UCB UNITED COMMUNITY BANKS INC

Did the company actually spend money buying back stock in 3+ of the last 4 quarters?

Bought back stock in 2/4 quarters. Q2 2026: $14M, Q1 2026: $0M, Q3 2025: $0M, Q3 2022: $10M

Is the most recent quarter's buyback spend more than 15% above the trailing average?

Latest quarter $14M vs trailing avg $3M (+318%)

What percentage of free cash flow is going to buybacks? Bull: 30%+. Bear: negative FCF or no buybacks.

Negative FCF ($-211M), buybacks not supported by cash flow

How fast are they shrinking the float? Bull: 2%+ annually. Bear: under 0.5%.

Repurchased 1,224,000 shares = 2.0% of 120,598,266 outstanding (annualized)

Are officers and directors buying stock with their own money on the open market?

1 open-market purchase by Carande Carl Steven

• Carande Carl Steven () bought 2,101 shares at $35.35 on 2026-08-10

Are both company buybacks and insider buying independently active? Bull when the company is buying back stock in 2+ quarters and insiders have made 2+ open-market purchases.

Company buybacks in 2 quarters but insufficient insider buying

Over the last 90 days, are insiders net buyers or net sellers on the open market?

Insiders bought $0M, sold $1M in the last 90 days (net selling)

Active buyback + insiders net selling 3x+ more than buying. Company cash may be supporting price while insiders exit.

Company buying back stock while insiders sold 32.0x more than bought. 4 C-suite officers among sellers

• HARRALSON JEFFERSON L (EVP, CFO) sold 25,000 shares on 2026-07-28
• BRADSHAW RICHARD (EVP, Chief Banking Officer) sold 1,422 shares on 2026-07-27
• BRADSHAW RICHARD (EVP, Chief Banking Officer) sold 2 shares on 2026-07-27
• BRADSHAW RICHARD (EVP, Chief Banking Officer) sold 1,510 shares on 2026-04-27
• HARTON H LYNN (President & CEO) sold 25,000 shares on 2026-02-18
• BRADSHAW RICHARD (EVP, Chief Banking Officer) sold 1,460 shares on 2026-02-02
• KUMLER ALAN H (SVP, Chief Accounting Officer) sold 12,043 shares on 2026-01-23
• BRADSHAW RICHARD (EVP, Chief Banking Officer) sold 1,654 shares on 2025-10-27