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United Community Banks (UCB) Financials

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$32.49 +0.43 (+1.35%)
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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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 72 101 67 165 184 164 261 269 188 252 328
Consolidated Net Income / (Loss)		 72 101 68 166 186 164 270 277 188 252 328
Net Income / (Loss) Continuing Operations		 72 101 68 166 186 164 270 277 188 252 328
Total Pre-Tax Income 		115 163 173 216 239 209 348 356 233 323 422
Total Revenue		 330 403 444 532 574 658 707 890 893 952 1,063
Net Interest Income / (Expense)		 257 310 356 439 469 502 549 752 818 827 909
Total Interest Income		 279 335 390 500 553 558 579 813 1,237 1,378 1,383
Loans and Leases Interest Income		 223 268 315 420 476 494 506 673 1,043 1,147 1,153
Investment Securities Interest Income		 52 64 72 78 74 62 71 132 170 207 217
Federal Funds Sold and Securities Borrowed Interest Income		 3.43 2.61 2.28 2.01 2.18 1.71 2.09 7.93 25 24 13
Total Interest Expense		 21 25 34 61 83 56 30 61 419 550 474
Deposits Interest Expense		 8.83 10 17 40 67 42 15 42 396 536 464
Short-Term Borrowings Interest Expense		 2.11 4.08 6.45 7.46 3.54 0.03 0.00 1.93 8.96 0.13 1.67
Long-Term Debt Interest Expense		 10 11 10 14 13 14 15 17 15 15 8.41
Total Non-Interest Income		 73 94 88 93 105 156 158 138 75 125 154
Other Service Charges		 59 79 73 79 93 141 127 107 96 126 127
Net Realized & Unrealized Capital Gains on Investments		 8.53 11 11 8.62 5.85 6.17 11 6.86 -44 -25 8.28
Investment Banking Income		 - - - 5.19 6.15 9.24 19 24 24 24 19
Provision for Credit Losses		 3.70 -0.80 3.80 9.50 13 80 -38 64 89 51 49
Total Non-Interest Expense		 211 241 268 306 322 368 397 470 571 578 592
Salaries and Employee Benefits		 117 139 153 181 196 224 241 276 318 340 354
Net Occupancy & Equipment Expense		 31 38 40 44 48 53 58 74 86 94 100
Marketing Expense		 3.67 4.43 4.24 5.99 6.17 15 5.91 8.38 9.47 8.55 9.61
Property & Liability Insurance Claims		 - - 6.53 8.49 4.90 5.98 7.40 9.89 27 21 19
Other Operating Expenses		 35 42 45 54 55 59 65 75 88 92 85
Amortization Expense		 2.44 4.18 4.85 6.85 4.94 4.17 4.05 6.83 15 15 13
Restructuring Charge		 18 8.12 14 5.41 6.91 7.02 14 19 27 8.62 10
Income Tax Expense		 43 62 105 50 53 45 78 79 45 71 94
Basic Earnings per Share		 $1.09 $1.40 $0.92 $2.07 $2.31 $1.91 $2.97 $2.52 $1.54 $2.04 $2.62
Weighted Average Basic Shares Outstanding		 65.49M 71.91M 73.25M 79.66M 79.70M 83.18M 87.94M 106.66M 117.60M 119.78M 121.31M
Diluted Earnings per Share		 $1.09 $1.40 $0.92 $2.07 $2.31 $1.91 $2.97 $2.52 $1.54 $2.04 $2.62
Weighted Average Diluted Shares Outstanding		 65.49M 71.92M 73.26M 79.67M 79.71M 83.25M 88.10M 106.78M 117.75M 119.90M 121.44M
Weighted Average Basic & Diluted Shares Outstanding		 65.60M 71.90M 73.10M 79.70M 79.80M 86.74M 105.98M 115.03M 119.08M 119.44M 119.61M
