec 31, 2026 for transition.","Speir has 20+ years in financial services; prior roles at Regions and Wachovia."],"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":2007556,"accession_number":"0000857855-26-000071","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2026-08-03T13:09:23+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"United Community Banks appoints Carl Carande to Board of Directors","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Carl Carande appointed to Board effective August 1, 2026; Board expanded to 13 directors.","Carande brings 40 years experience, most recently as KPMG Global Head of Advisory.","He also joined Risk Committee; no related party transactions reported.","Carande previously led KPMG's Southeast Advisory practice and developed post-merger risk management offering.","He also served as global director of corporate cash management pricing at Bank of America."],"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":2007076,"accession_number":"0000857855-26-000069","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2026-08-03T12:49:17+00:00","items":["8.01","9.01"],"status":"ready","headline":"United Community Banks completes acquisition of Peach State Bancshares","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Merger effective August 1, 2026; Peach State merged into United, bank subsidiary into United Community Bank.","Peach State Bank had $784M assets, $524M loans, $707M deposits as of June 30, 2026.","Peach State Bank branches to operate under United Community brand after conversion expected in Q1 2027.","Ron Quinn, Peach State CEO, noted partnership will amplify growth and customer service."],"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":0.65,"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},{"id":1757516,"accession_number":"0001104659-26-085229","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2026-07-21T11:35:58+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"United Community Banks Q2 2026 EPS $0.95 GAAP, $0.71 operating; loan growth 6.8% annualized","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP EPS $0.95, operating EPS $0.71; net income $115.6M, up 47% YoY.","Total revenue $279.3M, up 7% YoY; net interest margin 3.68%, up 18 bps YoY (sixth consecutive quarter of expansion).","Loan growth $332M (6.8% annualized); customer deposits down $295M due to seasonal public fund outflows.","Quarterly dividend $0.25/share, up 4% YoY; preliminary CET1 ratio 13.5%.","Provision for credit losses negative $29.8M due to $38.5M release on Navitas loans reclassified to held-for-sale; sale expected Q3 2026."],"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":0.8,"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":1563876,"accession_number":"0001104659-26-082469","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2026-07-10T13:08:00+00:00","items":["8.01","9.01"],"status":"ready","headline":"United Community Banks gets all regulatory nods for Peach State deal; closing set for Aug 3","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Election deadline for Peach State shareholders to choose merger consideration is July 20, 2026 at 5:00 p.m. ET.","All required regulatory approvals received; closing expected on August 3, 2026, subject to remaining conditions.","Per share consideration: $31.75 cash or 0.8978 UCB shares, subject to 50% cash / 50% stock proration.","Shareholders who do not elect will receive cash or stock per the allocation and proration procedures in the merger agreement."],"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":1009556,"accession_number":"0001104659-26-073197","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2026-06-12T11:34:36+00:00","items":["1.01","7.01","9.01"],"status":"ready","headline":"United Community Banks sells Navitas equipment finance business to Wafra for $1.9B cash","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Purchase price ~$1.9B cash (~7% premium to par value); estimated $109M pre-tax benefit, 3% TBV accretion, +145bps CET1.","Transaction expected to close Q3 2026; subject to regulatory approvals and customary conditions; no financing contingency for buyer.","Navitas is 10% of total loans but ~50% of net charge-offs (LTM); sale significantly reduces United's risk profile.","Pro forma loan-to-deposit ratio of 74%; excess liquidity reinvested in securities yielding 4.0-4.5% with <2-year duration.","United plans to evaluate capital deployment alternatives post-close, including organic growth, buybacks, and in-market M&A."],"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":0.85,"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":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},{"id":254202,"accession_number":"0001104659-24-006101","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2024-01-24T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"United Community Banks Q4 GAAP EPS $0.11, down 85% YoY; operating EPS $0.53 up 18% QoQ","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $14.1M, diluted EPS $0.11 vs $0.74 YoY; operating EPS $0.53 down 29% YoY but up 18% QoQ.","Bond portfolio restructuring pre-tax loss $51.7M and FDIC special assessment $9.995M; combined EPS impact -$0.38.","Net interest margin 3.19% (down 5 bps QoQ); loans grew 2.5% annualized, deposits 8% annualized; NCOs 0.22% (down 37 bps QoQ).","Full-year 2023 GAAP EPS $1.54 vs $2.52 (down 39%); operating EPS $2.11 vs $2.66 (down 21%).","Tangible common equity to tangible assets 8.36% (up 18 bps); quarterly dividend $0.23/share, up 5% YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":1.54,"consensus_revenue_estimate":null,"consensus_revenue_actual":803818000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"negative","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":271685,"accession_number":"0001104659-23-130175","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2023-12-29T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"United Community Banks expects $62M pre-tax Q4 charge from FDIC assessment and bond sale loss","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Pre-tax charge of ~$62M ($0.41 EPS) for Q4 2023, from FDIC special assessment ($10M) and securities loss ($52M).","Sold $316M of available-for-sale bonds, incurring pre-tax loss of ~$52M ($0.34 EPS).","FDIC special assessment estimated at $10M pre-tax ($0.07 EPS).","Charge will impact Q4 2023 earnings; further details in upcoming earnings release."