OakChart

United Community Banks Inc

UCBFinancial·Banks - Regional·USA·Mid·NYSE·Nov 11 • 3:59 PM ET

37.44+0.02 (0.05%)
2026-11-12 00:09 CET
Market cap
4,475.17 USD m
Revenue, TTM
- USD m
Net income, TTM
144.52 USD m
Free cash flow, TTM
502.13 USD m
EPS diluted, TTM
1.19
P/E
31.45
Compare

Price

UCB against its 20, 50 and 200-day averages
2050200beat
32.0034.0036.0038.001.5M3.1MVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26UCBclose 37.4420-day 36.5250-day 35.18200-day 34.2037.4452w high

3.1% under the 52-week high of 38.63 on 4 Nov 2026. 52-week low 28.82 on 18 Nov 2025. Last 15 sessions, 8.4% high to low

Volume 0.86× normal · the line is the 50-bar volume average

Profile

UCB
52-week range, 88% of the way up
28.8238.63

United Community Banks, Inc. is a bank holding company, which engages in the provision of diversified financial services. The firm also offers checking, savings, mortgages, borrowing, digital banking, credit cards, and investing services. The company was founded in 1950 and is headquartered in Greenville, SC.

IndexRUT
Employees3070
IPOMar 18, 2002
Beta0.87
ATR, 14d0.82
Rel volume0.86
Short float4.82%
Insider own0.67%
Inst own88.63%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap4.48B
Enterprise Value-
Income144.52M
Sales1.61B
Book/sh29.27
Cash/sh-
Dividend Est.1.02 (2.72%)
Dividend TTM1.01 (2.70%)
Dividend Ex-DateSep 15, 2026
Dividend Gr. 3/5Y4.45% 6.36%
Payout37.40%
Employees3070
IPOMar 18, 2002

Ratios

P/E31.45
Forward P/E10.85
PEG0.98
P/S2.79
P/B1.28
P/C-
P/FCF8.92
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.08
Debt/Eq0.01
LT Debt/Eq0.01
Option/ShortYes / Yes

Earnings

EPS (ttm)1.19
EPS next Y3.45
EPS next Q0.83
EPS this Y11.56%
EPS next Y14.16%
EPS next 5Y11.07%
EPS past 3/5Y1.30% 6.49%
Sales past 3/5Y17.66% 16.39%
EPS Y/Y TTM-52.84%
Sales Y/Y TTM5.43%
EPS Q/Q-264.94%
Sales Q/Q16.14%
EarningsOct 20 BMO
EPS/Sales Surpr.-0.38% 3.24%

Ownership

Insider Own0.67%
Insider Trans-3.10%
Inst Own88.63%
Inst Trans2.16%
ROA0.51%
ROE4.07%
ROIC4.07%
Gross Margin-
Oper. Margin34.92%
Profit Margin9.00%
SMA202.51%
SMA506.41%
SMA2009.46%
Trades-

Technical

Shs Outstand119.83M
Shs Float118.79M
Short Float4.82%
Short Ratio6.26
Short Interest5.73M
52W High38.63 -3.08%
52W Low28.82 29.91%
Volatility2.50% 2.32%
ATR (14)0.82
RSI (14)61.41
Beta0.87
Rel Volume0.86
Avg Volume914.21K
Volume787,978

Performance

Perf Week-0.58%
Perf Month12.20%
Perf Quarter1.85%
Perf Half Y16.31%
Perf YTD19.92%
Perf Year23.69%
Perf 3Y62.92%
Perf 5Y2.35%
Perf 10Y50.42%
Recom2.14
Target Price40.88
Prev Close37.42
Price37.44
Change %0.05%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Apr 27, 2026ReiteratedHHovde GroupMarket Perform$38 → $37-1.2%
Apr 09, 2026UpgradeKKeefe BruyetteMkt Perform → Outperform$40+6.8%
Feb 09, 2026DowngradeHHovde GroupOutperform → Market Perform$38+1.5%
Jul 24, 2025ReiteratedHHovde GroupOutperform$35 → $36-3.8%
Jul 08, 2025DowngradeRRaymond JamesOutperform → Mkt Perform
Apr 07, 2025UpgradeHHovde GroupMarket Perform → Outperform$32 → $31-17.2%
Mar 20, 2025ReiteratedHHovde GroupMarket Perform$36 → $32-14.5%
Dec 19, 2024UpgradeRRaymond JamesMkt Perform → Outperform$35-6.5%
Oct 19, 2023DowngradePPiper SandlerOverweight → Neutral$31 → $27-27.9%
Jul 20, 2023DowngradeKKeefe BruyetteOutperform → Mkt Perform$33 → $30-19.9%

