Credit and interest ratesnegative · 5 filings
“The increase in net interest revenue was mostly driven by lower deposit interest expense.”10-Q · Aug 5, 2026 ↗
United Community Banks, Inc.
UCB
Market read
United Community Banks, Inc.'s current read is isolated; its market group is not confirming.
No new filing conclusion is available. 0 of 15 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 0 directly disclosed connections are confirming.
Company+0.3% todayVolume comparison unavailable
Market group0 of 15 activeRegional Banks · unavailable
Disclosed network0 of 6 confirmingNo filing-linked name is confirming now
What would change this read
Watch this read- United's latest margin expansion came as deposit rates fell faster than loan yields after 75 basis points of aggregate federal-funds-rate cuts.
- Average rate paid on interest-bearing deposits decreased 52 bps, reducing deposit interest expense by $20.9 million.
Invalidation: The isolated read changes if UCB's group or a disclosed connection begins moving with it.
Research brief
The story so far
No new filing conclusion is available. 0 of 15 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 0 directly disclosed connections are confirming.
Evidence that supports
No thresholded supportive filing evidence is available yet.
Evidence that challenges
No thresholded adverse filing evidence is available yet.
What would clarify the read
- United's latest margin expansion came as deposit rates fell faster than loan yields after 75 basis points of aggregate federal-funds-rate cuts.
- Average rate paid on interest-bearing deposits decreased 52 bps, reducing deposit interest expense by $20.9 million.
Company research
Understand the business, not just the ticker
Business model and earnings drivers
Use the company’s filings to identify the few operating, demand, cost, capital and regulatory variables that determine its earnings power.
Key research questions
- Which operating variable is changing?
- Is that change durable, cyclical or one-off?
- What evidence would disprove the current interpretation?
Annual periods9
Price observations327
Usable filing statements114
Verified relationships1
Evidence supporting the case
- Latest annual revenue changed +11.7% year over year.
- Net margin changed +4.4 percentage points in the latest annual period.
- Demand and volume has repeated favorable evidence across 3 filings.
Evidence challenging the case
- Credit and interest rates has repeated adverse evidence across 5 filings.
Questions before a position
- EV/sales is 81% below the available filing-peer median; determine whether growth and quality justify the difference.
Longer-term price context
Price as of Sep 10, 2026
35.166m+15.5%12m+7.8%24m—
Annual trajectory
Reported annual revenue and per-share history. This is accounting history, not a forecast.
PeriodRevenueYoYDiluted EPSShare change
2021-12-31$744.4M+28.9%$2.97+5.8%
2022-12-31$826.2M+11.0%$2.52+21.2%
2023-12-31$893.2M+8.1%$1.54+10.3%
2024-12-31$952.1M+6.6%$2.04+1.8%
2025-12-31$1.1B+11.7%$2.62+1.3%
What management says matters
Persistent and emerging business drivers
Demand and volumepositive · 3 filings
“Money market accounts increased the most significantly due to continued high demand as money markets are more liquid than time deposits and offer a higher interest rate than demand and savings accounts.”10-K · Feb 17, 2026 ↗
Legal and regulatory exposurenegative · 2 filings
“This was partially offset by a $2.37 million decrease in FDIC assessment and other regulatory charges, reflecting the release of the remaining FDIC special assessment accrual and a lower assessment rate for the first quarter of 2026 compared to the same perio…”10-Q · May 6, 2026 ↗
Macroeconomic conditionsnegative · 2 filings
“At June 30, 2026, the baseline economic forecast had tempered some of the optimism from the first quarter forecast to better reflect the economic conditions resulting from the conflict in Iran.”10-Q · Aug 5, 2026 ↗
Valuation discipline
Descriptive valuation snapshot
Price/sales 4.0× · EV/sales 4.1×. Comparisons use only industry-matched filing peers.
Scenario scaffold
Scenarios are withheld for Financial Services until sector-specific earnings and capital metrics are available; generic revenue/P/S scaffolds would be misleading.
Price action
How the market is pricing the story
35.16+0.3% today
Jodie does not have enough daily observations to draw a useful short-term chart for this asset. The latest quoted price was checked 10 Sept, 15:55 GMT-4; this is a coverage limitation, not a flat-price conclusion.
Developments
No sourced recent-development timeline yet
Jodie has not returned a relevant primary source or news item for UCB. This is an evidence-coverage gap, not a conclusion that nothing material happened.
Business and financial condition
Reported financial figures are not available yet
Jodie has not returned structured SEC XBRL fundamentals for this asset. This is a coverage limitation, not an assessment of the business or its financial health.
Filing analysis
No comparable filing assessment is available yet
Jodie has not yet found a suitable current-versus-prior filing comparison for UCB. This does not mean the latest filing was neutral or immaterial.
Business ecosystem
The relationships behind UCB
Customers, suppliers, partners and competitors named in company filings—not inferred from headlines.
Filing peers
Companies whose filings use similar operating language.
Open the three relationships above to see Jodie’s filing proof. Pro unlocks 6 more links, every receipt, and alerts when connected names begin moving. Unlock the full network →
What is moving around it
Live connections
UCB is currently a Early Follower in the organic co-movement group Regional Banks. This group is discovered from market behaviour rather than assigned from an industry taxonomy. No verified filing-linked names are available yet.
Context history
Theme membership history
No durable theme membership has been observed for this name yet.