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","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":271684,"accession_number":"0000857855-23-000069","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2023-12-04T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"United Community Banks appoints John M. James to Board of Directors","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Appointment effective December 1, 2023; board expanded from 11 to 12 directors.","James brings 35+ years of experience, including 17 years at Bank of America as SVP – Corporate Controller.","He also joined the board of wholly-owned subsidiary United Community Bank.","Background includes M&A integration (MBNA, Countrywide, Merrill Lynch) and regulatory expertise.","James retired from Bank of America in June 2022; no related-party transactions disclosed."],"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":0.3,"calibrated_materiality_score":0.3,"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":271683,"accession_number":"0000857855-23-000066","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2023-11-09T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"United Community Banks extends common and preferred stock repurchase programs through Dec 2024","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Preferred stock repurchase of up to $18.4M of Series I Non-Cumulative Preferred Stock (UCBIO) extended to Dec 31, 2024.","Common stock repurchase of up to $50M extended to Dec 31, 2024.","Programs may be modified, suspended, or discontinued at company's discretion without notice."],"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":271682,"accession_number":"0000857855-23-000058","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2023-10-31T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"United Community Banks adopts new Executive Incentive Plan effective for FY2024","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Plan replaces the 2007 annual incentive plan; adopted Oct 31, 2023 by Talent and Compensation Committee.","Applies to fiscal years beginning with 2024; eligible employees are EVP and above.","Cash awards based on performance measures such as EPS, revenue, ROE; Committee sets targets and payouts.","Awards conditioned on continued employment through payment date; subject to Company clawback policies.","Plan may be amended or terminated by Committee at any time without impairing awarded but unpaid incentives."],"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":0.2,"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":271681,"accession_number":"0001104659-23-109755","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2023-10-18T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"UCBI Q3 net income $47.9M, EPS $0.39; net charge-offs surge 0.59% of loans","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP diluted EPS $0.39, down 47% YoY and 26% QoQ; operating EPS $0.45, down 40% YoY.","Net charge-offs $26.6M (0.59% of avg loans) vs 0.20% in Q2; includes $19M syndicated credit charge-off.","Customer deposits grew 5.6% annualized; net interest margin 3.24%, down 13 bps from Q2.","Pre-tax pre-provision income $90.1M; return on tangible common equity 9.0% operating.","Quarterly dividend $0.23 per share, 5% increase YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":1.44,"consensus_revenue_estimate":null,"consensus_revenue_actual":638081000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"negative","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":288538,"accession_number":"0001104659-23-100127","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2023-09-13T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"UCBI expects ~$19M Q3 charge-off from syndicated credit to bankrupt oil distributor","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Participation of 8.7% in a $218.5M syndicated credit led by First Horizon Bank to a wholesale oil distributor.","Borrower filed Chapter 11 bankruptcy on March 20, 2023; converted to Chapter 7 liquidation on August 24, 2023.","Credit was placed on nonaccrual in Q1 2023; minimal recovery expected, resulting in ~$19.0M charge-off in Q3.","United Community Banks, Inc. (UCBI) expects the charge-off to increase third-quarter charge-offs materially."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","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":288537,"accession_number":"0001104659-23-082049","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2023-07-18T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"United Community Banks Q2 net income $63.3M, EPS $0.53; NIM down 24 bps to 3.37%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $0.53 GAAP, $0.55 operating; net income $63.3M vs $66.8M year ago.","Net interest margin fell 24 bps to 3.37% from Q1 due to 54 bps rise in deposit costs.","Annualized loan growth 6.3%; deposit growth 4.5%; net charge-offs 0.20%.","Completed Progress operational conversion and First Miami Bancorp merger on July 1.","Quarterly dividend raised 10% to $0.23 per share."],"consensus_eps_estimate":null,"consensus_eps_actual":1.05,"consensus_revenue_estimate":null,"consensus_revenue_actual":433816000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"neutral","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":288536,"accession_number":"0000857855-23-000052","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2023-07-03T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"United Community Banks completes First Miami Bancorp acquisition in