United Community Banks Insider Files Form 4 for 1,616-Share Sale

Rhea-AI Filing Summary

Form 4 discloses that Richard Bradshaw, EVP & Chief Banking Officer of United Community Banks, Inc. (UCBI), executed three open-market sales of the company’s common stock on 07/28/2025 under a pre-arranged Rule 10b5-1 trading plan.

• Shares sold: 1,594 @ $30.94, 20 @ $30.97, 2 @ $30.95  → total 1,616 shares.
• Gross proceeds: ≈ $50,053.
• Remaining direct ownership: 78,395 shares after the last transaction.

The filing records the transactions as code “S” (sale) and indicates no derivative security activity. Bradshaw remains a senior officer and is still a substantial shareholder; the reported disposals represent ~2.0 % of his prior direct holdings and do not alter his insider status.

No other material events, option exercises, or changes in indirect ownership are reported in this filing.

Positive

• None.

Negative

• Insider selling, even if modest, can be interpreted as a short-term bearish signal by some investors.

Insights

Financial Analyst

TL;DR: Small insider sale (~$50k) under 10b5-1; negligible impact on ownership or thesis.

The transactions equate to roughly 1,616 shares, just 2 % of Bradshaw’s stake, executed around $31. Such modest, pre-scheduled selling generally signals personal liquidity rather than deteriorating fundamentals. With 78k shares still held, alignment of interests remains strong. From a valuation or earnings perspective, this Form 4 is immaterial; however, persistent insider buying/selling trends bear monitoring for sentiment shifts.

Corporate Governance Specialist

TL;DR: Scheduled sale compliant with Rule 10b5-1; governance risk minimal.

The use of a disclosed 10b5-1 plan indicates adherence to best practices, limiting opportunistic trading accusations. Volume is far below reporting thresholds that might raise red flags for control or signaling issues. No co-filers or complex derivative positions appear, reducing transparency concerns. Overall, the filing is routine and governance-neutral.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

1. Name and Address of Reporting Person^*

BRADSHAW RICHARD

(Last) (First) (Middle)

C/O UNITED COMMUNITY BANKS, INC.

200 EAST CAMPERDOWN WAY

(Street)

GREENVILLE SC 29601

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
UNITED COMMUNITY BANKS INC [ UCB ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP, Chief Banking Officer

3. Date of Earliest Transaction (Month/Day/Year)
07/28/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	07/28/2025		S		1,594(1)	D	$30.94	78,417	D
Common Stock	07/28/2025		S		20(1)	D	$30.97	78,397	D
Common Stock	07/28/2025		S		2(1)	D	$30.95	78,395	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Reflects shares of United Community Banks, Inc. common stock sold pursuant to a 10b5-1 plan.

Remarks:

	/s/ Melinda Davis Lux, Attorney in Fact	07/28/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

How many UCBI shares did EVP Richard Bradshaw sell?

He sold 1,616 shares of United Community Banks, Inc. common stock.

What was the average sale price of the UCBI shares?

Prices ranged from $30.94 to $30.97 per share.

What is Bradshaw’s remaining UCBI share ownership?

After the transactions, he directly owns 78,395 shares.

Was the sale part of a 10b5-1 trading plan?

Yes. The filing states the shares were sold pursuant to a Rule 10b5-1 plan.

Did the filing report any derivative security activity?

No. Table II shows no acquisitions or dispositions of derivative securities.

Does this insider sale materially affect UCBI’s ownership structure?

No. The sale represents roughly 2 % of Bradshaw’s prior holdings and is immaterial to total insider ownership.