The CFO's sale is notable for its size and timing relative to the earnings miss, but at 0.02% of market cap it is not a strong bearish signal. Monitor for additional insider selling in the next 30 days; a pattern of continued C-suite sales would increase concern. The Q2 miss on EPS and revenue is the more significant factor for the stock.
Price Chart
Executive Summary
Two senior executives at United Community Banks (CFO and Chief Banking Officer) sold a combined ~$935K in open-market sales within 10 days of a Q2 earnings miss (EPS $0.71 vs. $0.82 consensus). The CFO's $885K sale is the dominant transaction at ~0.02% of market cap, which is below the 0.1% materiality threshold for a standalone signal. However, the cluster's proximity to the earnings miss and the CFO's seniority warrant attention, though the dollar amount is too small to be highly material for a $4.3B bank. The historical calibration shows strong past performance on UCB calls (+3.76% avg T+20), but the proportionality check prevents over-scoring this modest cluster.
Key Financial Metrics
Key Facts
- CFO Jefferson Harrelson sold 25,000 shares for $885,250 on July 28, 2026.
- Chief Banking Officer Richard Bradshaw sold 1,424 shares for ~$49,968 on July 27, 2026.
- Total open-market sales of ~$935K represent ~0.02% of UCB's $4.3B market cap.
- Sales occurred 6-7 days after UCB reported Q2 2026 EPS of $0.71, missing the $0.82 consensus.
- One non-cash gift of 1,500 shares by EVP Robert Edwards on July 29 had no economic impact.
Financial Impact
Total insider sales of ~$935K, or ~0.02% of market cap — well below the 0.1% materiality threshold.
Risk Factors
- CFO selling $885K post-earnings miss could signal lack of confidence in near-term outlook.
- Q2 EPS miss of 13% vs. consensus may pressure the stock further.
- Insider sales may accelerate if Q3 guidance disappoints.
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 SEC document filed with EDGAR.
| Document | Accession Number |
|---|---|
| CLUSTER Data (Synthetic) | cluster-UCB-1785481525897 |
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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