Cash Dividends to Common per Share		 $0.22 $0.30 $0.38 $0.58 $0.68 $0.72 $0.78 $0.86 $0.92 $0.94 $0.98

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 47 13 61 67 47 74 71 79 91 88 84
Consolidated Net Income / (Loss)		 48 14 63 67 47 76 71 79 91 86 84
Net Income / (Loss) Continuing Operations		 48 14 63 67 47 76 71 79 91 86 84
Total Pre-Tax Income 		60 11 81 86 60 96 91 101 118 113 108
Total Revenue		 235 180 239 245 217 251 248 260 277 278 277
Net Interest Income / (Expense)		 203 203 199 209 209 210 212 226 234 238 233
Total Interest Income		 323 339 337 347 349 345 335 347 354 346 334
Loans and Leases Interest Income		 274 282 284 292 292 280 274 288 298 293 286
Investment Securities Interest Income		 45 44 46 50 53 57 59 56 53 49 46
Other Interest Income		 - - - - - - 2.45 - - - 1.76
Total Interest Expense		 121 135 138 138 140 135 123 122 120 108 101
Deposits Interest Expense		 117 132 134 134 136 131 119 119 118 107 98
Short-Term Borrowings Interest Expense		 0.19 0.01 0.00 0.06 0.03 0.04 1.54 0.08 0.03 0.02 1.97
Long-Term Debt Interest Expense		 3.67 3.47 3.80 3.74 3.72 3.46 2.86 2.62 1.72 1.22 1.20
Total Non-Interest Income		 32 -23 40 37 8.09 41 36 35 43 40 44
Other Service Charges		 23 20 32 29 27 38 30 28 36 33 37
Net Realized & Unrealized Capital Gains on Investments		 2.69 -49 1.54 1.30 -26 -1.73 1.40 2.28 2.43 2.16 2.03
Investment Banking Income		 6.45 5.97 6.31 6.39 6.34 4.66 4.47 4.40 4.76 5.25 4.63
Provision for Credit Losses		 30 15 13 12 14 11 15 12 7.91 14 11
Total Non-Interest Expense		 144 155 145 147 143 143 141 148 151 152 157
Salaries and Employee Benefits		 81 82 85 86 84 86 84 87 91 93 101
Net Occupancy & Equipment Expense		 22 23 23 23 24 24 25 24 25 26 26
Marketing Expense		 2.25 2.56 1.90 2.46 2.04 2.15 1.88 2.88 2.05 2.79 2.40
Property & Liability Insurance Claims		 4.31 15 7.57 4.47 5.00 3.94 4.64 4.75 4.85 4.75 2.27
Other Operating Expenses		 22 22 22 25 23 22 21 21 21 22 22
Amortization Expense		 4.17 4.06 3.89 3.79 3.53 3.39 3.29 3.29 3.31 3.19 3.06
Restructuring Charge		 9.17 5.77 2.09 2.16 2.18 2.20 1.30 4.83 3.47 0.61 0.87
Income Tax Expense		 12 -2.94 18 19 12 21 20 22 27 26 24
Basic Earnings per Share		 $0.39 $0.10 $0.51 $0.54 $0.38 $0.61 $0.58 $0.63 $0.71 $0.70 $0.69
Weighted Average Basic Shares Outstanding		 119.51M 117.60M 119.66M 119.73M 119.82M 119.78M 120.04M 121.38M 122.12M 121.31M 120.50M
Diluted Earnings per Share		 $0.39 $0.10 $0.51 $0.54 $0.38 $0.61 $0.58 $0.63 $0.70 $0.71 $0.69
Weighted Average Diluted Shares Outstanding		 119.62M 117.75M 119.74M 119.79M 119.95M 119.90M 120.20M 121.43M 122.25M 121.44M 120.72M
Weighted Average Basic & Diluted Shares Outstanding		 118.98M 119.08M 119.14M 119.20M 119.29M 119.44M 121.50M 121.47M 121.56M 119.61M 119.69M
Cash Dividends to Common per Share		 $0.23 $0.23 $0.23 $0.23 $0.24 $0.24 $0.24 $0.24 $0.25 - $0.25

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Net Change in Cash & Equivalents		 48 -23 97 13 188 1,093 710 -1,672 357 -484 -124
