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United Community Banks (UCB) Financials

$28.66 +0.03 (+0.10%)
As of 06/5/2025 03:59 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 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Net Income / (Loss) Attributable to Common Shareholders		 245 181 269 261 164 184 165 67 101 72
Consolidated Net Income / (Loss)		 252 188 277 270 164 186 166 68 101 72
Net Income / (Loss) Continuing Operations		 252 188 277 270 164 186 166 68 101 72
Total Pre-Tax Income 		323 233 356 348 209 239 216 173 163 115
Total Revenue		 952 893 890 707 658 574 532 444 403 330
Net Interest Income / (Expense)		 827 818 752 549 502 469 439 356 310 257
Total Interest Income		 1,378 1,237 813 579 558 553 500 390 335 279
Loans and Leases Interest Income		 1,147 1,043 673 506 494 476 420 315 268 223
Investment Securities Interest Income		 207 170 132 71 62 74 78 72 64 52
Federal Funds Sold and Securities Borrowed Interest Income		 24 25 7.93 2.09 1.71 2.18 2.01 2.28 2.61 3.43
Total Interest Expense		 550 419 61 30 56 83 61 34 25 21
Deposits Interest Expense		 536 396 42 15 42 67 40 17 10 8.83
Short-Term Borrowings Interest Expense		 0.13 8.96 1.93 0.00 0.03 3.54 7.46 6.45 4.08 2.11
Long-Term Debt Interest Expense		 15 15 17 15 14 13 14 10 11 10
Total Non-Interest Income		 125 75 138 158 156 105 93 88 94 73
Other Service Charges		 126 96 107 127 141 93 79 73 79 59
Net Realized & Unrealized Capital Gains on Investments		 -25 -44 6.86 11 6.17 5.85 8.62 11 11 8.53
Investment Banking Income		 24 24 24 19 9.24 6.15 5.19 - - -
Provision for Credit Losses		 51 89 64 -38 80 13 9.50 3.80 -0.80 3.70
Total Non-Interest Expense		 578 571 470 397 368 322 306 268 241 211
Salaries and Employee Benefits		 340 318 276 241 224 196 181 153 139 117
Net Occupancy & Equipment Expense		 94 86 74 58 53 48 44 40 38 31
Marketing Expense		 8.55 9.47 8.38 5.91 15 6.17 5.99 4.24 4.43 3.67
Property & Liability Insurance Claims		 21 27 9.89 7.40 5.98 4.90 8.49 6.53 - -
Other Operating Expenses		 92 88 75 65 59 55 54 45 42 35
Amortization Expense		 15 15 6.83 4.05 4.17 4.94 6.85 4.85 4.18 2.44
Restructuring Charge		 8.62 27 19 14 7.02 6.91 5.41 14 8.12 18
Income Tax Expense		 71 45 79 78 45 53 50 105 62 43
Basic Earnings per Share		 $2.04 $1.54 $2.52 $2.97 $1.91 $2.31 $2.07 $0.92 $1.40 $1.09
Weighted Average Basic Shares Outstanding		 119.78M 117.60M 106.66M 87.94M 83.18M 79.70M 79.66M 73.25M 71.91M 65.49M
Diluted Earnings per Share		 $2.04 $1.54 $2.52 $2.97 $1.91 $2.31 $2.07 $0.92 $1.40 $1.09
Weighted Average Diluted Shares Outstanding		 119.90M 117.75M 106.78M 88.10M 83.25M 79.71M 79.67M 73.26M 71.92M 65.49M
Weighted Average Basic & Diluted Shares Outstanding		 119.44M 119.08M 115.03M 105.98M 86.74M 79.80M 79.70M 73.10M 71.90M 65.60M
Cash Dividends to Common per Share		 $0.94 $0.92 $0.86 $0.78 $0.72 $0.68 $0.58 $0.38 $0.30 $0.22