Peers

Mkt cap
TickerCompanyMkt cap
SSBSouthState Bank Corp10.18B
ABCBAmeris Bancorp5.56B
PNFPPinnacle Financial Partners Inc15.39B
RNSTRenasant Corp3.63B
SFBSServisFirst Bancshares Inc4.50B
TOWNTownebank Portsmouth VA3.39B
FHNFirst Horizon Corp11.08B
HWCHancock Whitney Corp5.75B
SBCFSeacoast Banking Corp Of Florida3.25B
AUBAtlantic Union Bankshares Corp5.56B

Insider trading

11 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
BRADSHAW RICHARDEVP, Chief Banking OfficerOct 26 '26Sale37.171,34549,99382,054Oct 26 04:02 PM
HARRALSON JEFFERSON LOfficerOct 23 '26Proposed Sale36.8721,032775,450Oct 23 04:03 PM
Carande Carl StevenDirectorAug 10 '26Buy35.352,10174,2703,689Aug 10 04:03 PM
HARRALSON JEFFERSON LEVP, CFOJul 28 '26Sale35.4125,000885,25037,433Jul 28 04:39 PM
HARRALSON JEFFERSON LOfficerJul 27 '26Proposed Sale35.4125,000885,323Jul 27 04:15 PM
BRADSHAW RICHARDEVP, Chief Banking OfficerJul 27 '26Sale35.091,42449,96883,228Jul 27 04:07 PM
BRADSHAW RICHARDEVP, Chief Banking OfficerApr 27 '26Sale33.091,51049,96684,497Apr 28 04:18 PM
HARTON H LYNNPresident & CEOFeb 18 '26Sale34.6425,000865,90084,123Feb 19 04:02 PM
HARTON H LYNNOfficerFeb 17 '26Proposed Sale34.6225,000865,500Feb 17 11:50 AM
BRADSHAW RICHARDEVP, Chief Banking OfficerFeb 02 '26Sale34.171,46049,88872,003Feb 03 04:02 PM
KUMLER ALAN HSVP, Chief Accounting OfficerJan 23 '26Sale35.3612,043425,80621,096Jan 23 04:02 PM

Held by

AUM
TickerCompanyAUM
IJRiShares Core S&P Small-Cap ETFAUM: 106.27B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
VBVanguard Morningstar Small-Cap ETFAUM: 79.59B
DFSVUS Small Cap Value Portfolio ETF Class SharesAUM: 8.52B
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
DFATU.S. Targeted Value Portfolio-ETF Class SharesAUM: 14.47B
VBRVanguard Morningstar Small-Cap Value ETFAUM: 37.76B
KREState Street SPDR S&P Regional Banking ETFAUM: 4.43B
VXFVanguard Extended Market Index ETFAUM: 30.47B

