With regulatory approvals cleared and a firm closing date set, the primary remaining risk is Peach State shareholder approval — a low-probability hurdle. Monitor for the shareholder vote result and any last-minute election-allocation updates. The deal de-risks UCB's Southeast expansion with a small tuck-in.
Price Chart
Executive Summary
United Community Banks and Peach State Bancshares announced the election deadline for Peach State shareholders (July 20, 2026) and confirmed that all required regulatory approvals have been received to close the acquisition. Closing is expected on August 3, 2026, subject to Peach State shareholder approval. This filing removes the key regulatory uncertainty and sets a firm timeline, moving the deal to its final stage.
Key Financial Metrics
Key Facts
- Election deadline for Peach State shareholders to elect cash ($31.75/share) or stock (0.8978 UCB shares) is July 20, 2026 at 5:00 PM ET.
- UCB has received all required regulatory approvals to acquire Peach State.
- Closing expected on August 3, 2026, subject to Peach State shareholder approval.
- Overall consideration is 50% cash and 50% stock (subject to proration).
- Peach State had $788 million in assets as of March 31, 2026.
Financial Impact
Deal value not disclosed in this filing; Peach State had $788M in assets.
Risk Factors
- Peach State shareholder approval is still required — though likely to pass given the premium terms.
- Proration mechanics could create marginal cash/stock allocation mismatches for individual shareholders.
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 425 Filing (Primary) | 0001104659-26-082471 |
| Document: tm2620173d1_ex99-1.htm | 0001104659-26-082471 |
| Document: 0001104659-26-082471-index-headers.html | 0001104659-26-082471 |
| Document: 0001104659-26-082471-index.html | 0001104659-26-082471 |
| Document: 0001104659-26-082471.txt | 0001104659-26-082471 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Sep 8, 2026 24d ago | 8-K | $35.29 $35.38 | ▲ +0.26% | ▲ +0.92% | $33.99 (−3.67%) |
Aug 19, 2026 6w ago | 8-K | $35.75 $35.22 | ▼ −1.48% | ▼ −1.09% | $33.99 (−4.91%) |
Aug 3, 2026 8w ago | 8-K | $35.83 $35.40 | ▼ −1.20% | ▼ −3.23% | $33.99 (−5.12%) |
Jul 28, 2026 9w ago | Insider Cluster | $35.68 $35.83 | ▲ +0.42% | ▼ −1.85% | $33.99 (−4.72%) |
Jul 28, 2026 9w ago | Insider Cluster | $35.68 $35.83 | ▲ +0.42% | ▼ −1.85% | $33.99 (−4.72%) |
Jul 28, 2026 9w ago | Insider Cluster | $35.68 $35.83 | ▼ −0.42% | ▲ +1.85% | $33.99 (+4.72%) |
Jul 21, 2026 10w ago | 8-K | $35.35 $35.17 | ▼ −0.51% | ▲ +0.72% | $33.99 (−3.83%) |
Jul 21, 2026 10w ago | Press Release | $35.35 $35.17 | ▼ −0.51% | ▲ +0.72% | $33.99 (−3.83%) |
Jul 17, 2026 11w ago | 425 | $36.45 $34.89 | ▼ −4.28% | ▼ −3.59% | $33.99 (−6.74%) |
Jul 10, 2026 12w ago | 425 | $35.55 $37.09 | ▲ +4.33% | ▲ +4.89% | $33.99 (−4.37%) |
US Market Status
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