United Community Banks (UCB) Financials

$31.51 -0.89 (-2.73%)

Closing price 10/15/2025 03:59 PM Eastern

Extended Trading

$31.54 +0.03 (+0.10%)

As of 10/15/2025 04:10 PM Eastern

Annual Income Statements for United Community Banks

This table shows United Community Banks' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	67	72	101	67	165	184	164	261	269	181	245
Consolidated Net Income / (Loss)	68	72	101	68	166	186	164	270	277	188	252
Net Income / (Loss) Continuing Operations	68	72	101	68	166	186	164	270	277	188	252
Total Pre-Tax Income	107	115	163	173	216	239	209	348	356	233	323
Total Revenue	278	330	403	444	532	574	658	707	890	893	952
Net Interest Income / (Expense)	223	257	310	356	439	469	502	549	752	818	827
Total Interest Income	248	279	335	390	500	553	558	579	813	1,237	1,378
Loans and Leases Interest Income	196	223	268	315	420	476	494	506	673	1,043	1,147
Investment Securities Interest Income	48	52	64	72	78	74	62	71	132	170	207
Federal Funds Sold and Securities Borrowed Interest Income	3.66	3.43	2.61	2.28	2.01	2.18	1.71	2.09	7.93	25	24
Total Interest Expense	26	21	25	34	61	83	56	30	61	419	550
Deposits Interest Expense	12	8.83	10	17	40	67	42	15	42	396	536
Short-Term Borrowings Interest Expense	3.07	2.11	4.08	6.45	7.46	3.54	0.03	0.00	1.93	8.96	0.13
Long-Term Debt Interest Expense	11	10	11	10	14	13	14	15	17	15	15
Total Non-Interest Income	56	73	94	88	93	105	156	158	138	75	125
Other Service Charges	43	59	79	73	79	93	141	127	107	96	126
Net Realized & Unrealized Capital Gains on Investments	7.49	8.53	11	11	8.62	5.85	6.17	11	6.86	-44	-25
Investment Banking Income	-	-	-	-	5.19	6.15	9.24	19	24	24	24
Provision for Credit Losses	8.50	3.70	-0.80	3.80	9.50	13	80	-38	64	89	51
Total Non-Interest Expense	163	211	241	268	306	322	368	397	470	571	578
Salaries and Employee Benefits	101	117	139	153	181	196	224	241	276	318	340
Net Occupancy & Equipment Expense	26	31	38	40	44	48	53	58	74	86	94
Marketing Expense	3.46	3.67	4.43	4.24	5.99	6.17	15	5.91	8.38	9.47	8.55
Property & Liability Insurance Claims	-	-	-	6.53	8.49	4.90	5.98	7.40	9.89	27	21
Other Operating Expenses	26	35	42	45	54	55	59	65	75	88	92
Amortization Expense	1.35	2.44	4.18	4.85	6.85	4.94	4.17	4.05	6.83	15	15
Restructuring Charge	-	18	8.12	14	5.41	6.91	7.02	14	19	27	8.62
Income Tax Expense	39	43	62	105	50	53	45	78	79	45	71
Basic Earnings per Share	$1.11	$1.09	$1.40	$0.92	$2.07	$2.31	$1.91	$2.97	$2.52	$1.54	$2.04
Weighted Average Basic Shares Outstanding	60.59M	65.49M	71.91M	73.25M	79.66M	79.70M	83.18M	87.94M	106.66M	117.60M	119.78M
Diluted Earnings per Share	$1.11	$1.09	$1.40	$0.92	$2.07	$2.31	$1.91	$2.97	$2.52	$1.54	$2.04
Weighted Average Diluted Shares Outstanding	60.59M	65.49M	71.92M	73.26M	79.67M	79.71M	83.25M	88.10M	106.78M	117.75M	119.90M
Weighted Average Basic & Diluted Shares Outstanding	60.50M	65.60M	71.90M	73.10M	79.70M	79.80M	86.74M	105.98M	115.03M	119.08M	119.44M
Cash Dividends to Common per Share	$0.11	$0.22	$0.30	$0.38	$0.58	$0.68	$0.72	$0.78	$0.86	$0.92	$0.94

This table shows United Community Banks' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Income / (Loss) Attributable to Common Shareholders	79	79	60	61	47	13	61	65	46	74	69
Consolidated Net Income / (Loss)	81	81	62	63	48	14	63	67	47	76	71
Net Income / (Loss) Continuing Operations	81	81	62	63	48	14	63	67	47	76	71
Total Pre-Tax Income	104	106	80	82	60	11	81	86	60	96	91
Total Revenue	232	243	242	237	235	180	239	245	217	251	248
Net Interest Income / (Expense)	200	210	211	200	203	203	199	209	209	210	212
Total Interest Income	214	241	279	296	323	339	337	347	349	345	335
Loans and Leases Interest Income	174	197	236	250	274	282	284	292	292	280	274
Investment Securities Interest Income	37	41	40	41	45	44	46	50	53	57	59
Federal Funds Sold and Securities Borrowed Interest Income	2.87	2.72	3.07	4.23	4.64	13	6.31	5.31	4.52	7.51	2.45
Total Interest Expense	14	31	68	95	121	135	138	138	140	135	123
Deposits Interest Expense	9.88	25	58	89	117	132	134	134	136	131	119
Short-Term Borrowings Interest Expense	0.03	1.90	6.26	2.50	0.19	0.01	0.00	0.06	0.03	0.04	1.54
Long-Term Debt Interest Expense	4.21	4.25	3.90	3.77	3.67	3.47	3.80	3.74	3.72	3.46	2.86
Total Non-Interest Income	32	33	30	36	32	-23	40	37	8.09	41	36
Other Service Charges	24	26	24	28	23	20	32	29	27	38	30
Net Realized & Unrealized Capital Gains on Investments	2.23	1.32	0.27	2.31	2.69	-49	1.54	1.30	-26	-1.73	1.40
Investment Banking Income	5.88	5.84	5.72	5.60	6.45	5.97	6.31	6.39	6.34	4.66	4.47
Provision for Credit Losses	15	20	22	23	30	15	13	12	14	11	15
Total Non-Interest Expense	113	117	140	132	144	155	145	147	143	143	141
Salaries and Employee Benefits	68	68	79	76	81	82	85	86	84	86	84
Net Occupancy & Equipment Expense	18	19	20	21	22	23	23	23	24	24	25
Marketing Expense	2.54	2.05	2.35	2.31	2.25	2.56	1.90	2.46	2.04	2.15	1.88
Property & Liability Insurance Claims	2.36	3.10	4.00	4.14	4.31	15	7.57	4.47	5.00	3.94	4.64
Other Operating Expenses	19	22	23	22	22	22	22	25	23	22	21
Amortization Expense	1.68	1.62	3.53	3.42	4.17	4.06	3.89	3.79	3.53	3.39	3.29
Restructuring Charge	1.75	1.47	8.63	3.65	9.17	5.77	2.09	2.16	2.18	2.20	1.30
Income Tax Expense	22	25	18	18	12	-2.94	18	19	12	21	20
Basic Earnings per Share	$0.74	$0.74	$0.52	$0.53	$0.39	$0.10	$0.51	$0.54	$0.38	$0.61	$0.58
Weighted Average Basic Shares Outstanding	106.69M	106.66M	115.45M	115.77M	119.51M	117.60M	119.66M	119.73M	119.82M	119.78M	120.04M
Diluted Earnings per Share	$0.74	$0.74	$0.52	$0.53	$0.39	$0.10	$0.51	$0.54	$0.38	$0.61	$0.58
Weighted Average Diluted Shares Outstanding	106.80M	106.78M	115.72M	115.87M	119.62M	117.75M	119.74M	119.79M	119.95M	119.90M	120.20M
Weighted Average Basic & Diluted Shares Outstanding	106.17M	115.03M	115.15M	118.85M	118.98M	119.08M	119.14M	119.20M	119.29M	119.44M	121.50M
Cash Dividends to Common per Share	$0.22	$0.22	$0.23	$0.23	$0.23	$0.23	$0.23	$0.23	$0.24	$0.24	$0.24