News

latest 14 of 194
  • United Community Banks: Q3 Earnings Snapshot (Associated Press) +5.00%
  • United Community Banks, Inc. Reports Third Quarter Earnings (GlobeNewswire)
  • United Community adds five international banking specialists (PR Newswire)
  • United Community Banks, Inc. Announces Date for Third Quarter 2026 Earnings Release and Conference Call (GlobeNewswire)
  • United Community Bank Foundation nears $3 million in community giving, marks milestone anniversary (PR Newswire)
  • United Community Banks, Inc. Announces Completion of Strategic Initiatives That Simplify and Strengthen Balance Sheet; Increased Share Repurchase Authorization (GlobeNewswire)
  • United Community Banks, Inc. Announces Completion of Sale of Navitas Equipment Finance Business to Funds Managed by Wafra Inc. (GlobeNewswire)
  • United Community Names Dr. Jeff Beisler-Snell Head of International Banking and Capital Markets (PR Newswire)
  • United Community Names Tom Speir as New Chief Financial Officer (PR Newswire)
  • United Community Names Sean Simpson Chief Commercial Banking Officer (PR Newswire)
  • United Community Banks, Inc. Announces Quarterly Cash Dividend on Common Stock (GlobeNewswire)
  • United Community Banks, Inc. Appoints Industry Veteran Carl S. Carande to Board of Directors (GlobeNewswire)
  • United Community Banks, Inc. Announces Completion Of Merger With Peach State Bancshares, Inc., The Parent Company Of Peach State Bank & Trust (GlobeNewswire)
  • United Community Banks Inc (UCB) Q2 2026 Earnings Call Highlights: Strong EPS Growth Amid ... (GuruFocus.com)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-200.7700.773-1.160291.91282.757
2026Q22026-07-210.7100.8100.954279.28280.137
2026Q12026-04-210.7000.7000.694276.51273.877
2025Q42026-01-140.7100.7140.705278.39273.67
2025Q32025-10-220.7500.6960.705276.85270.987
2025Q22025-07-230.6600.6140.632260.24261.557
2025Q12025-04-220.5900.5600.578247.68246.97
2024Q42025-01-220.6300.5600.614239.47243.017
2024Q32024-10-230.5700.5780.379202.85241.468
2024Q22024-07-240.5790.5100.540245.83238.957
2024Q12024-04-240.5200.4960.507225.842328
2023Q42024-01-240.5300.5240.105232.05226.078
2023Q32023-10-180.4500.4400.391234.53242.996
2023Q22023-07-180.5500.6250.528236.67241.468
2023Q12023-04-180.5800.6940.521241.68249.828
2022Q42023-01-170.7500.8280.741223.41238.767

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY1.6301.6200.918440.45444.25
2018FY2.1402.1312.070522.21533.33
2019FY2.3802.3592.313560.96574.35
2020FY1.9801.8941.913657.87653.77
2021FY3.0903.0592.966744.4712.79
2022FY2.6602.7762.521826.15888.58
2023FY2.1102.1411.536944.94942.05
2024FY2.3002.2402.040901.17971.82
2025FY2.7102.7072.6201,0631,060
2026FY-3.023--1,135
2027FY-3.451--1,200
2028FY-3.713--1,264

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-20660290.14283293
2026Q4S2026-10-02660285.19283.1288.4
2026Q4S2026-09-30660284.69281288.4
2026Q4S2026-09-21660283.86281286.1
2026Q4S2026-09-14660283.73281286.1
2026Q4S2026-09-08651281.81274.6284.78
2026Q4S2026-09-07642280.95274.6284
2026Q4S2026-09-04632279.59274.6284
2026Q4S2026-08-26622276.29268.4281
2026Q4S2026-07-21624276.29268.4281
2026Q4S2026-07-07606275.35263.3279.62
2026Q4S2026-07-02615279.65263.3302.6
2026Q4S2026-06-30624283.5263.3302.71
2026Q4S2026-06-22633287.04263.3302.71

