UNITED COMMUNITY BANKS INC

UNITED COMMUNITY BANKS INC insiders are currently net sellers of UCB stock, showing bearish sentiment over the past 90 days. Total sales of $525.8K outpace purchases of $0, creating a net outflow of $525.8K.

UNITED COMMUNITY BANKS INC has 9 active insiders who have filed SEC Form 4 transactions in the past 90 days. Alan H. Kumler (SVP, Chief Accounting Officer) leads with 6 transactions totaling $464.3K. Richard Bradshaw (Executive) follows with 11 transactions worth $117.4K. Open-market purchases require insiders to invest their own capital, demonstrating genuine conviction.

The Insider Alignment Score measures the ratio of buying to selling activity on a 0-100 scale. UNITED COMMUNITY BANKS INC's current score of 0/100 indicates bearish insider sentiment. Scores below 40 indicate selling pressure exceeds buying. Insider selling often reflects diversification needs, tax optimization, or estate planning.

The most recent insider transaction occurred on Jan 23, 2026, when H. Kumler Alan (SVP, Chief Accounting Officer) disposed of 12,043 shares at $35.36 per share for $425.8K. This appears to be a discretionary trade.

Based on SEC Form 4 filings from the past 90 days, UCB insider trading sentiment is currently bearish with an Alignment Score of 0/100. The negative net flow of $525.8K shows more selling than buying. However, 0% of recent transactions are 10b5-1 scheduled trades.

SEC Form 4 is the primary disclosure mechanism for insider trading at publicly traded companies like UNITED COMMUNITY BANKS INC. Corporate insiders must file within two business days of any transaction, making it one of the most timely sources of executive sentiment. At UCB, we track all Form 4 filings—currently showing 32 transactions from 9 insiders over 90 days.

A 10b5-1 plan allows UNITED COMMUNITY BANKS INC executives to pre-schedule stock sales when they don't possess material non-public information. At UCB, approximately 0% of recent transactions are 10b5-1 trades. Most trading activity at UCB appears discretionary, making insider signals more meaningful.

You can monitor UNITED COMMUNITY BANKS INC (UCB) insider trading activity on this page, which updates within hours of new SEC Form 4 filings. We track all 9 active insiders and provide real-time transaction feeds, the Alignment Score, 10b5-1 vs. discretionary breakdowns, and direct links to SEC EDGAR filings.

Our Alignment Score measures the ratio of insider buying to selling on a scale of 0-100. A score above 70 indicates strong bullish sentiment, while below 30 suggests bearish activity. UNITED COMMUNITY BANKS INC's current score of 0/100 indicates bearish sentiment with significant insider selling pressure. This is calculated from $0 in purchases versus $525.8K in sales over 90 days, resulting in a net flow of -$525.8K.

SEC Form 4 filings are mandatory reports that UNITED COMMUNITY BANKS INC insiders must submit within 2 business days. Each filing includes the insider's name, relationship, transaction type, shares, and price. Transaction codes: P (purchase), S (sale), A (award), M (option exercise), G (gift). At UCB, the most common type is "F" with 15 occurrences. The most recent Form 4 was filed on Jan 23, 2026 by H. Kumler Alan.

Rule 10b5-1 allows corporate insiders to establish pre-scheduled trading plans when they don't possess material non-public information. At UNITED COMMUNITY BANKS INC, approximately 0% of recent transactions are executed under 10b5-1 plans, while 100% appear to be discretionary trades. The low percentage means most insider activity at UCB represents discretionary decisions with more informational value.