8-K ·Filed Jul 10, 2026

UCB

UNITED COMMUNITY BANKS INC
NEUTRAL
Impact 3/10
Horizonweeks Processed2mo ago SEC0001104659-26-082469
8-K context-dependent: Items 8.01
Actionable Insight • Neutral

This is a routine procedural update — no new financial terms, no surprise regulatory hurdles. The deal appears on track for early August close. Monitor the shareholder vote and any proration adjustments, but no trading catalyst is expected from this filing alone.

DirectionNeutral
Confidencehigh
Horizonweeks
Latest settled — T+20d ⚠ clustered
UCB ▼ -0.11% at T+20d
NEUTRAL call ✗ call lost -0.11% · α vs SPY -2.54% · entry $35.55 → $35.51
Next anchor: T+60d in 3d
Latest observation: T+56 -0.96% FF3 residual α
Entry anchored
Jul 9, 03:59 PM ET
via exchange tick
T+1d
-0.03%
call -0.03% · α +0.74%
$35.54
settled 3mo ago
T+5d
+4.33%
call +4.33% · α +4.89%
$37.09
settled 3mo ago
T+20d
-0.11%
call -0.11% · α -2.54%
$35.51
settled 8w ago
T+60d
—
call — · α —
—
in 3d

Price Chart

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Executive Summary

United Community Banks (UCB) announced that all required regulatory approvals have been received for its acquisition of Peach State Bancshares, with closing expected on August 3, 2026. The shareholder election deadline for consideration (cash or stock) is July 20, 2026. This filing is a procedural update on a previously announced transaction with no new financial terms or surprises.

Key Facts

  • Election deadline for Peach State shareholders is July 20, 2026 at 5:00 p.m. ET.
  • All required regulatory approvals for the Peach State acquisition have been received.
  • Closing is expected to occur on August 3, 2026, subject to Peach State shareholder approval and other conditions.
  • Each Peach State share will receive either $31.75 in cash or 0.8978 shares of UCB common stock, subject to 50% cash / 50% stock proration.
  • Merger agreement was dated April 20, 2026; registration statement on Form S-4 was declared effective June 10, 2026.
  • UCB had $28.2 billion in assets as of March 31, 2026; Peach State had $788 million in assets.

Financial Impact

Deal valued at $31.75 per Peach State share or 0.8978 UCB shares with 50% cash / 50% stock proration. Peach State had $788M in assets; UCB had $28.2B in assets.

Risk Factors

  • Risk that Peach State shareholders do not approve the merger
  • Risk of delay or termination if closing conditions are not satisfied or waived

Market Snapshot

Exchange
NYSE
Sector
State Commercial Banks
Analyst Consensus
55% bullish (11 analysts)

Investment Themes

Traditional Finance

Documents Analyzed

This report is based on 5 SEC documents filed with EDGAR.

DocumentAccession Number
8-K Filing (Primary)0001104659-26-082469
Document: tm2620173d1_ex99-1.htm0001104659-26-082469
Document: 0001104659-26-082469-index-headers.html0001104659-26-082469
Document: 0001104659-26-082469-index.html0001104659-26-082469
Document: 0001104659-26-082469.txt0001104659-26-082469
30 reports for UCB
Performance horizon
100% Hit rate 9 of 9 directional calls best @ T+60▲ +11.78%Apr 21, 2026
Filters
Rows
Reports for UCB — sortable, filterable
TypeNow
Sep 8, 2026
24d ago
8-K
MIXED ★ 7/10
$35.29 $35.38▲ +0.26%▲ +0.92%$34.12 (−3.33%)
Aug 19, 2026
6w ago
8-K
NEUTRAL ★ 3/10
$35.75 $35.22▼ −1.48%▼ −1.09%$34.12 (−4.57%)
Aug 3, 2026
8w ago
8-K
NEUTRAL ★ 2/10
$35.83 $35.40▼ −1.20%▼ −3.23%$34.12 (−4.79%)
Jul 28, 2026
9w ago
Insider Cluster
NEUTRAL ★ 4/10
$35.68 $35.83▲ +0.42%▼ −1.85%$34.12 (−4.39%)
Jul 28, 2026
9w ago
Insider Cluster
NEUTRAL ★ 4/10
$35.68 $35.83▲ +0.42%▼ −1.85%$34.12 (−4.39%)
Jul 28, 2026
9w ago
Insider Cluster
BEARISH ★ 5/10
$35.68 $35.83▼ −0.42%▲ +1.85%$34.12 (+4.39%)
Jul 21, 2026
10w ago
8-K
MIXED ★ 5/10
$35.35 $35.17▼ −0.51%▲ +0.72%$34.12 (−3.49%)
Jul 21, 2026
10w ago
Press Release
MIXED ★ 5/10
$35.35 $35.17▼ −0.51%▲ +0.72%$34.12 (−3.49%)
Jul 17, 2026
11w ago
425
NEUTRAL ★ 3/10
$36.45 $34.89▼ −4.28%▼ −3.59%$34.12 (−6.41%)
Jul 10, 2026
12w ago
425
BULLISH ★ 5/10
$35.55 $37.09▲ +4.33%▲ +4.89%$34.12 (−4.04%)
Showing 10 of 30

US Market Status

Market Closed — Opens Mon (65h 29m)

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