Net Cash From Operating Activities		 113 140 208 270 154 159 359 607 294 350 384
Net Cash From Continuing Operating Activities		 113 140 208 270 154 159 359 607 294 350 384
Net Income / (Loss) Continuing Operations		 72 101 68 166 186 164 270 277 188 252 328
Consolidated Net Income / (Loss)		 72 101 68 166 186 164 270 277 188 252 328
Provision For Loan Losses		 3.70 -0.80 3.80 - 13 80 -38 64 89 51 49
Depreciation Expense		 23 30 27 31 24 -8.59 -2.06 47 45 41 46
Non-Cash Adjustments to Reconcile Net Income		 40 53 95 6.94 18 4.39 16 13 60 45 14
Changes in Operating Assets and Liabilities, net		 -25 -43 14 66 -87 -82 113 206 -87 -40 -53
Net Cash From Investing Activities		 -400 -732 -46 -359 163 -1,581 -1,806 -2,020 -163 -991 33
Net Cash From Continuing Investing Activities		 -400 -732 -46 -359 163 -1,581 -1,806 -2,020 -163 -991 33
Purchase of Property, Leasehold Improvements and Equipment		 -11 -17 -22 -18 -21 -18 -26 -43 -72 -47 -28
Acquisitions		 - - - - - - 0.00 0.00 -94 0.00 0.00
Purchase of Investment Securities		 -1,334 -1,395 -1,093 -927 -579 -2,503 -3,129 -3,256 -1,789 -1,965 -1,420
Sale and/or Maturity of Investments		 905 675 1,067 579 755 934 1,341 1,261 1,781 1,002 1,462
Other Investing Activities, net		 -1.20 - - 0.00 1.92 5.24 4.06 6.94 11 18 19
Net Cash From Financing Activities		 335 569 -66 102 -129 2,515 2,157 -259 226 157 -542
Net Cash From Continuing Financing Activities		 335 569 -66 102 -129 2,515 2,157 -259 226 157 -542
Net Change in Deposits		 196 366 287 728 151 2,534 2,353 -867 1,339 149 -36
Issuance of Debt		 2,159 9,780 4,044 2,958 1,625 104 10 790 2,225 1.10 126
Repayment of Debt		 -2,004 -9,536 -4,369 -3,541 -1,840 -134 -115 -81 -3,218 125 -371
Repurchase of Preferred Equity		 - -9.99 - - - - 0.00 0.00 -7.15 0.00 -92
Repurchase of Common Equity		 - -14 0.00 0.00 -13 -21 -15 - 0.00 0.00 -44
Payment of Dividends		 -15 -16 -26 -42 -53 -62 -74 -94 -112 -119 -123
Other Financing Activities, Net		 -1.48 -1.19 -1.70 -1.86 -1.69 -1.80 -2.45 -7.03 -0.82 -0.01 -1.22

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 49 244 -42 -399 177 -220 117 -62 38 -218 97
Net Cash From Operating Activities		 87 22 89 105 7.74 148 99 97 123 65 69
Net Cash From Continuing Operating Activities		 87 22 89 105 7.74 153 99 97 123 65 69
Net Income / (Loss) Continuing Operations		 48 14 63 67 47 76 71 79 91 86 84
Consolidated Net Income / (Loss)		 48 14 63 67 47 76 71 79 91 86 84
Provision For Loan Losses		 30 15 13 12 14 11 15 12 7.91 14 11
Depreciation Expense		 10 11 11 9.74 11 9.38 11 12 11 12 20
Non-Cash Adjustments to Reconcile Net Income		 8.66 43 4.93 4.14 30 12 1.09 3.99 -0.90 9.86 7.37
Changes in Operating Assets and Liabilities, net		 -10 -61 -2.53 12 -95 45 -0.74 -9.58 14 -56 -53
Net Cash From Investing Activities		 161 -161 -123 -125 -63 -681 -57 160 -20 -50 -46
Net Cash From Continuing Investing Activities		 161 -161 -123 -125 -63 -681 -57 160 -20 -50 -46