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

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

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 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -220 177 -399 -42 244 49 -67 131 163 -732
Net Cash From Operating Activities		 148 7.74 105 89 22 87 95 90 99 161
Net Cash From Continuing Operating Activities		 153 7.74 105 89 22 87 95 90 99 161
Net Income / (Loss) Continuing Operations		 76 47 67 63 14 48 63 62 81 81
Consolidated Net Income / (Loss)		 76 47 67 63 14 48 63 62 81 81
Provision For Loan Losses		 11 14 12 13 15 30 23 22 20 15
Depreciation Expense		 9.38 11 9.74 11 11 10 11 12 12 13
Non-Cash Adjustments to Reconcile Net Income		 12 30 4.14 4.93 43 8.66 -2.50 10 5.59 1.26
Changes in Operating Assets and Liabilities, net		 45 -95 12 -2.53 -61 -10 -0.08 -16 -20 51
Net Cash From Investing Activities		 -681 -63 -125 -123 -161 161 -345 181 -177 -310
Net Cash From Continuing Investing Activities		 -681 -63 -125 -123 -161 161 -345 181 -177 -310
Purchase of Property, Leasehold Improvements and Equipment		 -5.54 -9.94 -18 -14 -13 -15 -21 -23 -16 -9.53
Purchase of Investment Securities		 -793 -439 -358 -375 -1,360 442 -483 -388 -461 -547
Sale of Property, Leasehold Improvements and Equipment		 0.53 0.62 - 0.02 2.14 0.36 - 2.17 4.90 0.05
Sale and/or Maturity of Investments		 130 382 249 258 1,207 -172 157 590 293 243
Net Cash From Financing Activities		 312 233 -379 -8.24 384 -200 183 -141 240 -583
Net Cash From Continuing Financing Activities		 310 233 -379 -8.24 384 -200 183 -141 240 -583
Net Change in Deposits		 208 271 -350 21 452 -154 247 793 -443 -552
Repayment of Debt		 135 -9.56 - -0.10 -37 -10 -682 -2,488 -81 -
Payment of Dividends		 -31 -29 -29 -29 -29 -28 -29 -25 -25 -24
Other Financing Activities, Net		 -2.64 -0.34 0.07 0.04 5.12 -7.11 1.77 -0.60 0.06 -6.02

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 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Total Assets		 27,720 27,297 24,009 20,947 17,794 12,916 12,573 11,915 10,709 9,616
Cash and Due from Banks		 296 201 196 144 149 126 126 129 99 87
Interest Bearing Deposits at Other Banks		 224 803 316 2,147 1,460 389 201 185 118 153
Trading Account Securities		 6,851 5,872 6,279 5,695 3,645 2,558 2,947 2,960 2,786 2,676
Loans and Leases, Net of Allowance		 17,969 18,111 15,175 11,658 11,234 -62 8,322 7,677 6,859 5,927
Loans and Leases		 18,176 18,319 15,335 11,760 11,371 - 8,383 7,736 6,921 5,995
Allowance for Loan and Lease Losses		 207 208 159 103 137 62 61 59 61 68
Loans Held for Sale		 58 33 14 44 105 58 - 33 30 24
Premises and Equipment, Net		 394 378 298 245 218 216 206 209 190 178
Intangible Assets		 957 990 779 472 382 342 324 244 156 147
Other Assets		 972 909 817 12,171 601 9,255 412 446 442 397
Total Liabilities & Shareholders' Equity		 27,720 27,297 24,009 20,947 17,794 12,916 12,573 11,915 10,709 9,616
Total Liabilities		 24,288 24,036 21,308 18,725 15,787 11,280 11,116 10,612 9,633 8,598
Non-Interest Bearing Deposits		 6,211 6,534 7,643 6,957 5,390 3,478 3,210 - - -
Interest Bearing Deposits		 17,250 16,776 12,233 11,284 9,842 7,419 7,324 9,808 8,638 7,873
Short-Term Debt		 273 85 258 0.00 - - 26 75 33 45
Long-Term Debt		 254 325 875 247 327 213 427 625 884 594
Other Long-Term Liabilities		 300 315 299 236 228 170 128 104 78 86
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 3,432 3,262 2,701 2,222 2,008 1,636 1,458 1,303 1,076 1,018
Total Preferred & Common Equity		 3,432 3,262 2,701 2,222 2,008 1,636 1,458 1,303 1,076 1,018
Preferred Stock		 88 88 96 96 96 0.00 - - - -
Total Common Equity		 3,344 3,173 2,604 2,126 1,911 1,636 1,458 1,303 1,076 1,018
Common Stock		 2,843 2,831 2,425 1,822 1,737 1,587 1,590 1,538 1,354 1,359
Retained Earnings		 714 581 509 331 137 40 -90 -210 -252 -331
Accumulated Other Comprehensive Income / (Loss)		 -213 -239 -329 -26 38 8.39 -42 -25 -26 -25