This table details how cash moves in and out of United Community Banks' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Change in Cash & Equivalents	-36	48	-23	97	13	188	1,093	710	-1,672	357	-484
Net Cash From Operating Activities	99	113	140	208	270	154	159	359	607	294	350
Net Cash From Continuing Operating Activities	99	113	140	208	270	154	159	359	607	294	355
Net Income / (Loss) Continuing Operations	68	72	101	68	166	186	164	270	277	188	252
Consolidated Net Income / (Loss)	68	72	101	68	166	186	164	270	277	188	252
Provision For Loan Losses	8.50	3.70	-0.80	3.80	-	13	80	-38	64	89	51
Depreciation Expense	20	23	30	27	31	24	-8.59	-2.06	47	45	41
Non-Cash Adjustments to Reconcile Net Income	39	40	53	95	6.94	18	4.39	16	13	60	51
Changes in Operating Assets and Liabilities, net	-36	-25	-43	14	66	-87	-82	113	206	-87	-40
Net Cash From Investing Activities	-235	-400	-732	-46	-359	163	-1,581	-1,806	-2,020	-163	-991
Net Cash From Continuing Investing Activities	-235	-400	-732	-46	-359	163	-1,581	-1,806	-2,020	-163	-991
Purchase of Property, Leasehold Improvements and Equipment	-5.05	-11	-17	-22	-18	-21	-18	-26	-43	-72	-47
Purchase of Investment Securities	-959	-1,334	-1,395	-1,093	-927	-579	-2,503	-3,129	-3,256	-1,789	-1,965
Sale of Property, Leasehold Improvements and Equipment	3.14	5.55	5.08	3.14	6.48	6.60	0.90	4.25	9.74	4.67	1.16
Sale and/or Maturity of Investments	723	905	675	1,067	579	755	934	1,341	1,261	1,781	1,020
Net Cash From Financing Activities	99	335	569	-66	102	-129	2,515	2,157	-259	226	157
Net Cash From Continuing Financing Activities	99	335	569	-66	102	-129	2,515	2,157	-259	226	154
Net Change in Deposits	125	196	366	287	728	151	2,534	2,353	-867	1,339	149
Issuance of Debt	1,230	2,159	9,780	4,044	2,958	1,625	104	10	790	2,225	1.10
Repayment of Debt	-1,132	-2,004	-9,536	-4,369	-3,541	-1,840	-134	-115	-81	-3,218	125
Repurchase of Preferred Equity	-122	-	-9.99	-	-	-	-	0.00	0.00	-7.15	0.00
Payment of Dividends	-3.02	-15	-16	-26	-42	-53	-62	-74	-94	-112	-119
Other Financing Activities, Net	-	-1.48	-1.19	-1.70	-1.86	-1.69	-1.80	-2.45	-7.03	-0.82	-2.87

This table details how cash moves in and out of United Community Banks' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Change in Cash & Equivalents	-732	163	131	-67	49	244	-42	-399	177	-220	117
Net Cash From Operating Activities	161	99	90	95	87	22	89	105	7.74	148	99
Net Cash From Continuing Operating Activities	161	99	90	95	87	22	89	105	7.74	153	99
Net Income / (Loss) Continuing Operations	81	81	62	63	48	14	63	67	47	76	71
Consolidated Net Income / (Loss)	81	81	62	63	48	14	63	67	47	76	71
Provision For Loan Losses	15	20	22	23	30	15	13	12	14	11	15
Depreciation Expense	13	12	12	11	10	11	11	9.74	11	9.38	11
Non-Cash Adjustments to Reconcile Net Income	1.26	5.59	10	-2.50	8.66	43	4.93	4.14	30	12	1.09
Changes in Operating Assets and Liabilities, net	51	-20	-16	-0.08	-10	-61	-2.53	12	-95	45	-0.74
Net Cash From Investing Activities	-310	-177	181	-345	161	-161	-123	-125	-63	-681	-57
Net Cash From Continuing Investing Activities	-310	-177	181	-345	161	-161	-123	-125	-63	-681	-57
Purchase of Property, Leasehold Improvements and Equipment	-9.53	-16	-23	-21	-15	-13	-14	-18	-9.94	-5.54	-4.31
Purchase of Investment Securities	-547	-461	-388	-483	442	-1,360	-375	-358	-439	-793	-324
Sale and/or Maturity of Investments	243	293	590	157	-172	1,207	258	249	382	130	267
Other Investing Activities, net	2.77	2.94	0.44	2.41	0.57	3.23	8.16	1.63	3.14	-	4.26
Net Cash From Financing Activities	-583	240	-141	183	-200	384	-8.24	-379	233	312	75
Net Cash From Continuing Financing Activities	-583	240	-141	183	-200	384	-8.24	-379	233	310	75
Net Change in Deposits	-552	-443	793	247	-154	452	21	-350	271	208	301
Issuance of Debt	-	790	1,580	645	-	-	0.10	-	1.00	-	126
Repayment of Debt	-	-81	-2,488	-682	-10	-37	-0.10	-	-9.56	135	-321
Payment of Dividends	-24	-25	-25	-29	-28	-29	-29	-29	-29	-31	-31
Other Financing Activities, Net	-6.02	0.06	-0.60	1.77	-7.11	5.12	0.04	0.07	-0.34	-2.64	-0.98

