UCB NYSE Week ended 24 Jul 2026

Weekly Investor Report

United Community Banks, Inc. · Financial Services · Banks - Regional

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Latest close 35.25 USD
-3.3% latest week
Weekly setup

Mixed setup

The weekly trend is active. Price is 6.2% above the Trend Line and sits at 79.0% of its 52-week range. The latest completed week returned -3.3%, after a -1.0% four-week move. The latest factor snapshot indicates quality ranks strongly versus its universe; growth is moderate; valuation is inexpensive relative to peers. Options positioning is volatility with 53/100 conviction, while the latest news-sentiment score is 56/100. Near-term considerations: earnings are due in 84d.

Setup score 60 out of 100
Latest Close 35.25 USD 24 Jul 2026
1W Return -3.3% latest completed week
4W Return -1.0% short-term follow-through
12W Return 5.9% quarterly tape
Trend Breadth 76.9% 40 of 52 weeks active
Volume Ratio 1.3x vs 13-week average
What is working
  • The trend backdrop is active with a 16-week active streak.
  • Price is above the Trend Line, keeping the weekly tape constructive.
  • Price is above Fair Value, showing premium demand versus the model.
  • Activity pressure is positive on the latest completed week.
What could go wrong
  • 4 reversal markers appear in the recent smart-money tape.
What to watch next
  • Trend Line remains the key weekly regime level.
  • Activity pressure is the gauge to monitor for confirmation or fade.
  • A volume ratio above 1.5x would show stronger participation in the next move.
Price follow-through -3.3% Latest completed week; four-week move -1.0%. Indicator stack 87/71 Trend and activity pressure are weighted against the latest 12-week confirmation window. Trend backdrop Active The trend backdrop defines the current weekly regime. Patient Capital Quiet Activity-pressure buy-signal status for institutional accumulation timing. Options pressure Volatility 53/100 conviction; expected move 13.5%. News sentiment 56/100 48 relevant articles in the latest sentiment read. Event risk 84d Next report is scheduled for 21 Oct 2026; event risk rises as the date approaches.
01 · Price action

Where price is—and whether the trend supports it

The weekly trend is active. Price is 6.2% above the Trend Line and sits at 79.0% of its 52-week range. The latest completed week returned -3.3%, after a -1.0% four-week move.

Study the full chart

52-week price path

Price vs Trend Line and Fair Value
Price Trend Line Fair Value
02 · Volume and demand

Is real participation confirming the move?

Latest weekly volume is 1.3x the 13-week average. Participation is around or above normal and provides reasonable confirmation.

26-week volume confirmation

Bar height shows volume; colour shows the weekly price direction
30 Jan 6 Feb 13 Feb 20 Feb 27 Feb 6 Mar 13 Mar 20 Mar 27 Mar 3 Apr 10 Apr 17 Apr 24 Apr 1 May 8 May 15 May 22 May 29 May 5 Jun 12 Jun 19 Jun 26 Jun 3 Jul 10 Jul 17 Jul 24 Jul
Up week Down week
Demand beneath price

Activity pressure and institutional-style signals

These indicators assess whether participation is improving beneath the headline price move. They are supporting evidence, not proof of institutional buying.

Activity pressure path

Latest 0.7012-week average 0.57

12-week confirmation

Trend active12/12Active trend-backdrop weeks in the latest 12-week window.
Positive pressure7/12Weeks with constructive activity pressure in the latest 12-week window.
Positive leadership5/12Weeks with positive relative leadership in the latest 12-week window.
Activity pressure0.70Current proprietary activity-pressure read.
Buy signals0Accumulation signal count in the latest 12 weeks.
Reversal markers44 reversal markers

No recent accumulation markers. 4 reversal markers.

03 · Momentum and leadership

Is performance persistent—and is the stock leading?

Performance is -1.0% over four weeks, 5.9% over 12 weeks, and 15.3% over one year. The current trend has remained active for 16 consecutive weeks.

