All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2024-07-26.
From the record
United Community Banks, Inc.'s filings since 2017 show 1 warning event: a notice about its exchange listing (8-K item 3.01, the latest 2024-07-26) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+11.3% a year over 10 filed years; profitable in 10 of 10.
From the record
United Community Banks, Inc.'s 10 filed years say what it did: revenue went from $404 million in fiscal 2016 to $1.1 billion in fiscal 2025, up 11.3% a year; it rose in 9 of 9 years; it never fell from a peak; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 4.4% a year. 37% of cash flow returned. Insiders: 9 sales, 1 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, United Community Banks, Inc.'s diluted share count grew about 4.4% a year, and dividends and buybacks returned about 37% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 9 sales and 1 purchase of their own stock on the open market in the year to 2026-10-29, buying about $74 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 9%: 9¢ of profit per shareholder dollar. Leverage 87%: owes 87¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, United Community Banks, Inc. earned about 9 cents of profit for every dollar of shareholders' money. Leverage: it owed about 87 cents per dollar of assets, and net share issuance: its share count grew 1.3% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 40% of 155 in its family; net margin 30.9%.
From the record
United Community Banks, Inc.'s standing among 155 graded names in its industry family: revenue of $1.1 billion in fiscal 2025 ranks in the top 21% by size; a net margin of 30.9% ranks in the top 11%; revenue growth of 8.8% a year over the last 3 filed years ranks in the bottom 12% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 43% of 150 in its family for leadership; chief executive since 2018.
From the record
United Community Banks, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Harton, H Lynn (President & CEO, as filed), filing under that title since 2018-08-14, 8.2 years (top 47% of its family); the 22 officers and directors filing in the last fifteen months have been on the record a median of 7.9 years (top 43%); 6 officer or director changes were reported on Form 8-K since 2023-11-13, against the 22 people in charge now (top 39%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 49% of 142 in its family for room to expand.
From the record
United Community Banks, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $396 million against debt of $120 million leaves 1% of its assets as net cash, bottom 19% of its family; cash from operations less capital spending is 33.5% of revenue (top 16%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 39% of 152 in its family for growth drivers.
From the record
United Community Banks, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 8.8% a year over the last three filed years against 11.3% over all 10, slowing (bottom 14% of its family); the newest year grew 11.7% (top 22%); capital spending grew -13.6% a year (bottom 24%) (its annual reports). United Community Banks, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 11% of 150 in its family for expectations against reality.
From the record
United Community Banks, Inc.'s newest year against its own record: revenue of $1.1 billion in fiscal 2025 came in 4% above the $1.0 billion its prior three years' pace pointed to (top 10% of its family); net income of $328 million against a prior three-year average of $239 million (top 16%); a net margin of 30.9% against 27% before (top 8%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made