{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "6d012e3c-d180-4f06-a39a-a711c8f5b108",
    "symbol": "UCB",
    "name": "United Community Banks, Inc.",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/6d012e3c-d180-4f06-a39a-a711c8f5b108/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "6d012e3c-d180-4f06-a39a-a711c8f5b108",
      "symbol": "UCB",
      "name": "United Community Banks, Inc.",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/6d012e3c-d180-4f06-a39a-a711c8f5b108/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "UCB",
    "market_cap": 4144748544.0,
    "market_cap_usd": 3990352677.62,
    "price": 34.630001,
    "currency": "USD",
    "dividend_yield": 0.00721917,
    "dividend_years": 19,
    "dividend_growth_5y": 0.06360095,
    "dividend_cut_5y": false,
    "payout_ratio": 0.36259997,
    "net_income": 328095000.0,
    "free_cash_flow": 356456000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.03308887,
    "revenue_growth_5y": 0.17182317,
    "net_margin": 0.32543,
    "roe": 0.0953,
    "pe_ratio": 12.684982,
    "price_vs_ma": 0.06416855,
    "return_3y": 0.57330297,
    "return_5y": 0.23856166,
    "max_drawdown": -0.45244348,
    "scores": {
      "dividend_reliability": 25.0,
      "dividend_sustainability": 20.0,
      "business_quality": 22.5,
      "valuation": 15.0,
      "trend": 13.5,
      "total": 96.0,
      "confidence": 100.0
    },
    "rating": "exceptional",
    "rating_label": "Exceptional Dividend Compounder",
    "decision": "buyable_now",
    "decision_label": "Buyable Now",
    "warnings": [
      "Dividend yield normalized from payment history because provider yield looked inconsistent."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/6d012e3c-d180-4f06-a39a-a711c8f5b108/",
      "chart": "https://sharemaestro.com/terminal/6d012e3c-d180-4f06-a39a-a711c8f5b108/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 25.0,
    "dividend_sustainability": 20.0,
    "business_quality": 22.5,
    "valuation": 15.0,
    "trend": 13.5,
    "total": 96.0,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend yield normalized from payment history because provider yield looked inconsistent."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "UCB",
      "exchange": "NYSE",
      "headline": "UCB dividend review warning",
      "detail": "Dividend yield normalized from payment history because provider yield looked inconsistent.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6d012e3c-d180-4f06-a39a-a711c8f5b108/"
    },
    {
      "event_date": "2026-06-12",
      "event_type": "qualified",
      "severity": "positive",
      "ticker": "UCB",
      "exchange": "NYSE",
      "headline": "UCB qualified as a dividend compounder candidate",
      "detail": "Score 96.0/100, decision Buyable Now.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6d012e3c-d180-4f06-a39a-a711c8f5b108/"
    },
    {
      "event_date": "2026-03-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UCB",
      "exchange": "NYSE",
      "headline": "UCB dividend payment 0.25 USD",
      "detail": "Recorded dividend payment for United Community Banks, Inc..",
      "amount": 0.25,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6d012e3c-d180-4f06-a39a-a711c8f5b108/"
    },
    {
      "event_date": "2025-12-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UCB",
      "exchange": "NYSE",
      "headline": "UCB dividend payment 0.25 USD",
      "detail": "Recorded dividend payment for United Community Banks, Inc..",
      "amount": 0.25,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6d012e3c-d180-4f06-a39a-a711c8f5b108/"
    },
    {
      "event_date": "2025-09-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UCB",
      "exchange": "NYSE",
      "headline": "UCB dividend payment 0.25 USD",
      "detail": "Recorded dividend payment for United Community Banks, Inc..",
      "amount": 0.25,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6d012e3c-d180-4f06-a39a-a711c8f5b108/"
    },
    {
      "event_date": "2025-06-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UCB",
      "exchange": "NYSE",
      "headline": "UCB dividend payment 0.24 USD",
      "detail": "Recorded dividend payment for United Community Banks, Inc..",
      "amount": 0.24,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6d012e3c-d180-4f06-a39a-a711c8f5b108/"
    },
    {
      "event_date": "2025-03-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UCB",
      "exchange": "NYSE",
      "headline": "UCB dividend payment 0.24 USD",
      "detail": "Recorded dividend payment for United Community Banks, Inc..",
      "amount": 0.24,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6d012e3c-d180-4f06-a39a-a711c8f5b108/"