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

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 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 6.59% 0.36% 25.92% 7.45% 14.59% 7.97% 19.69% 10.10% 22.28% 18.50%
EBITDA Growth		 31.14% -31.09% 16.49% 72.11% -23.53% 6.39% 23.25% 3.82% 40.17% 8.38%
EBIT Growth		 38.90% -34.68% 2.37% 66.04% -12.26% 10.55% 24.93% 6.04% 41.71% 7.42%
NOPAT Growth		 34.58% -32.41% 2.84% 64.42% -11.65% 11.81% 144.93% -32.62% 40.62% 5.85%
Net Income Growth		 34.58% -32.41% 2.84% 64.42% -11.65% 11.81% 144.93% -32.62% 40.62% 5.85%
EPS Growth		 32.47% -38.89% -15.15% 55.50% -17.32% 11.59% 125.00% -34.29% 28.44% -1.80%
Operating Cash Flow Growth		 18.97% -51.59% 69.02% 126.44% 3.08% -42.99% 29.83% 48.64% 23.35% 14.25%
Free Cash Flow Firm Growth		 -110.15% 132.22% -906.89% 141.82% -229.57% -3.98% 357.44% 124.15% 42.73% -1,099.77%
Invested Capital Growth		 7.84% -4.24% 55.24% 5.79% 26.30% -3.29% -4.63% 0.56% 20.21% 40.84%
Revenue Q/Q Growth		 8.00% -6.58% 12.42% -5.59% 6.47% 1.57% 3.60% 3.08% 2.83% 7.25%
EBITDA Q/Q Growth		 29.87% -25.70% 23.14% -5.74% -2.14% 1.46% 6.17% -1.23% 9.71% 0.90%
EBIT Q/Q Growth		 35.86% -28.99% 24.34% -10.54% 7.98% 1.84% 7.59% -1.42% 10.57% 0.19%
NOPAT Q/Q Growth		 32.36% -26.43% 11.87% -2.70% 6.83% 2.15% 52.36% -36.63% 9.83% -0.05%
Net Income Q/Q Growth		 32.36% -26.43% 11.87% -2.70% 6.83% 2.13% 52.31% -36.59% 9.83% -0.05%
EPS Q/Q Growth		 33.33% -29.36% 8.15% -3.88% 3.24% 1.76% 56.82% -37.84% 10.24% -4.39%
Operating Cash Flow Q/Q Growth		 56.54% -20.78% 3.85% -7.38% 42.38% -7.23% 3.41% 3.40% 44.75% -18.30%
Free Cash Flow Firm Q/Q Growth		 -361.49% 205.54% -218.05% -33.24% -35.06% -18.78% 1,046.78% 592.81% 48.46% -580.18%
Invested Capital Q/Q Growth		 6.34% 3.53% 29.55% 4.22% 1.77% -2.82% -5.67% 6.04% 12.50% 35.32%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 38.22% 31.07% 45.24% 48.91% 30.53% 45.75% 46.43% 45.09% 47.83% 41.72%
EBIT Margin		 33.92% 26.03% 40.00% 49.20% 31.84% 41.58% 40.61% 38.91% 40.40% 34.86%
Profit (Net Income) Margin		 26.51% 21.00% 31.17% 38.17% 24.94% 32.35% 31.24% 15.27% 24.95% 21.69%
Tax Burden Percent		 78.14% 80.65% 77.94% 77.58% 78.34% 77.80% 76.93% 39.24% 61.76% 62.23%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 21.86% 19.35% 22.06% 22.42% 21.66% 22.20% 23.07% 60.76% 38.24% 37.77%
Return on Invested Capital (ROIC)		 6.62% 5.00% 8.80% 11.23% 7.85% 9.88% 8.49% 3.39% 5.51% 5.05%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.62% 5.00% 8.80% 11.23% 7.85% 9.88% 8.49% 3.39% 5.51% 5.05%
Return on Net Nonoperating Assets (RNNOA)		 0.93% 1.29% 2.47% 1.53% 1.16% 2.13% 3.55% 2.31% 4.10% 3.09%
Return on Equity (ROE)		 7.54% 6.29% 11.27% 12.76% 9.01% 12.01% 12.03% 5.70% 9.61% 8.14%
Cash Return on Invested Capital (CROIC)		 -0.93% 9.33% -34.48% 5.61% -15.40% 13.22% 13.22% 2.83% -12.84% -28.87%
Operating Return on Assets (OROA)		 1.17% 0.91% 1.58% 1.80% 1.36% 1.87% 1.76% 1.53% 1.60% 1.34%
Return on Assets (ROA)		 0.92% 0.73% 1.23% 1.39% 1.07% 1.46% 1.36% 0.60% 0.99% 0.83%
Return on Common Equity (ROCE)		 7.34% 6.10% 10.83% 12.18% 8.77% 12.01% 12.03% 5.70% 9.61% 8.14%
Return on Equity Simple (ROE_SIMPLE)		 7.35% 5.75% 10.27% 12.14% 8.17% 11.35% 11.40% 5.20% 9.36% 7.03%