This table presents United Community Banks' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Total Assets	7,567	9,616	10,709	11,915	12,573	12,916	17,794	20,947	24,009	27,297	27,720
Cash and Due from Banks	77	87	99	129	126	126	149	144	196	201	296
Interest Bearing Deposits at Other Banks	89	153	118	185	201	389	1,460	2,147	316	803	224
Trading Account Securities	2,219	2,676	2,786	2,960	2,947	2,558	3,645	5,695	6,279	5,872	6,804
Loans and Leases, Net of Allowance	4,601	5,927	6,859	7,677	8,322	-62	11,234	11,658	15,175	18,111	17,969
Loans and Leases	4,672	5,995	6,921	7,736	8,383	-	11,371	11,760	15,335	18,319	18,176
Allowance for Loan and Lease Losses	72	68	61	59	61	62	137	103	159	208	207
Loans Held for Sale	14	24	30	33	-	58	105	44	14	33	58
Premises and Equipment, Net	159	178	190	209	206	216	218	245	298	378	394
Intangible Assets	3.64	147	156	244	324	342	382	472	779	990	957
Other Assets	405	397	442	446	412	9,255	601	12,171	817	909	1,019
Total Liabilities & Shareholders' Equity	7,567	9,616	10,709	11,915	12,573	12,916	17,794	20,947	24,009	27,297	27,720
Total Liabilities	6,827	8,598	9,633	10,612	11,116	11,280	15,787	18,725	21,308	24,036	24,288
Non-Interest Bearing Deposits	-	-	-	-	3,210	3,478	5,390	6,957	7,643	6,534	6,211
Interest Bearing Deposits	6,327	7,873	8,638	9,808	7,324	7,419	9,842	11,284	12,233	16,776	17,250
Short-Term Debt	37	45	33	75	26	-	-	0.00	258	85	195
Long-Term Debt	400	594	884	625	427	213	327	247	875	325	254
Other Long-Term Liabilities	57	86	78	104	128	170	228	236	299	315	378
Total Equity & Noncontrolling Interests	740	1,018	1,076	1,303	1,458	1,636	2,008	2,222	2,701	3,262	3,432
Total Preferred & Common Equity	740	1,018	1,076	1,303	1,458	1,636	2,008	2,222	2,701	3,262	3,432
Preferred Stock	-	-	-	-	-	0.00	96	96	96	88	88
Total Common Equity	740	1,018	1,076	1,303	1,458	1,636	1,911	2,126	2,604	3,173	3,344
Common Stock	1,136	1,359	1,354	1,538	1,590	1,587	1,737	1,822	2,425	2,831	2,843
Retained Earnings	-388	-331	-252	-210	-90	40	137	331	509	581	714
Accumulated Other Comprehensive Income / (Loss)	-19	-25	-26	-25	-42	8.39	38	-26	-329	-239	-213

This table presents United Community Banks' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q2 2022	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025
Period end date	6/30/2022	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025
Total Assets	24,213	23,688	25,872	26,120	26,869	27,365	27,057	27,373	27,874
Cash and Due from Banks	238	223	276	267	193	204	198	203	198
Interest Bearing Deposits at Other Banks	977	216	502	444	567	758	365	537	438
Trading Account Securities	6,683	6,539	5,915	5,914	5,701	5,859	6,038	6,425	6,661
Loans and Leases, Net of Allowance	14,404	14,734	16,948	17,204	18,001	18,164	17,998	17,759	18,213
Loans and Leases	14,541	14,882	17,125	17,395	18,203	18,375	18,211	17,964	18,425
Allowance for Loan and Lease Losses	137	149	177	191	202	211	213	205	212
Loans Held for Sale	41	22	20	27	37	38	49	50	37
Premises and Equipment, Net	286	289	337	353	371	386	395	397	391
Intangible Assets	783	781	961	958	994	988	979	975	953
Other Assets	801	839	913	953	1,005	969	1,035	1,027	981
Total Liabilities & Shareholders' Equity	24,213	23,688	25,872	26,120	26,869	27,365	27,057	27,373	27,874
Total Liabilities	21,562	21,053	22,794	23,015	23,685	24,065	23,715	23,966	24,373
Non-Interest Bearing Deposits	8,155	8,198	7,540	6,971	6,782	6,410	6,291	6,223	6,257
Interest Bearing Deposits	12,718	12,123	14,464	15,281	16,076	16,922	16,691	17,031	17,505
Short-Term Debt	-	-	7.22	0.00	37	-	-	-	0.00
Long-Term Debt	324	325	355	325	325	325	325	316	254
Other Long-Term Liabilities	364	407	427	438	465	408	408	397	356
Total Equity & Noncontrolling Interests	2,651	2,635	3,078	3,106	3,184	3,300	3,343	3,407	3,501
Total Preferred & Common Equity	2,651	2,635	3,078	3,106	3,184	3,300	3,343	3,407	3,501
Preferred Stock	96	96	-	96	90	88	88	88	88
Total Common Equity	2,555	2,538	3,066	3,009	3,094	3,212	3,254	3,318	3,413
Common Stock	2,422	2,423	2,722	2,738	2,829	2,834	2,837	2,839	2,844
Retained Earnings	397	453	543	577	597	615	652	669	755
Accumulated Other Comprehensive Income / (Loss)	-264	-337	-294	-306	-333	-237	-235	-190	-187

