United Community Banks, Inc.
UCBHIGH VELOCITYFILING INTENSITYUnited Community Banks, Inc. reads as High Velocity (composite 70/100); pressure / disclosure signals dominate the posture this cycle · primary market Regional Banking.
Lens
Disclosed M&A capital (2023–2025)
N/A
vs N/A in 2020–2022
Disclosed transactions
1
1/3 active fiscal years in window
Buyer archetype
Consistent Strategic Buyer
Meaningful spend appears across repeat years.
Composite score
70
High Velocity dominates · Filing Intensity
Behavioral posture, nine reads.
Each index scores the issuer 0–100 against an EDGAR-anchored definition. Scores ≥ threshold elevate the issuer into the index's constituent set; the dominant index drives the masthead label.
Active Acquirer
Companies actively deploying disclosed capital into M&A
- $581M disclosed buyer spend
Buyer Cadence
Buyer-side companies with recent filing activity
- Filed within 34d
- 271 8-Ks
Target Probability
Issuers showing target-side patterns from filings
- Control-process language
- 5 activism filings
Spin/Carve
Issuers showing spin-off, carve-out, or sum-of-parts posture
- 5 activism filings
Pressure Watch
Issuers facing activism, governance, or control pressure
- 5 activism filings
- Latest activism 10y ago; heavily discounted
- Control-process filings
Distress Watch
Issuers showing financial-distress filing patterns
- 5 activism filings
Restatement Risk
Issuers with accounting-integrity flags from filings
- 1 non-reliance 8-K
- 2 auditor changes
- 1 NT late filing
- Latest event 13y ago; heavily discounted
Capital Velocity
DominantIssuers with the highest filing-activity intensity
- 271 8-Ks
- 5 form types
Quiet Power
Large issuers with low signal volume and clean disclosure cadence
- Enterprise value $3.9B
- 10-Q 34d ago
- 5 active signals
Capital cadence.
Ten-year disclosed M&A activity. Bars show spend ($MM); ticks show recorded transaction count. Disclosure tier annotated where v6 audited corpus carries an entry.
Disclosed spend $MM Disclosed transactions (right axis)Peak spend year: $103M · Peak count: 2
| FY | Disclosed buys | Disclosed spend | Avg ticket | Audited tier |
|---|---|---|---|---|
| 2025 | 1 | N/A | N/A | N/A |
| 2024 | N/A | N/A | N/A | N/A |
| 2023 | N/A | N/A | N/A | N/A |
| 2022 | 1 | N/A | N/A | N/A |
| 2021 | 2 | $103M | $52M | N/A |
| 2020 | 1 | $24M | $24M | N/A |
Strategy posture.
The buyer's playbook in terms of strategic archetype: what each disclosed move says about how they're deploying capital.
Archetype mix
- Geographic Expansion33%
- Bolt On33%
- Horizontal Consolidation33%
Strategy keywords
Terms recurring across recent 10-K acquisition disclosures.
- geographic_expansion
- horizontal_consolidation
- bolt_on
Filing language.
Direct excerpts from acquisition disclosures and strategy sections: the verbs the buyer chose, in the filings they signed.
“The BHC Act requires every bank holding company to obtain the Federal Reserve’s prior approval before (1) acquiring direct or indirect ownership or control of more than 5% of the voting shares of any bank that it does not already control”
“In addition, a bank holding company is generally prohibited from engaging in, or acquiring a direct or indirect interest in or control of more than 5% of the voting shares of any company engaged in, non-banking activities.”
“We have grown through a combination of acquisitions and strategic growth throughout Georgia, South Carolina, North Carolina, Tennessee, Florida and Alabama”
“Mergers and acquisitions present opportunities to enter new markets with an established presence and a capable management team already in place.”
Market context.
Where this issuer sits inside its SE-Cluster rollup wedge, with disclosed-spend rank plus trading comparables against the public peer set.
Primary market
Regional Banking
- Market spend (2023–2025)
- $245.7B
- Market spend (2020–2022)
- $72.8B
- Recent vs prior
- +238%
- Issuer rank in market
- N/A
- Share of market capital
- 0.0%
Valuation positioning
UCB trades at a -3.8-turn discount to the Regional Banking peer median of 12.3×.
- EV / Revenue
- 2.5×
- Net debt / EBITDA
- -0.8×
- Peer median EV / EBITDA
- 12.3×
Trading comparables
FMP market data · 2026-05-10
| Company | EV / EBITDA | EV / Rev | Net debt / EBITDA | Revenue | M&A 2023–2025 |
|---|---|---|---|---|---|
| 16.7× | 3.7× | -0.9× | $13.7B | $12.7B | |
| 13.9× | 3.0× | -0.7× | $58.4B | $126.1B | |
| 10.7× | 3.2× | -2.1× | $3.4B | $7B | |
| 9.3× | 2.2× | -0.3× | $14.5B | $72.6B | |
United Community Banks, Inc.UCB | 8.5× | 2.5× | -0.8× | $1.5B | N/A |
Trading multiples from FMP market data; disclosed M&A spend from the SE-Cluster EDGAR 10-K corpus. Peer set = top disclosed buyers in Regional Banking. Bars scaled to the highest EV/EBITDA in the set.
Buyer landscape.
Public buyers whose stated archetypes, target categories, and recent cadence align with this issuer as a plausible acquisition target. Scores cross EDGAR signal and disclosure overlap.
Likely buyers
No public buyers surface as a strong target-side fit on current signal.
Likely sellers / divestiture partners
No reciprocal divestiture / strategic-alternatives matches identified.
Filing activity & signal stream.
Filing cadence and event-driven signals visible on EDGAR. The signal stream below is curated from restatement / spin-carve / activism categories, providing context for any near-term call.
Filing cadence
- 10-K (annual)352026-02-17
- 10-Q (quarterly)992026-05-06
- 8-K (event)2712026-04-28
- Proxy / DEF 14A422026-04-01
- Activism (13D / DFAN / PREC)52016-05-06
Signals on file
- critical
Non-reliance disclosure
2012-01-061 Item 4.02 filing on file; financial-statement non-reliance.
- elevated
Auditor change
2013-03-012 Item 4.01 filings on file; certifying accountant change.
- watch
Late-filing notice
2000-11-151 NT 10-K/10-Q filing on file.
- elevated
Activism on file
2016-05-065 activist filings on file (13D, DFAN14A, PREC14A series).
- info
Signal
Serial acquisition history
- info
Signal
10-K strategy themes
- info
Signal
Recent transaction activity
Audited corpus.
No audited record on file for this CIK in the current v6 corpus.
This issuer has not been extracted into the v6 audited acquirer corpus yet. The brief above pulls from ranking-level aggregates and issuer-index signal only.