United Community Banks, Inc.

Financial Services

NYSE:UCB · New York Stock Exchange

Market Cap $4.14B Beta 0.84 P/E (TTM) 12.2
$34.63 +1.05%

+$0.36 today

52W Low $27.23High $36.77

Vol 0.72M · Avg 0.96M

EPS (TTM)$2.83
Div Yield2.86%
Banks - Regional

Management

Put operating results in leadership context

Review returns on capital, executive background, insider transactions, and growth quality to judge whether management is compounding value well.

Return Metrics

ROE, ROIC & ROA over time

Management

ROE

9.0%

avg 8.8%

ROIC

7.8%

avg 6.8%

ROA

1.2%

avg 1.0%

Analysis

ROE is currently the strongest return metric at 9.0% versus its period average of 8.8%. 0 of 3 return metrics are above their quality threshold, which helps indicate how efficiently the company turns capital and assets into profit.

Management

Key executives, compensation & ownership

Management
NameTitleCompensationTenureAgeShares OwnedOwnership %

Herbert Lynn Harton

President, Chairman & CEO$3.42M64$84,123.000.07%

Richard William Bradshaw

President & Chief Banking Officer$1.79M64$84,497.000.07%

Jefferson Lee Harralson

Executive Vice President & Chief Financial Officer$1.30M60$66,131.000.06%

Melinda Davis Lux

Chief Administrative Officer, General Counsel & Corporate Secretary$1.27M53$8,120.00<0.01%

Robert A. Edwards

Executive Vice President & Chief Risk Officer$1.00M61$61,775.000.05%

Carol A. Chastain

Chief Compliance Officer$61,775.000.05%

Holly Berry

Chief Human Resources Officer51$11,598.00<0.01%

Mark Aaron Terry

Chief Information Officer59$27,356.000.02%

Abraham A. Cox

Chief Consumer and Small Business Banking Officer49$18,820.000.02%

Alan H. Kumler

Chief Accounting Officer, Senior Vice President & Controller$21,094.000.02%

Insider Trading

SEC Form 4 transactions — last 12 months

Management

Buys

0

$0.00

Sells

8

$1.49M

Net Sentiment

$1.49M

Net selling

Most Active

BRADSHAW RICHARD

6 transactions

DateInsiderTypeSharesPriceValue
Apr 27, 2026

BRADSHAW RICHARD

Direct

Sell1.5K$33.09$49,965.90
Feb 18, 2026

HARTON H LYNN

Indirect

Sell25.0K$34.64$865,900.00
Feb 2, 2026

BRADSHAW RICHARD

Direct

Sell1.5K$34.17$49,888.20
Jan 23, 2026

KUMLER ALAN H

Direct

Sell12.0K$35.36$425,805.56
Oct 27, 2025

BRADSHAW RICHARD

Direct

Sell1.7K$30.23$50,000.42
Jul 28, 2025

BRADSHAW RICHARD

Direct

Sell1.6K$30.94$49,318.36
Jul 28, 2025

BRADSHAW RICHARD

Direct

Sell20$30.97$619.40
Jul 28, 2025

BRADSHAW RICHARD

Direct

Sell2$30.95$61.90

Analysis

Insiders reported 0 buys worth $0.00 and 8 sells worth $1.49M over the last 12 months. That adds up to net selling of $1.49M. BRADSHAW RICHARD was the most active insider with 6 transactions.

Growth Analysis

Historical CAGR & forward analyst estimates

Metric 10yr5yr3yr Fwd Est.
EPSN/AN/A+35.3%
+9.7% (12yr)5 analysts
RevenueN/AN/A+2.9%
+11.0% (12yr)3 analysts
Net IncomeN/AN/A+28.3%
+15.5% (12yr)3 analysts
EBITN/AN/A+48.8%
+10.4% (12yr)3 analysts

Analysis

Recent growth has been strongest in EBIT at +48.8% over three years. Forward estimates point to Net Income at +15.5% (12yr), giving you a quick check on whether expectations are accelerating or cooling.

Who manages UCB?

United Community Banks, Inc. (UCB) lists 10 active executives. The top listed executive is Melinda Davis Lux, Chief Administrative Officer, General Counsel & Corporate Secretary.

Are UCB insiders buying or selling?

Recent insider activity shows net selling of $5.26M.

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