Stock Ratings / Financials / UCB / financials

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United Community Banks Inc. (UCB) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$36.73 -1.29% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $36.73

United Community Banks Inc. (UCB) earns a Roarable Rating of B (Buy) with 74/100 RQD Confidence. High-quality cash engine (steady margins, 9% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 74/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.3% avg 90D alpha vs SPY • 69.4% hit rate) →

ROARABLE B • BUY Cap $4.49B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on UCB Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is UCB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, United Community Banks Inc. (NYSE: UCB) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 74/100 at a spot price of $36.73 (-1.29% 1D, market cap $4.49B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, UCB ranks #48 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does UCB compare to FULT and SFBS in the Financials sector?

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Within the Financials sector (Major Banks), UCB carries a Roarable B (74/100 RQD), trailing P/E of 13.7x, gross margin of —, and ROIC of 9.0%. By comparison, FULT (Fulton Financial Corporation) holds a C grade (64/100 RQD, P/E 11.5x, ROIC 11.2%, cap $4.52B) and SFBS (ServisFirst Bancshares Inc.) posts a C grade (63/100 RQD, P/E 16.0x, ROIC 15.0%, cap $4.43B). Among the 5-stock peer group, FULT leads on earnings multiple (11.5x) while SFBS leads on capital efficiency (15.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for UCB?

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Per UCB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000857855), United Community Banks Inc. generated $1.06B in revenue (+11.7% YoY), $328.1M in net income, and $356.5M in free cash flow against $28.00B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $36.73 (+0.01%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 33.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 74/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.3% avg 90D alpha vs SPY • 69.4% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk B+

Each axis scored 0–20

12M PRICE TARGET CONE+7.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for UCB)Realized 20D OHLCV Swing Band: ±4.5%

Deterministic 5-Pillar Attribution (74/100 Composite)

🔍 WHY UCB SCORES 74/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+18/20 pts (24% of score)

FRED Regime × Technicals: 92% of 52W Range • RSI-14 at 62.4 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (22% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)

Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B-$33.38+2.1% Next Q

Q2 (-2Q)

Grade B-$34.09+8.5% Next Q

Q3 (-1Q)

Grade B$36.99-0.7% Next Q

Current

Grade B$36.73+7.3% Hist 90D α

Trajectory: B- (66) → B (74)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the UCB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 74/100 (B) score, UCB faces multiple-compression risk if 13.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($34.82) or 200D SMA ($34.08) invalidates the momentum regime and cuts Target Base ($39.37) toward Bear Floor ($30.12).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $UCB• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “UCB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 74%NO 26%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How UCB Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$356.5M (33.5% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $893.2M

FY24

Rev $952.1M

FY25

Rev $1.06B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$1.06B	52%	0%	$328.1M	$356.5M	9%
FY 2024	$952.1M	52%	0%	$252.4M	$302.7M	9%
FY 2023	$893.2M	52%	0%	$187.5M	$294.0M	9%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring UCB)

✓Walkthrough of UCB's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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UCB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +10.20%📐 HORIZONTAL RANGE

2026-10-30O $37.43H $37.44L $36.53C $36.73VOL 1.05M

RES: $37.47SUP: $32.04SMA50: $34.82SMA200: $34.08

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

UCB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 UCB Butterfly Map → + Track UCB →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

5.3%/yr Implied 5Y Growth

vs. +11.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on UCB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for UCB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for UCB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (UCB)

Financials Rank #48 of 1096 ⚔️ FULT vs UCB Full Matrix →

1. Head-to-Head Financials Peer Comparison (UCB vs. FULT, SFBS, FFIN, CATY)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, United Community Banks Inc. (UCB) ranks #48 by composite RQD confidence (74/100, grade B) and #292 by equity capitalization ($4.49B). Within this direct 5-issuer industry benchmark cohort, FULT leads on earnings valuation at 11.5x trailing P/E, while SFBS leads on capital efficiency and profitability with 15.0% ROIC and — gross margin. UCB currently leads its immediate peer cohort in composite quantitative strength at 74/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
UCB ACTIVE United Community Banks Inc.	B	74/100	13.7x	—	9.0%	-1.29%	$4.49B	Benchmark Subject
FULT Fulton Financial Corporation	C	64/100	11.5x	—	11.2%	-0.89%	$4.52B	/fult-vs-ucb →
SFBS ServisFirst Bancshares Inc.	C	63/100	16.0x	—	15.0%	-0.59%	$4.43B	/sfbs-vs-ucb →
FFIN First Financial Bankshares Inc.	D+	57/100	17.4x	—	13.2%	-0.52%	$4.41B	/ffin-vs-ucb →
CATY Cathay General Bancorp	B-	71/100	13.8x	—	10.8%	-1.45%	$4.36B	/caty-vs-ucb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000857855

In its most recent audited fiscal period (FY2025, filed 2025-12-31), United Community Banks Inc. (UCB) reported GAAP revenue of $1.06B (+11.7% vs. FY2024 revenue of $952.1M , and +19.0% cumulative change since FY2023) , GAAP net income of $328.1M, operating cash flow of $384.0M, and free cash flow of $356.5M (+17.8% YoY). On the balance sheet, UCB closed FY2025 with $28.00B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$1.06B	$328.1M	$384.0M	$356.5M	$28.00B	—
FY2024 (FY)	2024-12-31	$952.1M	$252.4M	$349.7M	$302.7M	$27.72B	—
FY2023 (FY)	2023-12-31	$893.2M	$187.5M	$294.0M	$294.0M	—	—

3. UCB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is UCB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does UCB compare to FULT and SFBS in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for UCB?

Where is UCB trading relative to its 50-day, 200-day, and 52-week technical levels?

UCB last traded at $36.73 (-1.29% on volume of 1,052,867 shares), positioning the stock +5.49% above its 50-day simple moving average ($34.82) and +7.78% above its 200-day simple moving average ($34.08). Across its 52-week range of $28.65 to $37.45, UCB sits at the 91.8% percentile with a 14-day RSI of 62.4 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.5% ($35.08 to $38.38).

UCB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is United Community Banks Inc. (UCB)?

In FY 2025 (10-K), UCB converted $1.1B of revenue into a 52% gross margin, 0% operating margin, and $356.5M in free cash flow (33.5% FCF margin).

Direct Sub-Reports: UCB RQD Cockpit UCB 12M Forecast UCB Earnings & Move UCB Dividends & DRIP UCB Insiders & 13F UCB Whale Options UCB Profit Sankey UCB News & Why