Net Operating Profit after Tax (NOPAT)		 252 188 277 270 164 186 166 68 101 72
NOPAT Margin		 26.51% 21.00% 31.17% 38.17% 24.94% 32.35% 31.24% 15.27% 24.95% 21.69%
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%
SG&A Expenses to Revenue		 46.44% 46.33% 40.34% 43.26% 44.42% 43.65% 43.46% 44.42% 44.90% 45.76%
Operating Expenses to Revenue		 60.72% 63.95% 52.82% 56.11% 55.94% 56.13% 57.60% 60.24% 59.80% 64.02%
Earnings before Interest and Taxes (EBIT)		 323 233 356 348 209 239 216 173 163 115
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 364 278 403 346 201 263 247 200 193 138
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.15 1.04 1.28 1.34 1.09 1.28 0.97 1.29 1.59 0.99
Price to Tangible Book Value (P/TBV)		 1.61 1.51 1.83 1.73 1.36 1.62 1.25 1.58 1.86 1.16
Price to Revenue (P/Rev)		 4.03 3.70 3.76 4.04 3.17 3.64 2.67 3.77 4.23 3.06
Price to Earnings (P/E)		 15.70 18.26 12.42 10.94 12.72 11.34 8.60 24.91 16.97 14.11
Dividend Yield		 2.93% 3.28% 2.75% 2.40% 2.87% 2.59% 3.26% 1.66% 1.26% 1.43%
Earnings Yield		 6.37% 5.48% 8.05% 9.14% 7.86% 8.82% 11.63% 4.01% 5.89% 7.09%
Enterprise Value to Invested Capital (EV/IC)		 0.99 0.76 1.02 0.36 0.39 0.97 0.81 1.03 1.21 0.85
Enterprise Value to Revenue (EV/Rev)		 4.13 3.13 4.41 1.25 1.37 3.12 2.90 4.64 5.97 4.27
Enterprise Value to EBITDA (EV/EBITDA)		 10.82 10.08 9.75 2.55 4.49 6.81 6.25 10.29 12.47 10.23
Enterprise Value to EBIT (EV/EBIT)		 12.19 12.02 11.03 2.54 4.30 7.49 7.15 11.93 14.77 12.24
Enterprise Value to NOPAT (EV/NOPAT)		 15.59 14.91 14.15 3.27 5.49 9.63 9.30 30.40 23.91 19.67
Enterprise Value to Operating Cash Flow (EV/OCF)		 11.25 9.51 6.46 2.46 5.68 11.62 5.72 9.91 17.20 12.41
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 7.98 0.00 6.56 0.00 7.20 5.97 36.43 0.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.15 0.13 0.42 0.11 0.16 0.13 0.31 0.54 0.85 0.63
Long-Term Debt to Equity		 0.07 0.10 0.32 0.11 0.16 0.13 0.29 0.48 0.82 0.58
Financial Leverage		 0.14 0.26 0.28 0.14 0.15 0.22 0.42 0.68 0.74 0.61
Leverage Ratio		 8.22 8.61 9.13 9.16 8.43 8.24 8.87 9.51 9.71 9.78
Compound Leverage Factor		 8.22 8.61 9.13 9.16 8.43 8.24 8.87 9.51 9.71 9.78
Debt to Total Capital		 13.31% 11.16% 29.56% 10.02% 14.01% 11.51% 23.74% 34.96% 46.02% 38.57%
Short-Term Debt to Total Capital		 6.89% 2.31% 6.74% 0.00% 0.00% 0.00% 1.38% 3.76% 1.64% 2.74%
Long-Term Debt to Total Capital		 6.42% 8.85% 22.81% 10.02% 14.01% 11.51% 22.35% 31.20% 44.38% 35.83%
Preferred Equity to Total Capital		 2.23% 2.40% 2.52% 3.90% 4.13% 0.00% 0.00% 0.00% 0.00% 0.00%
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%
Common Equity to Total Capital		 84.46% 86.44% 67.93% 86.08% 81.86% 88.49% 76.26% 65.04% 53.98% 61.43%
Debt to EBITDA		 1.45 1.48 2.81 0.72 1.63 0.81 1.84 3.50 4.75 4.64
Net Debt to EBITDA		 0.02 -2.14 1.21 -5.99 -6.38 -1.15 0.51 1.93 3.63 2.90
Long-Term Debt to EBITDA		 0.70 1.17 2.17 0.72 1.63 0.81 1.73 3.12 4.58 4.31
Debt to NOPAT		 2.09 2.18 4.08 0.92 1.99 1.15 2.73 10.33 9.11 8.93
Net Debt to NOPAT		 0.03 -3.17 1.75 -7.68 -7.81 -1.63 0.76 5.70 6.95 5.58
Long-Term Debt to NOPAT		 1.01 1.73 3.15 0.92 1.99 1.15 2.57 9.22 8.79 8.30
Noncontrolling Interest Sharing Ratio		 2.64% 3.10% 3.92% 4.56% 2.65% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -36 350 -1,087 135 -322 249 259 57 -234 -409