stock-for-stock merger","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Each First Miami share converted into 40.2685 UCBI shares; ~3.5 million UCBI shares issued.","Target had $945M assets, $605M loans, $823M deposits as of March 31, 2023.","First Miami's wealth management unit added ~$320 million in AUM.","Merger expands UCBI's presence in the Miami metro with three FNBSM offices."],"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":309077,"accession_number":"0000857855-23-000050","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2023-06-14T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"UCBI Board authorizes up to $25M repurchase of Series I preferred stock","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Board approved repurchase of up to $25M of Series I Non-Cumulative Preferred Stock (UCBIO) through open-market or private transactions.","Program may be modified, suspended, or discontinued at any time without prior notice.","Company is not committed to repurchase any specific number of shares; actual purchases depend on market conditions and other factors.","Repurchases may be executed directly or via depositary shares representing 1/1000th interest in a preferred share."],"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":309076,"accession_number":"0000857855-23-000047","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2023-05-30T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"UCBI receives all regulatory approvals for First Miami merger; closing expected July 1, 2023","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["FDIC, Federal Reserve Bank of Richmond, and South Carolina Board of Financial Institutions approved the acquisition.","First Miami shareholders approved the transaction on May 30, 2023 at their annual meeting.","Legal closing expected July 1, 2023; no further regulatory approvals are required.","Merger unanimously approved by both boards; First National Bank of South Miami is the target."],"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":309075,"accession_number":"0000857855-23-000039","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2023-05-18T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"United Community Banks shareholders elect 11 directors, approve say on pay, ratify auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Annual meeting held May 17, 2023; 99,950,573 shares represented (86.8% of 115,142,318 outstanding).","All 11 director nominees elected; Lance F. Drummond received highest withhold with 15,257,757 votes withheld.","Say-on-pay advisory resolution approved: 86,738,522 for, 2,565,456 against, 197,162 abstain.","Ratification of PwC as auditor for 2023 approved: 98,581,066 for, 1,310,363 against, 59,144 abstain."],"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":309074,"accession_number":"0001104659-23-046780","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2023-04-18T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"United Community Banks Q1 net income $62.3M, EPS $0.52; organic loan growth 8%, deposit growth 10%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $62.3M ($0.52 diluted GAAP EPS); operating EPS $0.58, up 16% YoY.","Net interest margin 3.61%, down 15 bps QoQ due to higher deposit costs; cost of deposits up 61 bps to 1.10%.","Organic loan growth 8% annualized, customer deposit growth 10% annualized (excluding acquired Progress balances).","Completed Progress acquisition with $1.8B assets on Jan 3, 2023; also announced partnership with First National Bank of South Miami.","Nonperforming assets 28 bps of total assets, up 10 bps QoQ; net charge-offs 0.17% of avg loans."],"consensus_eps_estimate":null,"consensus_eps_actual":0.52,"consensus_revenue_estimate":null,"consensus_revenue_actual":219896000.0,"consensus_period":"2023-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":327840,"accession_number":"0001104659-23-031632","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2023-03-13T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"United Community Banks to present Q4 2022 results and preliminary Q1 2023 info at investor meeting","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Presenting on March 13, 2023 at Piper Sandler Atlanta Bank Tour.","Slide deck available on investor relations section of company website.","No specific financial figures disclosed in the filing or exhibit text."],"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":0.1,"calibrated_materiality_score":0.1,"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":327839,"accession_number":"0001104659-23-022325","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2023-02-15T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"United Community Banks to acquire First Miami Bancorp in stock-for-stock merger","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Each share of First Miami common stock to be exchanged for 40.2685 shares of UCBI common stock.","Transaction expected to close by February 13, 2024, subject to regulatory approvals and First Miami shareholder vote.","Termination fee of $4.5 million payable by First Miami under customary circumstances.","First Miami directors entered into voting and support agreements to vote in favor of the merger.","Merger agreement includes customary representations, warranties, and non-solicitation covenants."],"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":0.75,"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":327838,"accession_number":"0001104659-23-022002","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2023-02-14T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"UCBI adopts change-in-control agreements for five execs; new CEO employment agreement with Harton","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["H. Lynn Harton (CEO) new employment agreement: $1.05M base salary, target cash incentive >=100% of base, LTI >=200% of base.","Board adopts change-in-control agreements for Harton (3x severance multiple) and four other execs (2x