UNITED COMMUNITY BANKS INC
UCB · Financials · Bank · FY2025 filings ·
Scored by the financial-sector model
Insider activity
Form 4 reports mix P/S market or private transactions with compensation-plan mechanics. Activity casually described as “insider selling” can include compensation mechanics; awards, tax withholding, and option exercises are shown by their exact filed class here, never collapsed into “Bought” or “Sold.”
These are disclosed filing facts and arithmetic aggregates, not a signal or verdict.
This machine-readable surface covers SEC ownership filings from 2003; it does not represent earlier paper-era records.
Records still being gathered — partial as of retrieval Aug 3, 2026.
Trailing-12-month totals and the 90-day cluster result are withheld because this issuer walk is incomplete.
No reported Form 4 rows were captured for UCB; the incomplete walk cannot establish zero activity, zero counts, or a negative cluster result.
A filing source-event date will appear when a Form 4 row is captured.
Retrieved .
Visual explainers
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What the financial-sector model scores (bank)
Median ROE 9.3% on average equity, above the 10% hurdle in 44% of 9 years.
Q3 scored 2 evidenced ratios equally; reserve score is unadjusted for Q4 and capped at 70.
Profitable in 100% of 10 years, ROE steady.
Net interest income is 3.26% of average assets, very steady over 9 years through FY2025.
Not scored for this company
- Canonical split-adjusted share history is incomplete; no book-value trend claim is made.
- Underwriting applies to insurance carriers; not part of the bank model.
Scored 4 of 5 applicable components (bank model); weights renormalized over the scored set.
Fundamentals
The 15-year revenue, margin, and ROIC series is built for the operating model’s lens and isn’t published for banks and insurers — a balance-sheet business is read through the components above, not through operating-company margins.
Financial-sector score history
| Reading | ||
|---|---|---|
| Aug 3, 2026 | 70 | |
| Jul 26, 2026 | 72 | |
| Jul 26, 2026 | 72 | |
Append-only — readings are added, never rewritten. Only readings on the same methodology version (moat-index-financials@1.0.0) are comparable; a change across versions is a scoring change, not a company event.