Operating Cash Flow to CapEx		 762.15% 433.46% 1,842.50% 1,615.94% 903.70% 1,072.78% 2,425.06% 1,091.89% 1,137.70% 2,274.91%
Free Cash Flow to Firm to Interest Expense		 -0.06 0.84 -17.87 4.53 -5.73 2.98 4.22 1.68 -9.28 -19.38
Operating Cash Flow to Interest Expense		 0.64 0.70 9.99 12.07 2.82 1.85 4.40 6.16 5.54 5.37
Operating Cash Flow Less CapEx to Interest Expense		 0.55 0.54 9.45 11.33 2.51 1.68 4.22 5.60 5.06 5.14
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.04 0.04 0.04 0.05 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.46 2.64 3.27 3.05 3.03 2.72 2.56 2.23 2.19 1.96
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 3,959 3,671 3,834 2,470 2,334 1,848 1,911 2,004 1,993 1,658
Invested Capital Turnover		 0.25 0.24 0.28 0.29 0.31 0.31 0.27 0.22 0.22 0.23
Increase / (Decrease) in Invested Capital		 288 -163 1,364 135 486 -63 -93 11 335 481
Enterprise Value (EV)		 3,936 2,796 3,926 883 902 1,788 1,544 2,062 2,407 1,408
Market Capitalization		 3,841 3,302 3,343 2,858 2,087 2,091 1,418 1,675 1,707 1,009
Book Value per Share		 $28.03 $26.67 $24.53 $23.81 $22.06 $20.71 $18.40 $17.76 $15.18 $14.25
Tangible Book Value per Share		 $20.01 $18.35 $17.19 $18.52 $17.66 $16.38 $14.31 $14.43 $12.98 $12.18
Total Capital		 3,959 3,671 3,834 2,470 2,334 1,848 1,911 2,004 1,993 1,658
Total Debt		 527 410 1,133 247 327 213 454 701 917 639
Total Long-Term Debt		 254 325 875 247 327 213 427 625 884 594
Net Debt		 7.11 -594 486 -2,071 -1,282 -303 126 386 700 399
Capital Expenditures (CapEx)		 46 68 33 22 18 14 11 19 12 4.99
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 527 410 1,133 247 327 213 454 701 917 639
Total Depreciation and Amortization (D&A)		 41 45 47 -2.06 -8.59 24 31 27 30 23
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.04 $1.54 $2.52 $2.97 $1.91 $2.31 $2.07 $0.92 $1.40 $1.09
Adjusted Weighted Average Basic Shares Outstanding		 119.78M 117.60M 106.66M 87.94M 83.18M 79.70M 79.66M 73.25M 71.91M 65.49M
Adjusted Diluted Earnings per Share		 $2.04 $1.54 $2.52 $2.97 $1.91 $2.31 $2.07 $0.92 $1.40 $1.09
Adjusted Weighted Average Diluted Shares Outstanding		 119.90M 117.75M 106.78M 88.10M 83.25M 79.71M 79.67M 73.26M 71.92M 65.49M
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
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 119.44M 119.08M 115.03M 105.98M 86.74M 78.94M 79.26M 79.11M 70.96M 71.50M
Normalized Net Operating Profit after Tax (NOPAT)		 259 209 293 281 170 191 170 131 109 86
Normalized NOPAT Margin		 27.22% 23.45% 32.87% 39.70% 25.78% 33.29% 32.02% 29.42% 27.09% 26.05%
Pre Tax Income Margin		 33.92% 26.03% 40.00% 49.20% 31.84% 41.58% 40.61% 38.91% 40.40% 34.86%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.59 0.55 5.86 11.69 3.72 2.87 3.52 5.12 6.46 5.45
NOPAT to Interest Expense		 0.46 0.45 4.56 9.07 2.92 2.23 2.71 2.01 3.99 3.39
EBIT Less CapEx to Interest Expense		 0.50 0.39 5.31 10.94 3.41 2.69 3.34 4.56 5.97 5.21
NOPAT Less CapEx to Interest Expense		 0.38 0.29 4.02 8.32 2.61 2.06 2.53 1.45 3.50 3.15
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 46.99% 59.57% 33.79% 27.35% 38.06% 28.56% 25.06% 38.65% 15.79% 20.78%
Augmented Payout Ratio		 46.99% 59.57% 33.79% 32.95% 50.72% 35.57% 25.06% 38.65% 29.36% 20.78%