severance multiple).","Agreements effective Feb 14, 2023; double-trigger payments upon qualifying termination after a change in control.","Prior change-in-control agreements terminated on November 1, 2022.","Harton's employment agreement has a three-year term with automatic renewal; superseded by CIC agreement upon a change in control."],"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":327837,"accession_number":"0001104659-23-019787","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2023-02-13T23:59:59+00:00","items":["7.01","8.01","9.01"],"status":"ready","headline":"United Community Banks to acquire First Miami Bancorp in $115.9M all-stock deal","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["All-stock transaction valued at ~$115.9M; exchange ratio 40.2685 UCBI shares per FMIA share.","First Miami has $1.0B assets, $594M loans, $867M deposits, and $310M in AUM.","Deal expected to be accretive to UCBI EPS by ~$0.09 (3%) in 2024, excluding transaction costs.","Closing expected in Q3 2023, subject to regulatory and First Miami shareholder approval.","First Miami shareholders also to receive special cash dividend from sale of investment securities."],"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":0.85,"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":327836,"accession_number":"0001104659-23-004281","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2023-01-17T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"United Community Q4 GAAP EPS $0.74, operating $0.75; loan growth 12% annualized","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $81.5M; diluted GAAP EPS $0.74 (up 35% YoY, flat QoQ); operating EPS $0.75.","Net interest margin expanded 19bp to 3.76%; loans grew 12% annualized; core deposits down 22% annualized.","Allowance for loan losses increased to 1.04% of loans; net charge-offs $6.6M (0.17% avg loans) vs 0.03% in Q3.","Completed acquisition of Progress Financial Corp on Jan 3, 2023 ($1.8B assets); quarterly dividend raised 10% to $0.22.","Efficiency ratio improved to 47.95% GAAP (47.35% operating); ROA 1.33% (1.35% operating)."],"consensus_eps_estimate":null,"consensus_eps_actual":2.52,"consensus_revenue_estimate":null,"consensus_revenue_actual":826151000.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"positive","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":327835,"accession_number":"0001104659-23-000785","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2023-01-04T23:59:59+00:00","items":["2.01","8.01","9.01"],"status":"ready","headline":"United Community Banks closes $296M stock merger with Progress Financial Corp.","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Effective Jan 3, 2023: each Progress share converted to 0.770 UCBI shares; total ~8.771M new UCBI shares issued.","Transaction valued at ~$296.4M based on UCBI Dec 30, 2022 closing price of $33.76.","Progress had $1.7B assets, $1.4B loans, $1.5B deposits as of Sept 30, 2022; 14 branches in AL and FL Panhandle.","David Nast named United Community Bank State President for Alabama and Florida Panhandle."],"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":345509,"accession_number":"0001104659-22-109729","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2022-10-18T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"United Community Banks Q3 net income $81.2M, EPS $0.74, loans up 9.4% annualized","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $0.74, up 21% QoQ, down 10% YoY; operating EPS $0.75.","Net interest margin expanded 38 bps to 3.57%; efficiency ratio improved to 48.4% GAAP (47.7% operating).","Total loans grew $341M (9.4% annualized); deposits fell $552M, mainly seasonal public deposit decline.","Provision for credit losses $15.4M (vs -$11.0M release in Q3 2021); allowance for loan losses 1.12% of loans.","Quarterly common dividend declared at $0.22/share, up 10% YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":1.78,"consensus_revenue_estimate":null,"consensus_revenue_actual":602740000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"positive","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":361961,"accession_number":"0000857855-22-000048","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2022-08-18T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"UCBI appoints George Bell to Board, increasing size to 12","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["George Bell appointed as director on Aug 17, 2022, to fill vacancy from board expansion from 11 to 12 members.","Bell is independent under Nasdaq standards; no related party transactions reported.","Most recently EVP at Truist (2019-2021); previously 30 years at BB&T and 9 at Bank of America.","CEO cites Bell's IT and software engineering expertise as critical for growth in Southeast markets.","Bell to serve until next annual meeting; committee assignments pending."],"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":0.3,"calibrated_materiality_score":0.3,"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":361960,"accession_number":"0001104659-22-080861","cik":857855,"company_name":"UNITED COMMUNITY BANKS INC","ticker":"UCB","form_type":"8-K","filed_at":"2022-07-19T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"UCBI Q2 net income $66.8M; EPS $0.61 (+42% linked Q); NIM expands 22bps","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $66.8M, diluted EPS $0.61 (+42% QoQ, -22% YoY); operating EPS $0.66.","Pre-tax pre-provision income $91.6M; net interest margin 3.19% (+22bps QoQ).","Core annualized loan growth 7.0% ex-PPP; deposits down $183M.","Provision for credit losses $5.6M; ACL/loans 1.05%; NPAs 0.14% of assets.","Quarterly dividend $0.21/share (+11% YoY); merger with Progress Financial announced."],"consensus_eps_estimate":null,"consensus_eps_actual":1.04,"consensus_revenue_estimate":null,"consensus_revenue_actual":386436000.0,"consensus_period":"2022-Q2","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}],"next_cursor":"2022-07-19T23:59:59+00:00|361960"}