How many subsidiaries does UNITED COMMUNITY BANKS INC file with the SEC?

14, listed in its most recent exhibit 21. They are incorporated across 6 jurisdictions, led by South Carolina, Florida, Tennessee. That exhibit is filed with the company's annual report and is the company's own list, not an estimate.

Is UNITED COMMUNITY BANKS INC financially healthy?

UNITED COMMUNITY BANKS INC scores 6 out of 7 on the Piotroski F-score. Only 7 of the nine tests could be computed from what it filed; the rest need a prior year it has not reported. Every test and the numbers behind it are shown above, so the arithmetic is checkable rather than something you have to take on trust.

UNITED COMMUNITY BANKS INC (UCB)

NYSE · Common Stock · State Commercial Banks

One email a week from me: what it filed, which 13F holders added or cut, where its scores stand. Free.

Corporate structure

14 entities across 6 jurisdictions. Read directly from the company’s own 10-K EX-21 filed 2026-02-17 — see the exhibit.

Which other public companies file entities in the same places:

Delaware6 Florida3 Georgia2 South Carolina1 Tennessee1 North Carolina1

Subsidiaries of UNITED COMMUNITY BANKS INC as disclosed in its SEC filing
Entity	Jurisdiction	Note
United Community Bank	South Carolina
Navitas Credit Corp.	Florida
NLFC Reinsurance Corp.	Tennessee
United Community Investments, Inc.	North Carolina
UCB Funding Corp.	Georgia
United Community Development Corporation	Georgia
United Community Payment Systems, LLC (50% owned by United Community Bank)	Delaware
TFG Holdings, LLC	Delaware
FNBSM The Falls, LLC	Florida
United Community Public Finance, Inc.	Delaware

Financial health

Two standard screens, computed from the XBRL in FY2025 against FY2024. Every test shows the numbers behind it — a score with its inputs hidden is a number you cannot check.

Piotroski F-score

6 / 7

PASSReturn on assets positiveROA 1.2%
PASSOperating cash flow positiveOCF 384M
PASSReturn on assets improving0.9% → 1.2%
PASSCash flow exceeds earningsOCF 384M vs NI 328M
PASSLong-term debt ratio falling0.9% → 0.4% of assets
FAILCurrent ratio improvingno data
FAILNo share dilution120M → 121M shares
FAILGross margin improvingno gross profit reported
PASSAsset turnover improving0.03× → 0.04×

Six-year record

Year	Revenue	Net income	Free cash flow	Gross margin	Shares
FY2020	$577.4M	$164.1M	$140.2M	—	83,248,000
FY2021	$744.4M	$269.8M	$332.8M	—	88,097,000
FY2022	$826.2M	$277.5M	$564.6M	—	106,778,000
FY2023	$893.2M	$187.5M	$221.5M	—	117,745,000
FY2024	$952.1M	$252.4M	$302.7M	—	119,900,000
FY2025

Capital returned

What the company actually paid out and bought back, as reported — the record behind any yield figure.

Dividend per share

2026Q2: $0.25
2026Q1: $0.25
2025Q3: $0.25
2025Q2: $0.24
2025Q1: $0.24
2024Q3: $0.24

Shares repurchased

2026Q1: $37.1M
2025Q1: $0
2021Q1: $0
2020Q1: $20.8M
2019Q1: $7.3M
2018Q1: $0

Identity

CIK: 0000857855
LEI: 549300GVW0FV66X3U703
FIGI: BBG000BL7GB5
SIC: 6022 · State Commercial Banks
Incorporated: GA
Headquarters: GREENVILLE, SC

Ownership

Institutional: 88.9%
Institutions: 483
Insiders: 0.4%

Ownership percentages are a vendor aggregate, not a filing — unlike everything else on this page.

Other state commercial banks companies

UNITED COMMUNITY BANKS INC files under SIC 6022 — all 4 state commercial banks companies compared on assets and F-score.

Bank of New York Mellon CorpBNY WESTERN ALLIANCE BANCORPORATIONWAL GERMAN AMERICAN BANCORP, INC.GABC

Questions about UNITED COMMUNITY BANKS INC

How many subsidiaries does UNITED COMMUNITY BANKS INC file with the SEC?: 14, listed in its most recent exhibit 21. They are incorporated across 6 jurisdictions, led by South Carolina, Florida, Tennessee. That exhibit is filed with the company's annual report and is the company's own list, not an estimate.
Is UNITED COMMUNITY BANKS INC financially healthy?: UNITED COMMUNITY BANKS INC scores 6 out of 7 on the Piotroski F-score. Only 7 of the nine tests could be computed from what it filed; the rest need a prior year it has not reported. Every test and the numbers behind it are shown above, so the arithmetic is checkable rather than something you have to take on trust.

This page is one panel of the terminal

The structure map above is the Corporate Blueprint, and in the desktop it is interactive — click any entity to re-centre the map on it and walk the ownership chain. It sits alongside the screener, the scorecard and the filings lab on one desk, on your machine.

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Sourced from SEC EDGAR primary filings. Figures are as reported by the company and are not investment advice. Scores are standard published screens computed from those filings; every input is shown above so you can check the arithmetic.