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 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 39.08% -7.36% 3.63% -1.22% -25.85% 1.22% 11.45% 19.19% 67.88% 20.57%
EBITDA Growth		 379.00% 0.70% 2.94% -0.54% -81.29% -39.55% -3.76% 28.35% 178.47% 14.64%
EBIT Growth		 764.66% -0.01% 5.48% 0.93% -89.49% -42.26% -5.18% 32.59% 191.58% -2.73%
NOPAT Growth		 438.00% -1.08% 5.26% 0.53% -82.70% -41.02% -5.32% 29.74% 56.58% 9.95%
Net Income Growth		 438.00% -1.08% 5.26% 0.53% -82.70% -41.02% -5.32% 29.74% 56.58% 9.95%
EPS Growth		 510.00% -2.56% 1.89% -1.92% -86.49% -47.30% -13.11% 20.93% 34.55% -9.76%
Operating Cash Flow Growth		 580.10% -91.12% 10.71% -1.43% -77.98% -45.85% -35.39% -55.06% 29.44% 33.65%
Free Cash Flow Firm Growth		 -220.03% 75.92% 56.42% 65.90% 113.78% -5.96% 30.18% 42.96% -1,443.63% -29,416.37%
Invested Capital Growth		 7.84% 4.99% 6.91% 5.37% -4.24% 19.83% 15.28% 13.94% 55.24% 24.89%
Revenue Q/Q Growth		 15.45% -11.41% 2.73% 32.36% -23.10% -0.90% -2.07% -0.64% 4.98% 9.10%
EBITDA Q/Q Growth		 49.60% -26.12% 4.36% 315.26% -68.55% -24.47% 0.83% -21.90% 1.64% 20.25%
EBIT Q/Q Growth		 61.26% -30.47% 6.36% 624.98% -81.35% -26.65% 1.78% -24.50% 2.45% 20.45%
NOPAT Q/Q Growth		 60.10% -28.92% 6.36% 344.51% -70.56% -24.37% 1.59% -23.51% 0.36% 21.42%
Net Income Q/Q Growth		 60.10% -28.92% 6.36% 344.51% -70.56% -24.37% 1.59% -23.51% 0.36% 21.42%
EPS Q/Q Growth		 60.53% -29.63% 5.88% 410.00% -74.36% -26.42% 1.92% -29.73% 0.00% 21.31%
Operating Cash Flow Q/Q Growth		 1,813.09% -92.63% 18.33% 307.85% -75.02% -8.17% 5.37% -8.91% -38.57% 9.57%
Free Cash Flow Firm Q/Q Growth		 -63.52% 23.93% -39.50% -169.17% 132.80% -37.68% -9.17% 72.05% -152.23% 9.28%
Invested Capital Q/Q Growth		 6.34% 1.51% 1.17% -1.26% 3.53% 3.37% -0.28% -10.27% 29.55% -0.55%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 42.17% 32.55% 39.03% 38.42% 12.25% 29.94% 39.29% 38.16% 48.54% 50.14%
EBIT Margin		 38.43% 27.52% 35.06% 33.86% 6.18% 25.49% 34.44% 33.14% 43.61% 44.69%
Profit (Net Income) Margin		 30.22% 21.79% 27.16% 26.23% 7.81% 20.41% 26.74% 25.78% 33.49% 35.03%
Tax Burden Percent		 78.63% 79.20% 77.48% 77.48% 126.37% 80.06% 77.64% 77.79% 76.78% 78.38%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 21.37% 20.80% 22.52% 22.52% -26.37% 19.94% 22.36% 22.21% 23.22% 21.62%
Return on Invested Capital (ROIC)		 7.54% 5.29% 6.88% 6.61% 1.86% 6.00% 7.96% 7.41% 9.46% 10.41%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.54% 5.29% 6.88% 6.61% 1.86% 6.00% 7.96% 7.41% 9.46% 10.41%
Return on Net Nonoperating Assets (RNNOA)		 1.06% 0.54% 0.69% 0.71% 0.48% 0.71% 0.90% 0.88% 2.65% 1.25%
Return on Equity (ROE)		 8.60% 5.83% 7.57% 7.32% 2.34% 6.71% 8.86% 8.30% 12.11% 11.66%
Cash Return on Invested Capital (CROIC)		 -0.93% 0.37% -1.30% 0.08% 9.33% -10.20% -5.20% -4.00% -34.48% -12.82%
Operating Return on Assets (OROA)		 1.33% 0.89% 1.19% 1.13% 0.22% 0.96% 1.30% 1.23% 1.73% 1.64%
Return on Assets (ROA)		 1.05% 0.71% 0.92% 0.88% 0.27% 0.77% 1.01% 0.95% 1.33% 1.28%
Return on Common Equity (ROCE)		 8.37% 5.67% 7.36% 7.21% 2.27% 6.49% 8.56% 8.14% 11.63% 11.19%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 5.60% 5.72% 5.69% 0.00% 8.01% 9.28% 9.48% 0.00% 9.41%
Net Operating Profit after Tax (NOPAT)		 76 47 67 63 14 48 63 62 81 81
NOPAT Margin		 30.22% 21.79% 27.16% 26.23% 7.81% 20.41% 26.74% 25.78% 33.49% 35.03%
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%
SG&A Expenses to Revenue		 44.41% 50.40% 45.39% 46.04% 59.95% 44.88% 42.04% 41.77% 36.83% 38.11%
Operating Expenses to Revenue		 57.03% 65.84% 59.96% 60.74% 85.71% 61.60% 55.95% 57.85% 48.24% 48.67%