Estimate history

EPS, annual0.9182.072.3131.9132.9662.5211.5362.042.621.1903
Period201720182019202020212022202320242025TTM
EPS, quarterly0.3790.6140.5780.6320.7050.7050.6940.954-1.162
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual475.616588.628656.322718.163738.931941.6681311.1391486.7771533.7991606.53
Period201720182019202020212022202320242025TTM
Sales, quarterly357.834370.645370.782382.778399.581385.882375.639380.942464.067
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual77.5879.23479.01486.67589.35106.223119.01119.364120.598119.827
Period201720182019202020212022202320242025MRQ
Shares, quarterly119.283119.364119.514121.431121.553120.598119.684119.764119.827
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income1,387.261,382.941,377.741,237.11813.15578.79558.00552.71500.08
Total Interest Expense424.46473.83550.37419.3460.8029.7656.2483.3161.33
Net Interest Income962.80909.11827.37817.76752.36549.03501.76469.39438.75
Loan Loss Provision4.7248.8150.9589.4363.91-37.5580.4313.159.50
Net Interest Income After Loan Loss Provision958.07860.30776.42728.34688.44586.58421.32456.24429.25
Non-Interest Income219.27150.86109.0474.03128.51160.14160.17103.6288.55
Non-Interest Expense616.38578.54567.00542.61441.58384.99365.03314.24296.46
Operating Income560.97432.62318.46259.75375.38361.73216.46245.62221.34
Unusual Expense8.8810.208.6227.2119.3813.977.026.915.41
Net Income Before Taxes185.98422.41323.01232.54356.00347.76209.44238.71215.93
Income Taxes39.3494.3270.6145.0078.5377.9645.3652.9949.81
Consolidated Net Income144.52326.18250.92186.51276.01268.14162.80184.35164.93
Net Income From Continuing Operations144.52326.18250.92186.51276.01268.14162.80184.35164.93
Net Income144.52318.18244.63180.85269.13261.27159.27184.35164.93
EPS (Recurring)1.252.682.091.702.653.081.972.372.12
EPS (Basic, Before Extraordinaries)1.192.622.041.542.522.971.912.312.07
EPS (Diluted)1.192.622.041.542.522.971.912.312.07
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments-2.12-1.92-1.48-1.03-1.46-1.66-1.29-1.38-1.18
Stock Option Compensation Expense11.038.377.987.065.486.555.766.833.63
Price To Earnings Ratio31.4431.4421.0913.4114.4811.7015.0413.6410.37
Price To Sales Ratio2.502.472.612.633.834.283.303.752.90
Operating Margin34.9228.2121.4219.8139.8648.9530.1437.4237.60
Net Margin9.0020.7416.4513.7928.5835.3622.1828.0928.02
Shares Outstanding119.83120.60119.36119.01106.2289.3586.6879.0179.23
Market Capitalization4,475.174,475.173,854.163,481.353,588.553,209.192,463.482,438.961,697.04

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income362.56344.37333.96346.37353.85347.37335.36344.96
Total Interest Expense111.35103.47101.20108.44120.22121.83123.34134.63
Net Interest Income251.21240.90232.76237.93233.63225.53212.02210.33
Loan Loss Provision10.01-29.8010.8513.667.9111.8215.4211.39
Net Interest Income After Loan Loss Provision241.19270.70221.91224.26225.72213.71196.60198.94
Non-Interest Income101.5136.5741.6839.5245.7335.4135.4225.68
Non-Interest Expense154.31157.21154.36150.50146.59142.76138.43139.19
Operating Income188.39150.06109.23113.28124.86106.3693.6085.44
Unusual Expense6.510.900.870.613.474.831.302.20
Net Income Before Taxes-184.22149.17108.36112.68118.07100.5091.1696.41
Income Taxes-44.4833.5324.0726.2226.5821.7719.7520.61
Consolidated Net Income-139.99114.8883.7485.8990.9978.3071.0075.31
Net Income From Continuing Operations-139.99114.8883.7485.8990.9978.3071.0075.31
Net Income-139.99114.8883.7485.8986.1476.7269.4372.17
EPS (Recurring)-1.120.960.700.710.720.660.590.63
EPS (Basic, Before Extraordinaries)-1.160.950.690.710.710.630.580.61
EPS (Diluted)-1.160.950.690.700.700.630.580.61
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments-0.24-0.76-0.55-0.56-0.51-0.44-0.41-0.49
Stock Option Compensation Expense2.912.932.642.552.352.281.832.43
Price To Earnings Ratio31.4412.8312.0212.3514.2314.1113.7921.09
Price To Sales Ratio2.502.742.462.472.522.442.282.61
Operating Margin40.6039.3929.0829.3631.2527.7925.2423.05
Net Margin-30.1730.1622.2922.2621.5620.0418.7319.47
Shares Outstanding119.83119.76119.68120.60121.55121.43119.51119.36
Market Capitalization4,475.174,202.343,766.613,795.013,808.213,619.463,359.963,854.16

