UCB UNITED COMMUNITY BANKS INC

NEUTRAL Impact: 3/10 425
Horizon months Filed May 22, 2026 Processed 23d 19h ago SEC 0000857855-26-000036
Rule 425 M&A communications
Latest settled — T+5d
UCB ▼ -2.74% at T+5d
NEUTRAL call ✗ call lost -2.74% · α vs SPY -4.42% · entry $33.22 → $32.31
Next anchor: T+20d in 8d
Last close $34.63 (close Jun 12) · +4.24% from $33.22 entry
Entry anchored
May 21, 03:59 PM ET
via Databento tick
T+1d
+1.14%
call +1.14% · α +0.56%
$33.60
settled 20d ago
T+5d
-2.74%
call -2.74% · α -4.42%
$32.31
settled 14d ago
T+20d
call — · α —
in 8d
T+60d
call — · α —
in 2mo

Price Chart

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Executive Summary

United Community Banks (UCB) filed another weekly employee newsletter regarding its pending acquisition of Peach State Bancshares. The filing reaffirms the expected legal close in Q3 2026 and full systems conversion in early 2027, with no changes to deal terms, financials, or timeline. This is a routine integration communication with no new material information for investors.

Actionable Insight

Monitor for the S-4 registration statement and proxy filing, which will contain the definitive deal terms and financial projections. The Q3 2026 close timeline remains unchanged, so no near-term catalyst from this filing.

Key Facts

  • Legal close of the Peach State acquisition remains on track for Q3 2026, subject to regulatory approval.
  • Full systems conversion is scheduled for February 12-16, 2027.
  • No new financial terms, revised synergy estimates, or material updates were disclosed.
  • This is the third weekly employee newsletter filed as a 425 communication in the past 14 days.
  • UCB had $28.2 billion in assets as of March 31, 2026; Peach State had $789 million in assets.

Financial Impact

No new financial data disclosed; deal value previously reported as $100.8 million.

Risk Factors

  • Regulatory approval may be delayed or conditioned, pushing the close beyond Q3 2026.
  • Integration costs or customer attrition could exceed expectations, though no update was provided.

Market Snapshot

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

Documents Analyzed

This report is based on 4 SEC documents filed with EDGAR.

DocumentAccession Number
425 Filing (Primary)0000857855-26-000036
Document: 0000857855-26-000036-index-headers.html0000857855-26-000036
Document: 0000857855-26-000036-index.html0000857855-26-000036
Document: 0000857855-26-000036.txt0000857855-26-000036
16 reports for UCB
Performance horizon
100% Hit rate 5 of 5 directional calls best @ T+5▲ +1.39%Apr 21, 2026
Filters
Rows
Reports for UCB — sortable, filterable
Type Now
Jun 12, 2026
2d ago
425
NEUTRAL ★ 3/10
$34.55 awaiting T+1awaiting T+1$34.63 (+0.23%)
Jun 12, 2026
2d ago
8-K
BULLISH ★ 7/10
$34.27 awaiting T+1awaiting T+1$34.63 (+1.05%)
Jun 11, 2026
3d ago
425
NEUTRAL ★ 3/10
$34.27 awaiting T+1awaiting T+1$34.63 (+1.05%)
Jun 11, 2026
4d ago
EFFECT
NEUTRAL ★ 3/10
$33.96 awaiting T+1awaiting T+1$34.63 (+1.97%)
Jun 4, 2026
10d ago
425
NEUTRAL ★ 3/10
$33.22 $33.34▲ +0.36%▲ +2.96%$34.63 (+4.24%)
May 29, 2026
16d ago
425
NEUTRAL ★ 3/10
$32.95 $32.31▼ −1.94%▼ −2.22%$34.63 (+5.10%)
May 22, 2026
23d ago
425
NEUTRAL ★ 3/10
$33.22 $33.60▲ +1.14%▲ +0.56%$34.63 (+4.24%)
May 15, 2026
4w ago
425
NEUTRAL ★ 3/10
$32.06 $32.58▲ +1.62%▲ +1.68%$34.63 (+8.02%)
May 8, 2026
5w ago
425
NEUTRAL ★ 3/10
$33.36 $32.73▼ −1.89%▼ −2.12%$34.63 (+3.81%)
Apr 21, 2026
7w ago
425
BULLISH ★ 7/10
$33.18 $32.89▼ −0.87%▼ −1.89%$34.63 (+4.37%)
Showing 10 of 16

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