This table displays calculated financial ratios and metrics derived from United Community Banks' official financial filings.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	1.34%	18.50%	22.28%	10.10%	19.69%	7.97%	14.59%	7.45%	25.92%	0.36%	6.59%
EBITDA Growth	107.08%	8.38%	40.17%	3.82%	23.25%	6.39%	-23.53%	72.11%	16.49%	-31.09%	31.14%
EBIT Growth	206.33%	7.42%	41.71%	6.04%	24.93%	10.55%	-12.26%	66.04%	2.37%	-34.68%	38.90%
NOPAT Growth	-75.24%	5.85%	40.62%	-32.62%	144.93%	11.81%	-11.65%	64.42%	2.84%	-32.41%	34.58%
Net Income Growth	-75.24%	5.85%	40.62%	-32.62%	144.93%	11.81%	-11.65%	64.42%	2.84%	-32.41%	34.58%
EPS Growth	-75.00%	-1.80%	28.44%	-34.29%	125.00%	11.59%	-17.32%	55.50%	-15.15%	-38.89%	32.47%
Operating Cash Flow Growth	-48.20%	14.25%	23.35%	48.64%	29.83%	-42.99%	3.08%	126.44%	69.02%	-51.59%	18.97%
Free Cash Flow Firm Growth	38.88%	-1,099.77%	42.73%	124.15%	357.44%	-3.98%	-229.57%	141.82%	-906.89%	132.22%	-87.93%
Invested Capital Growth	9.46%	40.84%	20.21%	0.56%	-4.63%	-3.29%	26.30%	5.79%	55.24%	-4.24%	5.72%
Revenue Q/Q Growth	1.36%	7.25%	2.83%	3.08%	3.60%	1.57%	6.47%	-5.59%	12.42%	-6.58%	8.00%
EBITDA Q/Q Growth	3.21%	0.90%	9.71%	-1.23%	6.17%	1.46%	-2.14%	-5.74%	23.14%	-25.70%	29.87%
EBIT Q/Q Growth	4.52%	0.19%	10.57%	-1.42%	7.59%	1.84%	7.98%	-10.54%	24.34%	-28.99%	35.86%
NOPAT Q/Q Growth	3.58%	-0.05%	9.83%	-36.63%	52.36%	2.15%	6.83%	-2.70%	11.87%	-26.43%	32.36%
Net Income Q/Q Growth	3.58%	-0.05%	9.83%	-36.59%	52.31%	2.13%	6.83%	-2.70%	11.87%	-26.43%	32.36%
EPS Q/Q Growth	12.12%	-4.39%	10.24%	-37.84%	56.82%	1.76%	3.24%	-3.88%	8.15%	-29.36%	33.33%
Operating Cash Flow Q/Q Growth	7.51%	-18.30%	44.75%	3.40%	3.41%	-7.23%	42.38%	-7.38%	3.85%	-20.78%	56.54%
Free Cash Flow Firm Q/Q Growth	77.85%	-580.18%	48.46%	592.81%	1,046.78%	-18.78%	-35.06%	-33.24%	-218.05%	205.54%	210.91%
Invested Capital Q/Q Growth	-4.97%	35.32%	12.50%	6.04%	-5.67%	-2.82%	1.77%	4.22%	29.55%	3.53%	4.25%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	45.62%	41.72%	47.83%	45.09%	46.43%	45.75%	30.53%	48.91%	45.24%	31.07%	38.22%
EBIT Margin	38.45%	34.86%	40.40%	38.91%	40.61%	41.58%	31.84%	49.20%	40.00%	26.03%	33.92%
Profit (Net Income) Margin	24.29%	21.69%	24.95%	15.27%	31.24%	32.35%	24.94%	38.17%	31.17%	21.00%	26.51%
Tax Burden Percent	63.15%	62.23%	61.76%	39.24%	76.93%	77.80%	78.34%	77.58%	77.94%	80.65%	78.14%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	36.85%	37.77%	38.24%	60.76%	23.07%	22.20%	21.66%	22.42%	22.06%	19.35%	21.86%
Return on Invested Capital (ROIC)	6.00%	5.05%	5.51%	3.39%	8.49%	9.88%	7.85%	11.23%	8.80%	5.00%	6.68%
ROIC Less NNEP Spread (ROIC-NNEP)	6.00%	5.05%	5.51%	3.39%	8.49%	9.88%	7.85%	11.23%	8.80%	5.00%	6.68%
Return on Net Nonoperating Assets (RNNOA)	2.80%	3.09%	4.10%	2.31%	3.55%	2.13%	1.16%	1.53%	2.47%	1.29%	0.86%
Return on Equity (ROE)	8.81%	8.14%	9.61%	5.70%	12.03%	12.01%	9.01%	12.76%	11.27%	6.29%	7.54%
Cash Return on Invested Capital (CROIC)	-3.03%	-28.87%	-12.84%	2.83%	13.22%	13.22%	-15.40%	5.61%	-34.48%	9.33%	1.12%
Operating Return on Assets (OROA)	1.43%	1.34%	1.60%	1.53%	1.76%	1.87%	1.36%	1.80%	1.58%	0.91%	1.17%
Return on Assets (ROA)	0.90%	0.83%	0.99%	0.60%	1.36%	1.46%	1.07%	1.39%	1.23%	0.73%	0.92%
Return on Common Equity (ROCE)	8.04%	8.14%	9.61%	5.70%	12.03%	12.01%	8.77%	12.18%	10.83%	6.10%	7.34%
Return on Equity Simple (ROE_SIMPLE)	9.14%	7.03%	9.36%	5.20%	11.40%	11.35%	8.17%	12.14%	10.27%	5.75%	7.35%
Net Operating Profit after Tax (NOPAT)	68	72	101	68	166	186	164	270	277	188	252
NOPAT Margin	24.29%	21.69%	24.95%	15.27%	31.24%	32.35%	24.94%	38.17%	31.17%	21.00%	26.51%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	46.85%	45.76%	44.90%	44.42%	43.46%	43.65%	44.42%	43.26%	40.34%	46.33%	46.44%
Operating Expenses to Revenue	58.49%	64.02%	59.80%	60.24%	57.60%	56.13%	55.94%	56.11%	52.82%	63.95%	60.72%
Earnings before Interest and Taxes (EBIT)	107	115	163	173	216	239	209	348	356	233	323
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	127	138	193	200	247	263	201	346	403	278	364
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.20	0.99	1.59	1.29	0.97	1.28	1.09	1.34	1.28	1.04	1.14
Price to Tangible Book Value (P/TBV)	1.21	1.16	1.86	1.58	1.25	1.62	1.36	1.73	1.83	1.51	1.60
Price to Revenue (P/Rev)	3.19	3.06	4.23	3.77	2.67	3.64	3.17	4.04	3.76	3.70	4.00
Price to Earnings (P/E)	13.24	14.11	16.97	24.91	8.60	11.34	12.72	10.94	12.42	18.26	15.57
Dividend Yield	0.75%	1.43%	1.26%	1.66%	3.26%	2.59%	2.87%	2.40%	2.75%	3.28%	2.96%
Earnings Yield	7.55%	7.09%	5.89%	4.01%	11.63%	8.82%	7.86%	9.14%	8.05%	5.48%	6.42%
Enterprise Value to Invested Capital (EV/IC)	0.99	0.85	1.21	1.03	0.81	0.97	0.39	0.36	1.02	0.76	0.99
Enterprise Value to Revenue (EV/Rev)	4.17	4.27	5.97	4.64	2.90	3.12	1.37	1.25	4.41	3.13	4.02
Enterprise Value to EBITDA (EV/EBITDA)	9.14	10.23	12.47	10.29	6.25	6.81	4.49	2.55	9.75	10.08	10.51
Enterprise Value to EBIT (EV/EBIT)	10.84	12.24	14.77	11.93	7.15	7.49	4.30	2.54	11.03	12.02	11.85
Enterprise Value to NOPAT (EV/NOPAT)	17.16	19.67	23.91	30.40	9.30	9.63	5.49	3.27	14.15	14.91	15.16
Enterprise Value to Operating Cash Flow (EV/OCF)	11.69	12.41	17.20	9.91	5.72	11.62	5.68	2.46	6.46	9.51	10.94