Earnings before Interest and Taxes (EBIT)		 96 60 86 81 11 60 82 80 106 104
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 106 71 96 92 22 70 93 92 118 116
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.15 1.03 0.91 0.95 1.04 0.93 0.91 0.99 1.28 1.28
Price to Tangible Book Value (P/TBV)		 1.61 1.47 1.31 1.37 1.51 1.38 1.33 1.44 1.83 1.85
Price to Revenue (P/Rev)		 4.03 3.89 3.31 3.42 3.70 3.02 2.86 3.27 3.76 4.11
Price to Earnings (P/E)		 15.70 18.71 16.11 16.81 18.26 11.68 9.75 10.73 12.42 13.57
Dividend Yield		 2.93% 3.25% 3.70% 3.61% 3.28% 3.77% 3.82% 3.35% 2.75% 2.76%
Earnings Yield		 6.37% 5.34% 6.21% 5.95% 5.48% 8.56% 10.25% 9.32% 8.05% 7.37%
Enterprise Value to Invested Capital (EV/IC)		 0.99 0.83 0.77 0.69 0.76 0.73 0.71 0.76 1.02 1.08
Enterprise Value to Revenue (EV/Rev)		 4.13 3.51 3.15 2.81 3.13 2.70 2.56 2.82 4.41 4.03
Enterprise Value to EBITDA (EV/EBITDA)		 10.82 11.05 10.11 9.02 10.08 6.92 5.81 6.20 9.75 9.76
Enterprise Value to EBIT (EV/EBIT)		 12.19 13.03 11.89 10.71 12.02 7.89 6.57 6.99 11.03 11.15
Enterprise Value to NOPAT (EV/NOPAT)		 15.59 16.25 14.79 13.30 14.91 10.13 8.46 8.99 14.15 12.86
Enterprise Value to Operating Cash Flow (EV/OCF)		 11.25 13.87 9.34 8.54 9.51 6.96 5.48 5.28 6.46 5.46
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 227.81 0.00 838.03 7.98 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.15 0.09 0.10 0.10 0.13 0.11 0.10 0.12 0.42 0.12
Long-Term Debt to Equity		 0.07 0.09 0.10 0.10 0.10 0.10 0.10 0.12 0.32 0.12
Financial Leverage		 0.14 0.10 0.10 0.11 0.26 0.12 0.11 0.12 0.28 0.12
Leverage Ratio		 8.22 8.23 8.25 8.35 8.61 8.69 8.74 8.70 9.13 9.07
Compound Leverage Factor		 8.22 8.23 8.25 8.35 8.61 8.69 8.74 8.70 9.13 9.07
Debt to Total Capital		 13.31% 8.50% 8.86% 8.96% 11.16% 10.21% 9.47% 10.52% 29.56% 10.97%
Short-Term Debt to Total Capital		 6.89% 0.00% 0.00% 0.00% 2.31% 1.05% 0.00% 0.21% 6.74% 0.00%
Long-Term Debt to Total Capital		 6.42% 8.50% 8.86% 8.96% 8.85% 9.16% 9.47% 10.31% 22.81% 10.97%
Preferred Equity to Total Capital		 2.23% 2.37% 2.41% 2.43% 2.40% 2.55% 2.80% 0.00% 2.52% 3.26%
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%
Common Equity to Total Capital		 84.46% 89.13% 88.73% 88.60% 86.44% 87.24% 87.73% 89.13% 67.93% 85.78%
Debt to EBITDA		 1.45 1.13 1.16 1.17 1.48 0.97 0.77 0.86 2.81 0.99
Net Debt to EBITDA		 0.02 -1.51 -0.85 -2.30 -2.14 -1.06 -0.92 -0.98 1.21 -0.49
Long-Term Debt to EBITDA		 0.70 1.13 1.16 1.17 1.17 0.87 0.77 0.84 2.17 0.99
Debt to NOPAT		 2.09 1.66 1.70 1.73 2.18 1.42 1.13 1.24 4.08 1.31
Net Debt to NOPAT		 0.03 -2.22 -1.24 -3.39 -3.17 -1.56 -1.34 -1.42 1.75 -0.64
Long-Term Debt to NOPAT		 1.01 1.66 1.70 1.73 1.73 1.27 1.13 1.22 3.15 1.31
Noncontrolling Interest Sharing Ratio		 2.64% 2.71% 2.86% 1.57% 3.10% 3.21% 3.35% 1.88% 3.92% 4.05%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -212 -130 -171 -122 177 -539 -391 -359 -1,283 -509
Operating Cash Flow to CapEx		 2,953.57% 83.04% 588.49% 648.52% 194.56% 581.63% 447.63% 440.92% 859.52% 1,699.66%
Free Cash Flow to Firm to Interest Expense		 -1.58 -0.93 -1.23 -0.89 1.31 -4.47 -4.10 -5.27 -41.46 -36.04
Operating Cash Flow to Interest Expense		 1.10 0.06 0.76 0.65 0.16 0.72 0.99 1.32 3.20 11.41
Operating Cash Flow Less CapEx to Interest Expense		 1.06 -0.01 0.63 0.55 0.08 0.60 0.77 1.02 2.82 10.74
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.46 2.30 2.40 2.46 2.64 2.90 2.98 3.00 3.27 3.08
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 3,959 3,723 3,668 3,625 3,671 3,546 3,430 3,440 3,834 2,959
Invested Capital Turnover		 0.25 0.24 0.25 0.25 0.24 0.29 0.30 0.29 0.28 0.30