    },
    {
      "event_date": "2024-12-16",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UCB",
      "exchange": "NYSE",
      "headline": "UCB dividend payment 0.24 USD",
      "detail": "Recorded dividend payment for United Community Banks, Inc..",
      "amount": 0.24,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6d012e3c-d180-4f06-a39a-a711c8f5b108/"
    },
    {
      "event_date": "2024-09-16",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UCB",
      "exchange": "NYSE",
      "headline": "UCB dividend payment 0.24 USD",
      "detail": "Recorded dividend payment for United Community Banks, Inc..",
      "amount": 0.24,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6d012e3c-d180-4f06-a39a-a711c8f5b108/"
    },
    {
      "event_date": "2024-06-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UCB",
      "exchange": "NYSE",
      "headline": "UCB dividend payment 0.23 USD",
      "detail": "Recorded dividend payment for United Community Banks, Inc..",
      "amount": 0.23,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6d012e3c-d180-4f06-a39a-a711c8f5b108/"
    },
    {
      "event_date": "2024-03-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UCB",
      "exchange": "NYSE",
      "headline": "UCB dividend payment 0.23 USD",
      "detail": "Recorded dividend payment for United Community Banks, Inc..",
      "amount": 0.23,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6d012e3c-d180-4f06-a39a-a711c8f5b108/"
    },
    {
      "event_date": "2023-12-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UCB",
      "exchange": "NYSE",
      "headline": "UCB dividend payment 0.23 USD",
      "detail": "Recorded dividend payment for United Community Banks, Inc..",
      "amount": 0.23,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6d012e3c-d180-4f06-a39a-a711c8f5b108/"
    },
    {
      "event_date": "2023-09-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UCB",
      "exchange": "NYSE",
      "headline": "UCB dividend payment 0.23 USD",
      "detail": "Recorded dividend payment for United Community Banks, Inc..",
      "amount": 0.23,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6d012e3c-d180-4f06-a39a-a711c8f5b108/"
    },
    {
      "event_date": "2023-06-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UCB",
      "exchange": "NYSE",
      "headline": "UCB dividend payment 0.23 USD",
      "detail": "Recorded dividend payment for United Community Banks, Inc..",
      "amount": 0.23,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6d012e3c-d180-4f06-a39a-a711c8f5b108/"
    },
    {
      "event_date": "2021-09-14",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "UCB",
      "exchange": "NYSE",
      "headline": "Dividend increased 5.3%",
      "detail": "Payment changed from 0.19 to 0.2.",
      "amount": 0.2,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6d012e3c-d180-4f06-a39a-a711c8f5b108/"
    },
    {
      "event_date": "2021-03-12",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "UCB",
      "exchange": "NYSE",
      "headline": "Dividend increased 5.6%",
      "detail": "Payment changed from 0.18 to 0.19.",
      "amount": 0.19,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6d012e3c-d180-4f06-a39a-a711c8f5b108/"
    },
    {
      "event_date": "2019-12-13",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "UCB",
      "exchange": "NYSE",
      "headline": "Dividend increased 5.9%",
      "detail": "Payment changed from 0.17 to 0.18.",
      "amount": 0.18,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6d012e3c-d180-4f06-a39a-a711c8f5b108/"
    },
    {
      "event_date": "2019-06-13",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "UCB",
      "exchange": "NYSE",
      "headline": "Dividend increased 6.2%",
      "detail": "Payment changed from 0.16 to 0.17.",
      "amount": 0.17,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6d012e3c-d180-4f06-a39a-a711c8f5b108/"
    },
    {
      "event_date": "2018-12-13",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "UCB",
      "exchange": "NYSE",
      "headline": "Dividend increased 6.7%",
      "detail": "Payment changed from 0.15 to 0.16.",
      "amount": 0.16,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6d012e3c-d180-4f06-a39a-a711c8f5b108/"
    },
    {
      "event_date": "2018-06-14",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "UCB",
      "exchange": "NYSE",
      "headline": "Dividend increased 25.0%",
      "detail": "Payment changed from 0.12 to 0.15.",
      "amount": 0.15,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6d012e3c-d180-4f06-a39a-a711c8f5b108/"
    }
  ]
}