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	36.43	5.97	7.20	0.00	6.56	0.00	7.98	90.51
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.59	0.63	0.85	0.54	0.31	0.13	0.16	0.11	0.42	0.13	0.13
Long-Term Debt to Equity	0.54	0.58	0.82	0.48	0.29	0.13	0.16	0.11	0.32	0.10	0.07
Financial Leverage	0.47	0.61	0.74	0.68	0.42	0.22	0.15	0.14	0.28	0.26	0.13
Leverage Ratio	9.77	9.78	9.71	9.51	8.87	8.24	8.43	9.16	9.13	8.61	8.22
Compound Leverage Factor	9.77	9.78	9.71	9.51	8.87	8.24	8.43	9.16	9.13	8.61	8.22
Debt to Total Capital	37.16%	38.57%	46.02%	34.96%	23.74%	11.51%	14.01%	10.02%	29.56%	11.16%	11.57%
Short-Term Debt to Total Capital	3.18%	2.74%	1.64%	3.76%	1.38%	0.00%	0.00%	0.00%	6.74%	2.31%	5.02%
Long-Term Debt to Total Capital	33.98%	35.83%	44.38%	31.20%	22.35%	11.51%	14.01%	10.02%	22.81%	8.85%	6.55%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	4.13%	3.90%	2.52%	2.40%	2.27%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	62.84%	61.43%	53.98%	65.04%	76.26%	88.49%	81.86%	86.08%	67.93%	86.44%	86.15%
Debt to EBITDA	3.44	4.64	4.75	3.50	1.84	0.81	1.63	0.72	2.81	1.48	1.23
Net Debt to EBITDA	2.13	2.90	3.63	1.93	0.51	-1.15	-6.38	-5.99	1.21	-2.14	-0.19
Long-Term Debt to EBITDA	3.15	4.31	4.58	3.12	1.73	0.81	1.63	0.72	2.17	1.17	0.70
Debt to NOPAT	6.47	8.93	9.11	10.33	2.73	1.15	1.99	0.92	4.08	2.18	1.78
Net Debt to NOPAT	4.01	5.58	6.95	5.70	0.76	-1.63	-7.81	-7.68	1.75	-3.17	-0.28
Long-Term Debt to NOPAT	5.92	8.30	8.79	9.22	2.57	1.15	1.99	0.92	3.15	1.73	1.01
Noncontrolling Interest Sharing Ratio	8.78%	0.00%	0.00%	0.00%	0.00%	0.00%	2.65%	4.56%	3.92%	3.10%	2.64%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-34	-409	-234	57	259	249	-322	135	-1,087	350	42
Operating Cash Flow to CapEx	5,178.87%	2,274.91%	1,137.70%	1,091.89%	2,425.06%	1,072.78%	903.70%	1,615.94%	1,842.50%	433.46%	762.15%
Free Cash Flow to Firm to Interest Expense	-1.33	-19.38	-9.28	1.68	4.22	2.98	-5.73	4.53	-17.87	0.84	0.08
Operating Cash Flow to Interest Expense	3.89	5.37	5.54	6.16	4.40	1.85	2.82	12.07	9.99	0.70	0.64
Operating Cash Flow Less CapEx to Interest Expense	3.81	5.14	5.06	5.60	4.22	1.68	2.51	11.33	9.45	0.54	0.55
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.05	0.04	0.04	0.04	0.03	0.03
Fixed Asset Turnover	1.72	1.96	2.19	2.23	2.56	2.72	3.03	3.05	3.27	2.64	2.46
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	1,177	1,658	1,993	2,004	1,911	1,848	2,334	2,470	3,834	3,671	3,881
Invested Capital Turnover	0.25	0.23	0.22	0.22	0.27	0.31	0.31	0.29	0.28	0.24	0.25
Increase / (Decrease) in Invested Capital	102	481	335	11	-93	-63	486	135	1,364	-163	210
Enterprise Value (EV)	1,161	1,408	2,407	2,062	1,544	1,788	902	883	3,926	2,796	3,827
Market Capitalization	889	1,009	1,707	1,675	1,418	2,091	2,087	2,858	3,343	3,302	3,809
Book Value per Share	$12.27	$14.25	$15.18	$17.76	$18.40	$20.71	$22.06	$23.81	$24.53	$26.67	$28.03
Tangible Book Value per Share	$12.21	$12.18	$12.98	$14.43	$14.31	$16.38	$17.66	$18.52	$17.19	$18.35	$20.01
Total Capital	1,177	1,658	1,993	2,004	1,911	1,848	2,334	2,470	3,834	3,671	3,881
Total Debt	437	639	917	701	454	213	327	247	1,133	410	449
Total Long-Term Debt	400	594	884	625	427	213	327	247	875	325	254
Net Debt	271	399	700	386	126	-303	-1,282	-2,071	486	-594	-71
Capital Expenditures (CapEx)	1.92	4.99	12	19	11	14	18	22	33	68	46
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	437	639	917	701	454	213	327	247	1,133	410	449
Total Depreciation and Amortization (D&A)	20	23	30	27	31	24	-8.59	-2.06	47	45	41
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.11	$1.09	$1.40	$0.92	$2.07	$2.31	$1.91	$2.97	$2.52	$1.54	$2.04
Adjusted Weighted Average Basic Shares Outstanding	60.59M	65.49M	71.91M	73.25M	79.66M	79.70M	83.18M	87.94M	106.66M	117.60M	119.78M
Adjusted Diluted Earnings per Share	$1.11	$1.09	$1.40	$0.92	$2.07	$2.31	$1.91	$2.97	$2.52	$1.54	$2.04
Adjusted Weighted Average Diluted Shares Outstanding	60.59M	65.49M	71.92M	73.26M	79.67M	79.71M	83.25M	88.10M	106.78M	117.75M	119.90M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$2.31	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	60.30M	71.50M	70.96M	79.11M	79.26M	78.94M	86.74M	105.98M	115.03M	119.08M	119.44M
Normalized Net Operating Profit after Tax (NOPAT)	71	86	109	131	170	191	170	281	293	209	259
Normalized NOPAT Margin	25.37%	26.05%	27.09%	29.42%	32.02%	33.29%	25.78%	39.70%	32.87%	23.45%	27.22%
Pre Tax Income Margin	38.45%	34.86%	40.40%	38.91%	40.61%	41.58%	31.84%	49.20%	40.00%	26.03%	33.92%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	4.19	5.45	6.46	5.12	3.52	2.87	3.72	11.69	5.86	0.55	0.59
NOPAT to Interest Expense	2.65	3.39	3.99	2.01	2.71	2.23	2.92	9.07	4.56	0.45	0.46
EBIT Less CapEx to Interest Expense	4.12	5.21	5.97	4.56	3.34	2.69	3.41	10.94	5.31	0.39	0.50
NOPAT Less CapEx to Interest Expense	2.57	3.15	3.50	1.45	2.53	2.06	2.61	8.32	4.02	0.29	0.38
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	4.47%	20.78%	15.79%	38.65%	25.06%	28.56%	38.06%	27.35%	33.79%	59.57%	46.99%
Augmented Payout Ratio	22.22%	20.78%	29.36%	38.65%	25.06%	35.57%	50.72%	32.95%	33.79%	59.57%	46.99%