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks202.59296.16200.78195.77144.24148.90125.84126.08129.11
Investments6,500.557,334.416,733.896,790.767,923.015,296.903,040.973,147.703,177.57
Net Loans19,173.8917,968.9818,110.6815,175.2711,657.8111,233.818,750.468,322.207,676.66
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Net Property, Plant & Equipment430.76437.08421.23338.46274.72218.49235.88206.14208.85
Interest Receivables83.5685.6287.7872.8143.0047.6732.6635.4132.46
Deferred Tax Assets164.76183.57200.69199.4082.7238.4173.6387.23108.24
Other Intangible Assets1,535.351,501.031,629.671,306.50862.67810.20696.15671.44602.77
Total Assets28,091.4627,806.8427,384.7324,078.9720,988.1717,794.3712,955.5912,596.2011,935.65
Total Deposits23,798.4323,460.9723,310.6119,876.5118,241.1815,232.3610,897.2410,534.519,807.70
Total Debt243.76494.31368.971,075.28278.43326.96212.66427.19675.20
Long Term Debt148.74288.87357.55354.63270.24326.96212.66267.19356.20
Provision for Risks Charges15.0910.3916.0621.160.000.000.000.000.00
Deferred Tax Liabilities88.9086.5887.4870.0941.40-39.5723.0120.19
Other Liabilities306.59322.45340.09335.26204.91227.53170.42153.94129.23
Total Liabilities24,452.7724,374.7224,123.2021,378.3018,765.9215,786.8411,319.9011,138.6510,632.32
Preferred Stock - Carrying Value0.0088.2788.2796.4296.4296.420.000.000.00
Common Equity3,638.693,343.863,173.262,604.252,125.821,911.111,635.691,457.551,303.33
Total Shareholders Equity3,638.693,432.133,261.532,700.672,222.242,007.531,635.691,457.551,303.33
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity3,638.693,432.133,261.532,700.672,222.242,007.531,635.691,457.551,303.33
Total Liabilities & Stockholders Equity28,091.4627,806.8427,384.7324,078.9720,988.1717,794.3712,955.5912,596.2011,935.65
Book Value Per Share30.1728.0126.6624.5223.7922.0520.7018.4016.80
Tangible Book Value Per Share22.1520.0018.3417.1818.5017.6416.3714.3113.65
Tier 1 Capital2,824.732,696.402,520.782,260.631,784.601,603.171,299.401,172.611,076.46
Tier 2 Capital280.07285.87377.69349.58199.78251.20176.90176.2472.73
Full-Time Employees3,0702,9793,1213,0462,9212,3992,3082,3122,137
Price to Book Ratio1.281.161.131.411.541.291.521.171.65
Return on Assets1.170.910.721.221.381.061.441.340.59
Return on Equity9.237.506.2611.2112.688.9411.9211.955.65
Return on Invested Capital8.616.745.159.0310.766.979.979.564.05
Current Ratio0.030.040.070.050.210.190.090.050.05