Increase / (Decrease) in Invested Capital		 288 177 237 185 -163 587 455 421 1,364 590
Enterprise Value (EV)		 3,936 3,098 2,827 2,499 2,796 2,583 2,439 2,624 3,926 3,191
Market Capitalization		 3,841 3,433 2,977 3,048 3,302 2,890 2,729 3,040 3,343 3,254
Book Value per Share		 $28.03 $27.84 $27.32 $26.84 $26.67 $26.03 $26.13 $26.65 $24.53 $23.93
Tangible Book Value per Share		 $20.01 $19.66 $19.10 $18.59 $18.35 $17.66 $17.82 $18.30 $17.19 $16.57
Total Capital		 3,959 3,723 3,668 3,625 3,671 3,546 3,430 3,440 3,834 2,959
Total Debt		 527 316 325 325 410 362 325 362 1,133 325
Total Long-Term Debt		 254 316 325 325 325 325 325 355 875 325
Net Debt		 7.11 -424 -238 -637 -594 -397 -386 -416 486 -160
Capital Expenditures (CapEx)		 5.01 9.32 18 14 11 15 21 20 12 9.47
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 527 316 325 325 410 362 325 362 1,133 325
Total Depreciation and Amortization (D&A)		 9.38 11 9.74 11 11 10 11 12 12 13
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.61 $0.38 $0.54 $0.51 $0.10 $0.39 $0.53 $0.52 $0.74 $0.74
Adjusted Weighted Average Basic Shares Outstanding		 119.78M 119.82M 119.73M 119.66M 117.60M 119.51M 115.77M 115.45M 106.66M 106.69M
Adjusted Diluted Earnings per Share		 $0.61 $0.38 $0.54 $0.51 $0.10 $0.39 $0.53 $0.52 $0.74 $0.74
Adjusted Weighted Average Diluted Shares Outstanding		 119.90M 119.95M 119.79M 119.74M 117.75M 119.62M 115.87M 115.72M 106.78M 106.80M
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
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 119.44M 119.29M 119.20M 119.14M 119.08M 118.98M 118.85M 115.15M 115.03M 106.17M
Normalized Net Operating Profit after Tax (NOPAT)		 78 49 68 64 12 55 66 69 83 83
Normalized NOPAT Margin		 30.91% 22.58% 27.84% 26.91% 6.57% 23.54% 27.94% 28.56% 33.95% 35.62%
Pre Tax Income Margin		 38.43% 27.52% 35.06% 33.86% 6.18% 25.49% 34.44% 33.14% 43.61% 44.69%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.72 0.43 0.62 0.59 0.08 0.50 0.85 1.18 3.43 7.34
NOPAT to Interest Expense		 0.56 0.34 0.48 0.46 0.10 0.40 0.66 0.92 2.63 5.75
EBIT Less CapEx to Interest Expense		 0.68 0.36 0.49 0.49 0.00 0.37 0.63 0.88 3.06 6.67
NOPAT Less CapEx to Interest Expense		 0.53 0.27 0.35 0.36 0.02 0.27 0.44 0.62 2.26 5.08
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 46.99% 61.51% 60.89% 61.55% 59.57% 42.27% 35.93% 34.03% 33.79% 35.37%
Augmented Payout Ratio		 46.99% 61.51% 60.89% 61.55% 59.57% 42.27% 35.93% 34.03% 33.79% 35.37%

Frequently Asked Questions About United Community Banks' Financials

When does United Community Banks's 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 9 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 $71.58 million in 2015. The previous period was $187.54 million in 2023.

How has United Community Banks revenue changed over the last 9 years?

Over the last 9 years, United Community Banks' total revenue changed from $329.95 million in 2015 to $952.12 million in 2024, a change of 188.6%.

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 182.5% increase since 2015.

How much cash does United Community Banks have?

In the past 9 years, United Community Banks' cash and equivalents has ranged from $86.91 million in 2015 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 9 years?

Over the last 9 years, United Community Banks' book value per share changed from 14.25 in 2015 to 28.03 in 2024, a change of 96.8%.


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This page (NYSE:UCB) was last updated on 6/6/2025 by MarketBeat.com Staff
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