This table displays calculated financial ratios and metrics derived from United Community Banks' official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	20.57%	67.88%	19.19%	11.45%	1.22%	-25.85%	-1.22%	3.63%	-7.36%	39.08%	3.75%
EBITDA Growth	14.64%	178.47%	28.35%	-3.76%	-39.55%	-81.29%	-0.54%	2.94%	0.70%	379.00%	11.88%
EBIT Growth	-2.73%	191.58%	32.59%	-5.18%	-42.26%	-89.49%	0.93%	5.48%	-0.01%	764.66%	12.77%
NOPAT Growth	9.95%	56.58%	29.74%	-5.32%	-41.02%	-82.70%	0.53%	5.26%	-1.08%	438.00%	14.02%
Net Income Growth	9.95%	56.58%	29.74%	-5.32%	-41.02%	-82.70%	0.53%	5.26%	-1.08%	438.00%	14.02%
EPS Growth	-9.76%	34.55%	20.93%	-13.11%	-47.30%	-86.49%	-1.92%	1.89%	-2.56%	510.00%	13.73%
Operating Cash Flow Growth	33.65%	29.44%	-55.06%	-35.39%	-45.85%	-77.98%	-1.43%	10.71%	-91.12%	580.10%	11.06%
Free Cash Flow Firm Growth	-29,416.37%	-1,443.63%	42.96%	30.18%	-5.96%	113.78%	65.90%	56.42%	75.92%	-220.03%	51.90%
Invested Capital Growth	24.89%	55.24%	13.94%	15.28%	19.83%	-4.24%	5.37%	6.91%	4.99%	7.84%	3.59%
Revenue Q/Q Growth	9.10%	4.98%	-0.64%	-2.07%	-0.90%	-23.10%	32.36%	2.73%	-11.41%	15.45%	-1.27%
EBITDA Q/Q Growth	20.25%	1.64%	-21.90%	0.83%	-24.47%	-68.55%	315.26%	4.36%	-26.12%	49.60%	-3.01%
EBIT Q/Q Growth	20.45%	2.45%	-24.50%	1.78%	-26.65%	-81.35%	624.98%	6.36%	-30.47%	61.26%	-5.45%
NOPAT Q/Q Growth	21.42%	0.36%	-23.51%	1.59%	-24.37%	-70.56%	344.51%	6.36%	-28.92%	60.10%	-5.79%
Net Income Q/Q Growth	21.42%	0.36%	-23.51%	1.59%	-24.37%	-70.56%	344.51%	6.36%	-28.92%	60.10%	-5.79%
EPS Q/Q Growth	21.31%	0.00%	-29.73%	1.92%	-26.42%	-74.36%	410.00%	5.88%	-29.63%	60.53%	-4.92%
Operating Cash Flow Q/Q Growth	9.57%	-38.57%	-8.91%	5.37%	-8.17%	-75.02%	307.85%	18.33%	-92.63%	1,813.09%	-33.40%
Free Cash Flow Firm Q/Q Growth	9.28%	-152.23%	72.05%	-9.17%	-37.68%	132.80%	-169.17%	-39.50%	23.93%	-63.52%	56.22%
Invested Capital Q/Q Growth	-0.55%	29.55%	-10.27%	-0.28%	3.37%	3.53%	-1.26%	1.17%	1.51%	6.34%	-3.25%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	50.14%	48.54%	38.16%	39.29%	29.94%	12.25%	38.42%	39.03%	32.55%	42.17%	41.43%
EBIT Margin	44.69%	43.61%	33.14%	34.44%	25.49%	6.18%	33.86%	35.06%	27.52%	38.43%	36.81%
Profit (Net Income) Margin	35.03%	33.49%	25.78%	26.74%	20.41%	7.81%	26.23%	27.16%	21.79%	30.22%	28.83%
Tax Burden Percent	78.38%	76.78%	77.79%	77.64%	80.06%	126.37%	77.48%	77.48%	79.20%	78.63%	78.34%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	21.62%	23.22%	22.21%	22.36%	19.94%	-26.37%	22.52%	22.52%	20.80%	21.37%	21.66%
Return on Invested Capital (ROIC)	10.41%	9.46%	7.41%	7.96%	6.00%	1.86%	6.61%	6.88%	5.29%	7.54%	7.51%
ROIC Less NNEP Spread (ROIC-NNEP)	10.41%	9.46%	7.41%	7.96%	6.00%	1.86%	6.61%	6.88%	5.29%	7.54%	7.51%
Return on Net Nonoperating Assets (RNNOA)	1.25%	2.65%	0.88%	0.90%	0.71%	0.48%	0.71%	0.69%	0.54%	1.06%	0.64%
Return on Equity (ROE)	11.66%	12.11%	8.30%	8.86%	6.71%	2.34%	7.32%	7.57%	5.83%	8.60%	8.15%
Cash Return on Invested Capital (CROIC)	-12.82%	-34.48%	-4.00%	-5.20%	-10.20%	9.33%	0.08%	-1.30%	0.37%	-0.93%	3.55%
Operating Return on Assets (OROA)	1.64%	1.73%	1.23%	1.30%	0.96%	0.22%	1.13%	1.19%	0.89%	1.33%	1.28%
Return on Assets (ROA)	1.28%	1.33%	0.95%	1.01%	0.77%	0.27%	0.88%	0.92%	0.71%	1.05%	1.00%
Return on Common Equity (ROCE)	11.19%	11.63%	8.14%	8.56%	6.49%	2.27%	7.21%	7.36%	5.67%	8.37%	7.94%
Return on Equity Simple (ROE_SIMPLE)	9.41%	0.00%	9.48%	9.28%	8.01%	0.00%	5.69%	5.72%	5.60%	0.00%	7.46%
Net Operating Profit after Tax (NOPAT)	81	81	62	63	48	14	63	67	47	76	71
NOPAT Margin	35.03%	33.49%	25.78%	26.74%	20.41%	7.81%	26.23%	27.16%	21.79%	30.22%	28.83%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	38.11%	36.83%	41.77%	42.04%	44.88%	59.95%	46.04%	45.39%	50.40%	44.41%	44.73%
Operating Expenses to Revenue	48.67%	48.24%	57.85%	55.95%	61.60%	85.71%	60.74%	59.96%	65.84%	57.03%	56.97%
Earnings before Interest and Taxes (EBIT)	104	106	80	82	60	11	81	86	60	96	91
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	116	118	92	93	70	22	92	96	71	106	103
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.28	1.28	0.99	0.91	0.93	1.04	0.94	0.91	1.03	1.15	0.98
Price to Tangible Book Value (P/TBV)	1.85	1.83	1.44	1.33	1.38	1.51	1.36	1.31	1.47	1.61	1.36
Price to Revenue (P/Rev)	4.11	3.76	3.27	2.86	3.02	3.70	3.40	3.31	3.89	4.03	3.49
Price to Earnings (P/E)	13.57	12.42	10.73	9.75	11.68	18.26	16.67	16.11	18.71	15.70	13.24
Dividend Yield	2.76%	2.75%	3.35%	3.82%	3.77%	3.28%	3.64%	3.70%	3.25%	2.93%	3.41%
Earnings Yield	7.37%	8.05%	9.32%	10.25%	8.56%	5.48%	6.00%	6.21%	5.34%	6.37%	7.55%
Enterprise Value to Invested Capital (EV/IC)	1.08	1.02	0.76	0.71	0.73	0.76	0.68	0.77	0.83	0.99	0.81
Enterprise Value to Revenue (EV/Rev)	4.03	4.41	2.82	2.56	2.70	3.13	2.78	3.15	3.51	4.13	3.18
Enterprise Value to EBITDA (EV/EBITDA)	9.76	9.75	6.20	5.81	6.92	10.08	8.93	10.11	11.05	10.82	8.16
Enterprise Value to EBIT (EV/EBIT)	11.15	11.03	6.99	6.57	7.89	12.02	10.60	11.89	13.03	12.19	9.18
Enterprise Value to NOPAT (EV/NOPAT)	12.86	14.15	8.99	8.46	10.13	14.91	13.17	14.79	16.25	15.59	11.71
Enterprise Value to Operating Cash Flow (EV/OCF)	5.46	6.46	5.28	5.48	6.96	9.51	8.45	9.34	13.87	11.25	8.51
