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.
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 (NASDAQ: UCBI) Financial Performance & Trends Analysis (Q2 2022 - Q1 2025)
Reviewing United Community Banks' financial data over the last several years from Q2 2022 through Q1 2025 reveals several key trends and metrics impacting the company’s profitability, liquidity, and operational efficiency.
- Consistent Net Income Growth: The bank’s consolidated net income grew from approximately $66.8 million in Q2 2022 to $71.4 million in Q1 2025, reflecting steady profitability improvement over the period.
- Increasing Net Interest Income: Net Interest Income remained robust, averaging around $200 million to $212 million per quarter recently, supporting core earnings growth.
- Deposit Growth Bolstering Financing Activities: Net change in deposits has frequently been positive, with $301 million increase in Q1 2025, aiding liquidity and funding growth.
- Stable Dividend Payments: The quarterly cash dividend per share remained mostly steady around $0.23-$0.24, signaling a consistent return to shareholders.
- Strong Loan Portfolio: The loan and leases balance increased significantly from $14.5 billion in Q2 2022 to approximately $18.4 billion in Q1 2025, showing expanding credit activity.
- Salaries & Employee Benefits Increase: Expenses from salaries and benefits generally trended higher to support growth but could pressure margins.
- Amortization and Restructuring Charges Present: Recurring amortization and restructuring costs reflect ongoing investment and operational adjustments.
- Debt Issuance and Repayments Fluctuate: Debt levels have been actively managed with periodic issuances and repayments affecting interest expense profiles.
- Capital Gains/Losses Volatility: Non-interest income from realized/unrealized capital gains on investments fluctuated significantly, contributing to non-interest income volatility.
- Provision for Credit Losses Increased: Provisions have risen from $5.6 million (Q2 2022) to $15.4 million (Q1 2025), indicating higher expected credit risks which may pressure future profits.
- Significant Cash Outflows in Investing Activities: Heavy investment in securities with purchases often exceeding sales by large margins contributes to negative net cash from investing activities quarterly.
- Net Cash Volatility: Net changes in cash and equivalents have seen wide swings, such as a -$399 million change in Q2 2024 and +$116 million in Q1 2025, possibly indicating variability in liquidity management.
- Accumulated Other Comprehensive Losses: An ongoing sizable negative balance (around -$180M to -$330M) in accumulated other comprehensive income suggests pressure from unrealized losses or other comprehensive income factors affecting equity.
- Rising Interest Expense: Total interest expense has increased from around $8.5 million in Q2 2022 to approximately $123 million by Q1 2025, driven by higher deposit rates and debt financing costs, which could compress net interest margins.
Summary: United Community Banks shows growth in core revenue streams and loan portfolios supporting profitability gains and shareholder returns. However, increasing credit loss provisions, volatile investment activity, and rising funding costs present challenges that investors should watch closely. Managing these risks alongside leveraging growth opportunities will likely influence the company’s financial stability and future stock performance.
08/09/25 01:45 AMAI Generated. May Contain Errors.