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations542.74436.89389.71381.44400.85246.18240.32241.25236.78
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-8.05-71.01-15.45-70.1561.9251.82-34.92-47.7616.84
Cash from Operating Activities534.69365.88374.26311.29462.77298.00205.40193.48253.62
Capital Expenditures-32.57-27.58-47.04-72.48-42.70-26.48-18.46-20.94-17.62
Net Assets From Acquisitions-15.640.000.00-93.610.000.000.00-19.55-56.80
Sale of Fixed Assets and Businesses0.0041.259.75212.2344.99107.31196.606.596.48
Purchase or Sale of Investments1,180.40935.00-1,053.72780.46-796.98-2,065.62-679.37400.810.35
Purchase of Investments-4,252.66-526.84-2,056.09-1,000.18-2,062.14-3,409.42-1,613.78-353.87-578.32
Sale Or Maturity of Investments5,433.061,461.841,002.371,780.631,265.171,343.80934.40754.68578.66
Other Uses--0.040.000.000.00-0.61-10.240.000.00
Other Sources10.7818.8917.266.643.190.77-1.920.00
Cash from Investing Activities-179.5551.57-1,015.57-180.61-1,875.64-1,745.08-1,627.28123.67-343.08
Cash Dividends Paid-122.20-123.24-118.61-111.72-93.76-73.79-62.45-53.04-41.63
Change in Capital Stock-117.42-135.810.00-7.150.00-14.3676.96-10.620.82
Repurchase of Common Pref Stock-117.42-135.810.00-7.150.00-15.10-20.78-13.020.00
Sale of Common Pref Stock0.000.000.000.000.000.7497.742.400.82
Proceedsfrom Stock Options0.000.000.000.000.000.5197.742.190.68
Issuance or Reduction of Debt, Net-135.00-245.00126.44-992.62708.93-105.14-30.57-215.27-582.57
Change in Long Term Debt-135.00-135.00-68.56-645.00550.00-105.14-30.57-215.27-317.65
Issuance of Long Term Debt3,280.00126.001.102,225.00790.0010.00103.551,625.002,958.19
Reduction of Long Term Debt-3,415.00-261.00-69.66-2,870.00-240.00-115.14-134.12-1,840.27-3,275.83
Net Financing Active Other Cash Flow-1.86-1.22-0.01-0.81-7.03-3.18-3.12-1.69-2.00
Other Financing Activities Uses-1.97-3.37-2.87-6.32-8.15-3.18-3.12-1.69-2.00
Cash from Financing Activities-186.97-541.57157.31226.34-258.782,156.972,515.30-129.21102.46
Net Change in Cash168.17-124.12-484.00357.02-1,671.66709.891,093.41187.9412.99
Free Cash Flow502.13338.30327.22238.81420.07271.51186.94172.54236.00
Preferred Dividends (Cash Flow)--4.72-6.29-6.63-6.88-6.88-3.530.000.00
Price to Free Cash Flow10.5717.6318.5727.1111.0616.0119.0220.608.80
Federal Home Loan Advances Increase (Decrease)-0.000.000.000.000.000.000.000.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks125.07129.11177.03202.59205.01201.51
Investments7,386.788,838.576,371.696,500.556,755.376,943.21
Net Loans18,809.0517,855.4219,393.2419,173.8918,959.0018,704.38
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment409.53394.34391.88430.76394.54396.48
Interest Receivables63.9058.5058.4083.5655.6058.60
Deferred Tax Assets---164.76--
Other Intangible Assets2,087.701,775.191,784.341,535.351,773.951,781.35
Total Assets28,882.0429,051.1428,176.5828,091.4628,143.4728,085.52
Total Deposits24,887.8623,724.2124,025.0623,798.4324,020.6223,963.01
Total Debt39.691,180.60120.50243.76155.25155.14
Long Term Debt39.69820.60120.50148.74155.25155.14
Provision for Risks Charges21.0919.6217.6015.0912.4811.54
Deferred Tax Liabilities---88.90--
Other Liabilities426.09381.70358.75306.59358.27342.90
Total Liabilities25,374.7325,306.1424,521.9224,452.7724,546.6224,472.60
Preferred Stock - Carrying Value0.000.000.000.000.0088.27
Common Equity3,507.313,745.003,654.673,638.693,596.853,524.66
Total Shareholders Equity3,507.313,745.003,654.673,638.693,596.853,612.92
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity3,507.313,745.003,654.673,638.693,596.853,612.92
Total Liabilities & Stockholders Equity28,882.0429,051.1428,176.5828,091.4628,143.4728,085.52
Book Value Per Share29.2731.2730.5430.1729.5929.03
Tangible Book Value Per Share20.7023.2422.4722.1521.6021.00
Tier 1 Capital2,700.622,938.422,844.832,824.732,791.742,816.69
Tier 2 Capital230.80205.25-280.07281.44279.50
Full-Time Employees2,9993,1413,1183,0703,0583,050
Price to Book Ratio1.281.151.041.061.081.04
Return on Assets0.511.311.211.171.140.99
Return on Equity4.0710.219.479.239.017.81
Return on Invested Capital-3.952.522.222.272.422.08
Current Ratio0.080.050.050.030.050.05