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	7.98	829.61	0.00	227.81	0.00	23.36
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.12	0.42	0.12	0.10	0.11	0.13	0.10	0.10	0.09	0.15	0.07
Long-Term Debt to Equity	0.12	0.32	0.12	0.10	0.10	0.10	0.10	0.10	0.09	0.07	0.07
Financial Leverage	0.12	0.28	0.12	0.11	0.12	0.26	0.11	0.10	0.10	0.14	0.09
Leverage Ratio	9.07	9.13	8.70	8.74	8.69	8.61	8.35	8.25	8.23	8.22	8.12
Compound Leverage Factor	9.07	9.13	8.70	8.74	8.69	8.61	8.35	8.25	8.23	8.22	8.12
Debt to Total Capital	10.97%	29.56%	10.52%	9.47%	10.21%	11.16%	8.96%	8.86%	8.50%	13.31%	6.77%
Short-Term Debt to Total Capital	0.00%	6.74%	0.21%	0.00%	1.05%	2.31%	0.00%	0.00%	0.00%	6.89%	0.00%
Long-Term Debt to Total Capital	10.97%	22.81%	10.31%	9.47%	9.16%	8.85%	8.96%	8.86%	8.50%	6.42%	6.77%
Preferred Equity to Total Capital	3.26%	2.52%	0.00%	2.80%	2.55%	2.40%	2.43%	2.41%	2.37%	2.23%	2.35%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	85.78%	67.93%	89.13%	87.73%	87.24%	86.44%	88.60%	88.73%	89.13%	84.46%	90.88%
Debt to EBITDA	0.99	2.81	0.86	0.77	0.97	1.48	1.17	1.16	1.13	1.45	0.68
Net Debt to EBITDA	-0.49	1.21	-0.98	-0.92	-1.06	-2.14	-2.30	-0.85	-1.51	0.02	-1.02
Long-Term Debt to EBITDA	0.99	2.17	0.84	0.77	0.87	1.17	1.17	1.16	1.13	0.70	0.68
Debt to NOPAT	1.31	4.08	1.24	1.13	1.42	2.18	1.73	1.70	1.66	2.09	0.97
Net Debt to NOPAT	-0.64	1.75	-1.42	-1.34	-1.56	-3.17	-3.39	-1.24	-2.22	0.03	-1.46
Long-Term Debt to NOPAT	1.31	3.15	1.22	1.13	1.27	1.73	1.73	1.70	1.66	1.01	0.97
Noncontrolling Interest Sharing Ratio	4.05%	3.92%	1.88%	3.35%	3.21%	3.10%	1.57%	2.86%	2.71%	2.64%	2.60%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-509	-1,283	-359	-391	-539	177	-122	-171	-130	-212	-59
Operating Cash Flow to CapEx	1,699.66%	859.52%	440.92%	447.63%	581.63%	194.56%	647.77%	588.49%	83.04%	2,953.57%	2,286.85%
Free Cash Flow to Firm to Interest Expense	-36.04	-41.46	-5.27	-4.10	-4.47	1.31	-0.89	-1.23	-0.93	-1.58	-0.48
Operating Cash Flow to Interest Expense	11.41	3.20	1.32	0.99	0.72	0.16	0.65	0.76	0.06	1.10	0.80
Operating Cash Flow Less CapEx to Interest Expense	10.74	2.82	1.02	0.77	0.60	0.08	0.55	0.63	-0.01	1.06	0.76
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.03	0.03	0.03	0.03	0.03	0.03
Fixed Asset Turnover	3.08	3.27	3.00	2.98	2.90	2.64	2.46	2.40	2.30	2.46	2.47
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	2,959	3,834	3,440	3,430	3,546	3,671	3,625	3,668	3,723	3,959	3,755
Invested Capital Turnover	0.30	0.28	0.29	0.30	0.29	0.24	0.25	0.25	0.24	0.25	0.26
Increase / (Decrease) in Invested Capital	590	1,364	421	455	587	-163	185	237	177	288	130
Enterprise Value (EV)	3,191	3,926	2,624	2,439	2,583	2,796	2,474	2,827	3,098	3,936	3,059
Market Capitalization	3,254	3,343	3,040	2,729	2,890	3,302	3,023	2,977	3,433	3,841	3,353
Book Value per Share	$23.93	$24.53	$26.65	$26.13	$26.03	$26.67	$26.84	$27.32	$27.84	$28.03	$28.57
Tangible Book Value per Share	$16.57	$17.19	$18.30	$17.82	$17.66	$18.35	$18.59	$19.10	$19.66	$20.01	$20.59
Total Capital	2,959	3,834	3,440	3,430	3,546	3,671	3,625	3,668	3,723	3,959	3,755
Total Debt	325	1,133	362	325	362	410	325	325	316	527	254
Total Long-Term Debt	325	875	355	325	325	325	325	325	316	254	254
Net Debt	-160	486	-416	-386	-397	-594	-637	-238	-424	7.11	-382
Capital Expenditures (CapEx)	9.47	12	20	21	15	11	14	18	9.32	5.01	4.31
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	325	1,133	362	325	362	410	325	325	316	527	254
Total Depreciation and Amortization (D&A)	13	12	12	11	10	11	11	9.74	11	9.38	11
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.74	$0.74	$0.52	$0.53	$0.39	$0.10	$0.51	$0.54	$0.38	$0.61	$0.58
Adjusted Weighted Average Basic Shares Outstanding	106.69M	106.66M	115.45M	115.77M	119.51M	117.60M	119.66M	119.73M	119.82M	119.78M	120.04M
Adjusted Diluted Earnings per Share	$0.74	$0.74	$0.52	$0.53	$0.39	$0.10	$0.51	$0.54	$0.38	$0.61	$0.58
Adjusted Weighted Average Diluted Shares Outstanding	106.80M	106.78M	115.72M	115.87M	119.62M	117.75M	119.74M	119.79M	119.95M	119.90M	120.20M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	106.17M	115.03M	115.15M	118.85M	118.98M	119.08M	119.14M	119.20M	119.29M	119.44M	121.50M
Normalized Net Operating Profit after Tax (NOPAT)	83	83	69	66	55	12	64	68	49	78	72
Normalized NOPAT Margin	35.62%	33.95%	28.56%	27.94%	23.54%	6.57%	26.91%	27.84%	22.58%	30.91%	29.24%
Pre Tax Income Margin	44.69%	43.61%	33.14%	34.44%	25.49%	6.18%	33.86%	35.06%	27.52%	38.43%	36.81%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	7.34	3.43	1.18	0.85	0.50	0.08	0.59	0.62	0.43	0.72	0.74
NOPAT to Interest Expense	5.75	2.63	0.92	0.66	0.40	0.10	0.46	0.48	0.34	0.56	0.58
EBIT Less CapEx to Interest Expense	6.67	3.06	0.88	0.63	0.37	0.00	0.49	0.49	0.36	0.68	0.70
NOPAT Less CapEx to Interest Expense	5.08	2.26	0.62	0.44	0.27	0.02	0.36	0.35	0.27	0.53	0.54
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	35.37%	33.79%	34.03%	35.93%	42.27%	59.57%	61.55%	60.89%	61.51%	46.99%	45.92%
Augmented Payout Ratio	35.37%	33.79%	34.03%	35.93%	42.27%	59.57%	61.55%	60.89%	61.51%	46.99%	45.92%