Performance by holding period

1W-3.3%
4W-1.0%
12W5.9%
26W5.7%
52W15.3%
Active trend streak16 weeks
Active weeks in one year40
Trend breadth76.9%

Activity pressure vs relative leadership

Activity pressureRelative leadership
Pressure1.13Latest activity-pressure read.
Pressure change12.2%Four-week change in activity pressure.
Leadership1.95Latest relative-leadership reading.
RS change-53.2%Four-week change in relative leadership.
04 · Fundamentals and valuation

What investors are paying for—and the quality behind it

The latest factor snapshot indicates quality ranks strongly versus its universe; growth is moderate; valuation is inexpensive relative to peers.

Open full factor analysis
Factor week 26 Jul 2026 Financial statements through 31 Dec 2025 Field coverage 100% Model confidence 100%

Relative factor standing

Higher display scores are better. Each score is converted from the underlying universe rank, where rank 1 is best.

Overall factor strength95/100Blend of value, momentum, and quality. Underlying universe rank 6; rank 1 is best.
Value89/100Relative valuation strength. Underlying universe rank 12; rank 1 is best.
Quality82/100Profitability and accounting quality. Underlying universe rank 19; rank 1 is best.
Momentum68/100Medium-term price momentum. Underlying universe rank 33; rank 1 is best.
Growth78/100Revenue and earnings growth. Underlying universe rank 23; rank 1 is best.
How to read this

Quality and valuation are separate questions

A strong company can still carry a demanding valuation. This report shows profitability, growth, balance-sheet strength, and the price paid for those characteristics separately.

Value-quality framework73/100Value and quality alignment from the Sharemaestro SVQF framework.

Valuation

How much investors are paying for earnings, sales, and cash flow.

P/E
11.2x
Price divided by trailing earnings.
Price / sales
2.7x
Market value relative to trailing revenue.
EV / EBITDA
8.6x
Enterprise value relative to operating cash earnings.
Free-cash-flow yield
10.3%
Free cash flow as a share of enterprise value.

Business quality

Margins and the return generated on invested capital.

Gross margin
72.0%
Gross profit retained from each unit of revenue.
Operating margin
30.7%
Operating profit retained from revenue.
Free-cash-flow margin
29.8%
Free cash flow generated from revenue.
Return on invested capital
9.2%
Operating return generated on invested capital.

Growth and financial strength

Recent business growth and accounting strength.

Revenue growth
5.6%
Latest one-year revenue growth.
EPS growth
38.3%
Latest one-year earnings-per-share growth.
Free-cash-flow growth
-
Latest one-year free-cash-flow growth.
Piotroski F-score
8/9
Nine-point accounting-strength checklist.

Shareholder return and balance sheet

Cash returned to owners and financial leverage.

Dividend yield
2.8%
Cash dividends relative to market value.
Buyback yield
3.2%
Net share repurchases relative to market value.
Shareholder yield
6.1%
Dividend yield plus net buyback yield.
Net debt / EBITDA
0.5x
Balance-sheet debt relative to operating cash earnings.
05 · Ownership, options, and sentiment

What other market participants are doing

Options, insider transactions, market sentiment, and activity-pressure signals can confirm or challenge the price story. None should be used alone.

Options positioningVolatility

UCB shows volatility options pressure with a 53/100 conviction score, put-call volume ratio of n/a, expected move of 13.5%, and Sharemaestro trend signal active.

Conviction53/100
Expected move13.5%
Put/call volume
Pressure-92
Speculation10
Volatility73
Trend agreement16
Open options detail
Insider activity-

No recent insider transactions are stored for this company.

News sentiment56/100

Weighted news tone is neutral across 48 relevant articles.

16 positive · 29 neutral · 3 negative
Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal
06 · Catalysts and risk

What can move the shares—and how volatile the path has been

Event timing, options-implied movement, drawdown, and weekly return distribution frame the risk around the current setup.

Next earnings84dNext report is scheduled for 21 Oct 2026; event risk rises as the date approaches.
Options expected move13.5%Nearest-chain priced movement where available.
52-week drawdown-5.2%Distance below the 52-week high.
13-week volatility3.4%Standard deviation of weekly returns.