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations192.90105.69122.33121.82109.29106.42
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-19.5410.9652.31-51.7711.46-9.78
Cash from Operating Activities173.36116.64174.6470.05120.7596.64
Capital Expenditures-10.67-9.21-6.92-5.76-5.39-12.12
Net Assets From Acquisitions-15.640.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.0041.25
Purchase or Sale of Investments1,440.41-529.8991.93177.94234.23325.61
Purchase of Investments-3,057.75-805.86-183.61-205.44-106.85-144.46
Sale Or Maturity of Investments4,498.16275.98275.54383.38341.08470.07
Other Uses-0.000.00-0.040.000.00
Other Sources4.441.332.852.167.804.67
Cash from Investing Activities909.14-883.05-150.90-54.74-17.22159.92
Cash Dividends Paid-30.39-30.38-30.59-30.84-31.11-30.65
Preferred Dividends (Cash Flow)0.000.000.000.00-1.57-1.57
Change in Capital Stock-50.000.00-37.09-30.33-91.54-13.94
Repurchase of Common Pref Stock-50.000.00-37.09-30.33-91.54-13.94
Sale of Common Pref Stock0.000.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-1,160.001,060.00-85.0050.000.00-100.00
Change in Long Term Debt-800.00700.000.00-35.000.00-100.00
Issuance of Long Term Debt1,165.001,640.00475.000.000.000.00
Reduction of Long Term Debt-1,965.00-940.00-475.00-35.000.00-100.00
Net Financing Active Other Cash Flow-0.75-0.38-0.28-0.450.020.18
Other Financing Activities Uses-0.75-0.38-0.28-0.55-1.06-0.08
Cash from Financing Activities-755.99728.3673.65-232.99-65.06-318.31
Net Change in Cash326.51-38.0497.39-217.6838.48-61.76
Free Cash Flow162.69107.43167.7264.29115.3784.51
Price to Free Cash Flow10.5712.7312.3117.6912.7219.45

Revenue breakdown

State Commercial Banks2024: 952.12M 2025: 1.06B
United States2024: 952.12M 2025: 1.06B

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-304.82%5.7M118.8M901.81K
2026-10-154.58%5.5M119.8M876.60K
2026-09-304.49%5.4M119.8M851.01K
2026-09-154.30%5.1M119.8M923.98K
2026-08-313.74%4.5M119.8M967.71K
2026-08-143.66%4.4M119.8M960.09K
2026-07-313.23%3.9M119.8M935.48K
2026-07-153.40%4.0M118.9M904.24K
2026-06-303.77%4.5M118.9M920.41K
2026-06-153.60%4.3M118.8M842.71K
2026-05-293.21%3.8M118.9M821.89K
2026-05-153.13%3.7M118.9M859.24K
2026-04-303.20%3.8M118.9M888.75K
2026-04-152.63%3.1M118.9M933.99K
2026-03-312.93%3.5M118.7M921.12K
2026-03-132.75%3.3M118.7M882.18K
2026-02-272.90%3.4M118.7M826.17K
2026-02-132.89%3.4M118.7M808.95K
2026-01-303.13%3.7M119.7M788.79K
2026-01-152.35%2.8M120.7M700.64K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call17.5017.7022.500.005.9460.000.000.973-0.0570.004
call20.0015.2020.000.005.1270.000.000.968-0.0560.004
call22.5012.7017.300.004.2580.000.000.962-0.0540.005
call25.0010.2014.800.003.6370.000.000.819-0.4220.015
call30.005.409.300.002.2490.000.000.750-0.3720.018
call35.000.704.804.701.5342.000.000.643-0.2800.022
call40.000.001.550.001.0960.000.000.390-0.1450.022
call45.000.003.600.001.6960.000.000.286-0.1900.020
call50.000.004.200.002.1560.000.000.244-0.2230.018
put17.500.004.200.002.8610.000.00-0.027-0.0580.004
put20.000.004.200.002.4150.000.00-0.032-0.0570.004
put22.500.000.200.001.9170.000.00-0.038-0.0490.005
put25.000.004.200.004.8760.000.00-0.181-0.4220.015
put30.000.004.200.003.5630.000.00-0.249-0.3710.018
put35.000.004.300.842.4352.000.00-0.356-0.2790.022
put40.000.604.800.001.4090.000.00-0.610-0.1440.022
put45.005.509.900.002.0870.000.00-0.713-0.1880.020
put50.0010.5014.900.002.5770.000.00-0.755-0.2200.018