Financials Breakdown Chart

Key Financial Trends

United Community Banks (NYSE: UCB) has demonstrated steady financial performance over the past several years, with notable trends in income, cash flows, and balance sheet metrics based on the data available through Q1 2025.

Income and Profitability:

Net income from continuing operations has shown general growth from $48 million in Q3 2023 to $71 million in Q1 2025, reflecting improved profitability.
Net interest income has steadily increased over time, reaching $212 million in Q1 2025 from $203 million in Q4 2023, highlighting stable core banking revenue generation.
Provision for credit losses has increased significantly from $5.6 million in Q2 2022 to $15.4 million in Q1 2025, which indicates rising credit risk or loan loss expectations.
Non-interest expenses such as salaries, occupancy, and restructuring charges have remained relatively consistent, with total non-interest expense around $141 million in Q1 2025.
Earnings per share have shown an upward trend, with diluted EPS at $0.58 in Q1 2025 compared to $0.39 in Q4 2023 and $0.51 in Q2 2024, supporting shareholder value growth.
Stable dividend payments at $0.24 per share provide consistent returns to shareholders.

Cash Flow and Capital Management:

Net cash from operating activities has increased to $98.6 million in Q1 2025 from $21.8 million in Q4 2024, indicating stronger operating cash generation capabilities.
Investing activities continue to use substantial cash, with Q1 2025 net investing cash flow at negative $56.6 million, driven by large purchases of investment securities.
Financing activities yielded positive net cash ($74.8 million in Q1 2025), partly due to significant deposit growth of $301 million in Q1 2025, enhancing liquidity.
Repayments of debt were high ($321 million in Q1 2025), which could constrain available capital but also reduces risk exposure.

Balance Sheet Highlights:

Total assets have grown from approximately $23.7 billion in Q3 2022 to $27.9 billion in Q1 2025, reflecting expansion in the bank's asset base.
Net loans and leases increased steadily to $18.4 billion in Q1 2025, showing strong loan growth.
Allowance for loan and lease losses rose to $212 million in Q1 2025 from $148 million in Q3 2022, consistent with increased provisions and higher credit risk.
Total deposits have increased markedly, with interest-bearing deposits rising from $12.1 billion in Q3 2022 to $17.5 billion in Q1 2025, pointing to strong customer funding.
Long-term debt declined from $324 million in Q3 2022 to $254 million in Q1 2025, which may reduce leverage but also impacts liquidity strategy.
Shareholders’ equity has consistently increased, reaching $3.5 billion in Q1 2025 from $3.2 billion in Q3 2022, which supports the capital strength of the bank.

Summary: United Community Banks displays robust financial health with increasing net income, growing assets, and solid deposit growth. However, the rise in loan loss provisions and allowance for credit losses suggests lenders should watch credit risk trends closely. Cash flow from operations has improved, while investments and debt repayments indicate active capital management. Overall, UCB continues to build shareholder value with steady earnings growth and consistent dividends, but rising provisions warrant attention.

10/16/25 06:36 AM ETAI Generated. May Contain Errors.

Frequently Asked Questions About United Community Banks' Financials

When does United Community Banks' financial year end?

According to the most recent income statement we have on file, United Community Banks' fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has United Community Banks' net income changed over the last 10 years?

United Community Banks' net income appears to be on an upward trend, with a most recent value of $252.40 million in 2024, rising from $67.62 million in 2014. The previous period was $187.54 million in 2023. See where experts think United Community Banks is headed by visiting United Community Banks' forecast page.

How has United Community Banks' revenue changed over the last 10 years?

Over the last 10 years, United Community Banks' total revenue changed from $278.44 million in 2014 to $952.12 million in 2024, a change of 242.0%.

How much debt does United Community Banks have?

United Community Banks' total liabilities were at $24.29 billion at the end of 2024, a 1.1% increase from 2023, and a 255.7% increase since 2014.

How much cash does United Community Banks have?

In the past 10 years, United Community Banks' cash and equivalents has ranged from $77.18 million in 2014 to $296.16 million in 2024, and is currently $296.16 million as of their latest financial filing in 2024.

How has United Community Banks' book value per share changed over the last 10 years?

Over the last 10 years, United Community Banks' book value per share changed from 12.27 in 2014 to 28.03 in 2024, a change of 128.4%.

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This page (NYSE:UCB) was last updated on 10/16/2025 by MarketBeat.com Staff

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United Community Banks (UCB) Financials

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United Community Banks (UCB) Financials

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