Weekly gains and losses

Latest 26 completed weeks

Each bar is one week. Gains rise above the zero line; losses fall below it. Taller bars mean a larger weekly move.

Weeks higher15 of 2611 weeks finished lower.
Best week+8.4%Week of 26 Jun.
Worst week-7.4%Week of 27 Feb.
Latest week-3.3%Week of 24 Jul.

Shape of recent returns

Strong gains3
Modest gains12
Flat weeks0
Modest losses8
Sharp losses3
Recent vol3.4%13-week weekly-return volatility.
Base vol3.2%52-week weekly-return volatility.
Up/down split30/22Count of positive and negative weeks in the 52-week window.
Average skew2.4% / -2.6%Average positive week versus average negative week.
07 · Sector and peer context

Is this stock leading—or simply moving with its group?

Sector and industry breadth distinguish company-specific strength from a broad group move.

08 · Evidence and weekly data

The underlying research record

Every top-level statement above should be traceable to a stored market, fundamental, event, or positioning observation.

Weekly tape63/100

Trend, activity pressure, participation, and risk combine to a 63/100 tape read.

 Indicator analysis58/100

Latest 12-week confirmation: trend 12/12, activity pressure 7/12, relative leadership 5/12.

Activity pressure 0.70; 4 reversal markers Factors83/100

O'Shaughnessy factor stack blends value, quality, momentum, and confidence.

Buyback Yield rank 17; Small Cap Core rank 16 SVQF73/100

Value and quality alignment from the Sharemaestro SVQF framework.

Composite rank 276.0 of 1013 Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal Options40/100

UCB shows volatility options pressure with a 53/100 conviction score, put-call volume ratio of n/a, expected move of 13.5%, and Sharemaestro trend signal active.

Volatility · Volatility expansion watch · Expected move 13.5% Sentiment56/100

Weighted news tone is neutral across 48 relevant articles.

Transcript: United Community Banks Q2 2026 Earnings Conference Call Insiders50/100

No recent insider transaction evidence is stored.

 Earnings84d

Next report is scheduled for 21 Oct 2026; event risk rises as the date approaches.
WeekCloseReturnTrend LineFair ValuePressureLeadershipVolumeTrend
24 Jul 202635.25 USD-3.3%33.18 USD28.32 USD1.131.955.9MOn
17 Jul 202636.45 USD2.5%33.07 USD28.25 USD1.234.764.4MOn
10 Jul 202635.55 USD0.2%32.91 USD28.18 USD1.090.583.8MOn
3 Jul 202635.49 USD-0.3%32.78 USD28.10 USD1.101.704.6MOn
26 Jun 202635.61 USD8.4%32.61 USD28.01 USD1.004.167.4MOn
19 Jun 202632.85 USD-4.4%32.42 USD27.93 USD0.53-6.155.1MOn
12 Jun 202634.37 USD3.9%32.32 USD27.87 USD0.28-0.974.8MOn
5 Jun 202633.09 USD1.2%32.16 USD27.80 USD-0.19-4.115.5MOn
29 May 202632.71 USD-0.8%32.03 USD27.73 USD-0.50-7.712.7MOn
22 May 202632.97 USD3.6%31.89 USD27.66 USD-0.50-5.762.8MOn
15 May 202631.82 USD-3.9%31.76 USD27.57 USD-0.41-8.383.4MOn
8 May 202633.11 USD-0.5%31.68 USD27.49 USD-0.22-4.682.8MOn
1 May 202633.27 USD1.3%31.57 USD27.41 USD-0.10-2.133.5MOn
24 Apr 202632.83 USD-3.1%31.49 USD27.34 USD-0.18-2.625.3MOn
How to use this report

This is a completed-week research summary. It explains the available evidence and its conflicts; it does not predict a guaranteed outcome or replace your own risk assessment. Fundamental figures may refer to an earlier financial reporting period, which is shown above.