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United Community Banks (UCB) Financials

United Community Banks logo
$33.40 -0.09 (-0.25%)
Closing price 03:59 PM Eastern
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$33.40 -0.01 (-0.01%)
As of 04:02 PM Eastern
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Annual Income Statements for United Community Banks

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

Quarterly Income Statements for United Community Banks

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

Annual Cash Flow Statements for United Community Banks

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

Quarterly Cash Flow Statements for United Community Banks

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

Annual Balance Sheets for United Community Banks

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

Quarterly Balance Sheets for United Community Banks

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

Annual Metrics And Ratios for United Community Banks

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%

Quarterly Metrics And Ratios for United Community Banks

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%

Key Financial Trends

United Community Banks (NYSE: UCB) has demonstrated consistent financial performance over the last four years, highlighted by steady growth in net income and maintaining stable asset quality and capital structure. Below are key points from the most recent quarter (Q1 2025) compared with historical data, illustrating trends and recent developments:

  • Q1 2025 net income was $71.4 million, showing a stable earnings trend compared to $75.8 million in Q4 2024 and $62.6 million in Q1 2024, reflecting strong profitability resilience.
  • Net interest income increased slightly to $212.0 million in Q1 2025 from $210.3 million in Q4 2024, supported by strong loans and leases interest income of $274.1 million.
  • Provision for loan losses rose to $15.4 million in Q1 2025 from $11.4 million in Q4 2024, indicating cautious credit management but still within manageable levels relative to loan portfolio size.
  • Total assets grew modestly to $27.9 billion in Q1 2025, up from $27.4 billion at the end of 2024 Q4, supported by net loan growth and deposits increases of $301 million.
  • The bank maintained a strong capital position with total equity of approximately $3.5 billion in Q1 2025, up slightly from previous quarters, supporting ongoing growth and resilience.
  • Operating expenses were relatively stable, with salaries and benefits at around $84.3 million and non-interest expenses totaling approximately $141.1 million, consistent with past quarters.
  • Dividend was maintained at $0.24 per share in Q1 2025, reflecting steady shareholder returns and a sustainable payout ratio.
  • Net cash from investing activities was negative $56.6 million in Q1 2025, consistent with continued investment in securities and equipment, reflecting capital deployment which may pressure short-term liquidity but supports long-term operations.
  • Debt repayment outpaced issuance in Q1 2025, with $321 million repaid versus $126 million issued; while this reduces leverage, it tightens available financing capacity in the short term.
  • Compared to earlier years (2022 and 2023), interest income has grown but interest expense has also increased significantly, tightening the net interest margin, a potential area for efficiency improvement.

Overall Analysis: United Community Banks continues to exhibit solid earnings and asset growth with prudent credit loss provisions and stable expense management. The recent increase in loan loss provisions deserves attention but has not undermined profitability. The balance sheet shows healthy capital and deposit growth, although management is actively managing debt levels. Investors may view UCB as a steady regional bank beneficiary of rising rates, balanced with disciplined cost and credit controls. Potential risks include rising funding costs and cautious credit trends.

Retail investors interested in regional banks can consider UCB for its consistent earnings growth, stable dividend, and strengthening asset base, while monitoring quarterly loan loss provisions and net interest margin trends for early signs of stress or improvement.

08/29/25 04:04 PM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

Frequently Asked Questions About United Community Banks' Financials

When does United Community Banks' fiscal year end?

According to the most recent income statement we have on file, United Community Banks' financial year ends in December. Their financial 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. Find out what analysts predict for United Community Banks in the coming months.

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 (NASDAQ:UCB) was last updated on 8/29/2025 by MarketBeat.com Staff
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