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0410-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-294Statement of changes in beneficial ownership of securities2026-10-29SEC
2026-10-2813F-NTFurther understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff);2026-09-30SEC
2026-10-264Statement of changes in beneficial ownership of securities2026-10-26SEC
2026-10-23144Filing for proposed sale of securities under Rule 144.SEC
2026-10-208-KCurrent report2026-10-20SEC
2026-09-094Statement of changes in beneficial ownership of securities2026-09-08SEC
2026-09-088-KCurrent report2026-09-08SEC
2026-09-088-KCurrent report2026-09-08SEC
2026-09-083Initial statement of beneficial ownership of securities2026-09-08SEC
2026-09-024Statement of changes in beneficial ownership of securities2026-09-01SEC
2026-09-018-KCurrent report2026-09-01SEC
2026-08-198-KCurrent report2026-08-19SEC
2026-08-174Statement of changes in beneficial ownership of securities2026-08-15SEC
2026-08-1313F-NTFurther understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff);2026-06-30SEC
2026-08-104Statement of changes in beneficial ownership of securities2026-08-10SEC
2026-08-06SCHEDULE 13G/ASEC
2026-08-0510-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-034Statement of changes in beneficial ownership of securities2026-08-01SEC
2026-08-033Initial statement of beneficial ownership of securities2026-08-01SEC
2026-08-038-KCurrent report2026-08-01SEC
2026-08-038-KCurrent report2026-08-03SEC
2026-07-304Statement of changes in beneficial ownership of securities2026-07-29SEC
2026-07-284Statement of changes in beneficial ownership of securities2026-07-24SEC
2026-07-284Statement of changes in beneficial ownership of securities2026-07-24SEC
2026-07-284Statement of changes in beneficial ownership of securities2026-07-28SEC
2026-07-284Statement of changes in beneficial ownership of securities2026-07-24SEC
2026-07-284Statement of changes in beneficial ownership of securities2026-07-24SEC
2026-07-27144Filing for proposed sale of securities under Rule 144.SEC
2026-07-274Statement of changes in beneficial ownership of securities2026-07-27SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100049.99K1
2026-090000
2026-0874.27K100
2026-0700935.22K2
2026-060000
2026-050000
2026-040049.97K1
2026-030000
2026-0200915.79K2
2026-0100425.81K1
2025-120000
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.14.62%
VANGUARD PORTFOLIO MANAGEMENT LLC6.78%
FMR LLC6.43%
DIMENSIONAL FUND ADVISORS LP5.61%
STATE STREET CORP5.46%
VANGUARD CAPITAL MANAGEMENT LLC4.53%
Neuberger Berman Group LLC2.94%
EARNEST PARTNERS LLC2.70%
GEODE CAPITAL MANAGEMENT, LLC2.59%
Invesco Ltd.1.85%

Funds

Fund% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND3.17%
iShares Russell 2000 ETF2.41%
VANGUARD SMALL-CAP INDEX FUND2.29%
Fidelity Low-Priced Stock Fund2.10%
Neuberger Genesis Fund1.64%
VANGUARD SMALL-CAP VALUE INDEX FUND1.45%
U.S. SMALL CAP VALUE PORTFOLIO1.28%
VANGUARD EXTENDED MARKET INDEX FUND1.14%
Fidelity Small Cap Index Fund1.12%
Nomura Small Cap Core Fund1.07%

OakChart. UCB. Cached 15 minutes.