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Up 5% on Oct 20, and still 11% over its Oct 19 close.
| The chart | Above every average |
| Latest filing | 10-Q, Nov 4 |
After its last 4 reports it closed +0.7% on average, higher 2 of 4 times.
Above Averagefor quality, not price, 6 of 14 chart checks firingWhat the Quality Score means
UCB is #35 of 168 by Quality Score.
| Rank | Stock | Quality Score |
|---|---|---|
| 1 | ||
| 2 | ||
| 3 | ||
| Open for its score | ||
| Open for its score | ||
| Open for its score | ||
| Open for its score | ||
| 35 |
Net income over four quarters: UCB $147M, FNB $607M, AUB $532M, CATY $365M.
Expected to report Wed Jan 13, before the open (in 64 days).
What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.
A loss of $1.16 a share, from a profit of $0.70.
“Average securities yield of 3.34% for 3Q26, up 37 bps from 2Q26, primarily due to portfolio repositioning”
UCB's results filing gives no sales by line in a table we read.
| Measure | Figure |
|---|---|
| Quarterly reinvestment cash flow | about $340M |
“Full quarter benefit of securities repositioning expected to be realized in 4Q26”
From its results filing (SEC filing · Oct 20)
Sales grew 13% a year over 5 years, fiscal 2020 to 2025.
Pays $1.04 a share a year.
| Reported | Gap | Reaction | 5 days |
|---|---|---|---|
| Oct 20, 2026 | +0.7% | +5.0% | +9.9% |
| Jul 21, 2026 | -1.5% | -1.9% | -2.4% |
| Apr 21, 2026 | -2.5% | -3.3% | -1.8% |
Sales grew every year from 2018 to 2025, to $1.1B. It made a profit in each of the eight years.
RSI 61.3, MACD above signal, above both averages. Not scored.
Its dividends come to 31% of its free cash flow.
| Dividend | $1.04 a share a year |
| Paid out | About $124M a year |
| Free cash flow | $404M |
| Record | Raised each of the last 2 years |
One insider bought $74K across 1 filing, and 2 insiders sold $985K across 5 filings, in the last 6 months. The newest:
One trade disclosed in the last six months. The newest:
Officers and directors with a Form 4 in the last 12 months.
In ETFs: UCB is under 0.1% of DGRO, under 0.1% of VIG, and under 0.1% of VYM, the most of the 24 funds Breakaway covers, by their holdings as filed for Jul 31, 2026.
United Community Banks Inc provides a wide range of financial products and services to the commercial, retail, governmental, educational, energy, health care and real estate sectors. This includes a variety of deposit products, secured and unsecured loans, mortgage loans, payment and commerce solutions, equipment finance services, wealth management, trust services, private banking, investment advisory services, insurance services, and other related financial services. These products and services are delivered through a variety of channels including its branches, other offices, the Internet, and mobile applications. It operates as a locally-focused community bank, supplemented by experienced, centralized support to deliver products and services to its c ustomers.
“Our profitability depends principally on our ability to effectively compete in the markets in which we conduct business.”
UCB scores 12 today, which Breakaway calls Above Average. It is #35 of 168 in Banks by Quality Score, with 6 of 14 chart checks firing. Up 5% on Oct 20, and still 11% over its Oct 19 close. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.
UCB scores 12 today, which Breakaway calls Above Average (11 to 14). That is #35 of 168 in Banks by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind UCB's 12.
One insider bought $74K across 1 filing, and 2 insiders sold $985K across 5 filings, in the last 6 months. The newest is Richard Bradshaw, EVP, Chief Banking Officer, who sold $50K on Oct 26. Every filing, with the scored weight, for Pro members.
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Insider and Congress trades, the chart, and the financials, in one score.
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