Purchase of Property, Leasehold Improvements and Equipment		 -15 -13 -14 -18 -9.94 -5.54 -4.31 -12 -5.39 -5.76 -6.92
Purchase of Investment Securities		 442 -1,360 -375 -358 -439 -793 -324 109 -107 -1,098 -317
Sale and/or Maturity of Investments		 -172 1,207 258 249 382 130 267 58 85 1,052 276
Other Investing Activities, net		 0.57 3.23 8.16 1.63 3.14 - 4.26 4.67 7.80 2.16 2.85
Net Cash From Financing Activities		 -200 384 -8.24 -379 233 312 75 -318 -65 -233 74
Net Cash From Continuing Financing Activities		 -200 384 -8.24 -379 233 310 75 -318 -65 -233 74
Net Change in Deposits		 -154 452 21 -350 271 208 301 -174 58 -221 227
Issuance of Debt		 - - 0.10 - 1.00 - 126 - - - 475
Repayment of Debt		 -10 -37 -0.10 - -9.56 135 -321 -100 - 50 -560
Repurchase of Common Equity		 - - - - - - 0.00 - - -30 -37
Payment of Dividends		 -28 -29 -29 -29 -29 -31 -31 -31 -31 -31 -31
Other Financing Activities, Net		 -7.11 5.12 0.04 0.07 -0.34 -2.64 -0.98 0.18 0.02 -0.45 -0.28

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Total Assets		 9,616 10,709 11,915 12,573 12,916 17,794 20,947 24,009 27,297 27,720 28,003
Cash and Due from Banks		 87 99 129 126 126 149 144 196 201 296 203
Interest Bearing Deposits at Other Banks		 153 118 185 201 389 1,460 2,147 316 803 224 193
Trading Account Securities		 2,676 2,786 2,960 2,947 2,558 3,645 5,695 6,279 5,872 6,851 5,988
Loans and Leases, Net of Allowance		 5,927 6,859 7,677 8,322 -62 11,234 11,658 15,175 18,111 17,969 19,174
Loans and Leases		 5,995 6,921 7,736 8,383 - 11,371 11,760 15,335 18,319 18,176 19,384
Allowance for Loan and Lease Losses		 68 61 59 61 62 137 103 159 208 207 210
Loans Held for Sale		 24 30 33 - 58 105 44 14 33 58 39
Premises and Equipment, Net		 178 190 209 206 216 218 245 298 378 394 394
Intangible Assets		 147 156 244 324 342 382 472 779 990 957 968
Other Assets		 397 442 446 412 9,255 601 12,171 817 909 972 1,044
Total Liabilities & Shareholders' Equity		 9,616 10,709 11,915 12,573 12,916 17,794 20,947 24,009 27,297 27,720 28,003
Total Liabilities		 8,598 9,633 10,612 11,116 11,280 15,787 18,725 21,308 24,036 24,288 24,364
Non-Interest Bearing Deposits		 - - - 3,210 3,478 5,390 6,957 7,643 6,534 6,211 6,252
Interest Bearing Deposits		 7,873 8,638 9,808 7,324 7,419 9,842 11,284 12,233 16,776 17,250 17,546
Short-Term Debt		 45 33 75 26 - - 0.00 258 85 195 85
Long-Term Debt		 594 884 625 427 213 327 247 875 325 254 120
Other Long-Term Liabilities		 86 78 104 128 170 228 236 299 315 378 360
Total Equity & Noncontrolling Interests		 1,018 1,076 1,303 1,458 1,636 2,008 2,222 2,701 3,262 3,432 3,639
Total Preferred & Common Equity		 1,018 1,076 1,303 1,458 1,636 2,008 2,222 2,701 3,262 3,432 3,639
Total Common Equity		 1,018 1,076 1,303 1,458 1,636 1,911 2,126 2,604 3,173 3,344 3,639
Common Stock		 1,359 1,354 1,538 1,590 1,587 1,737 1,822 2,425 2,831 2,843 2,875
Retained Earnings		 -331 -252 -210 -90 40 137 331 509 581 714 914
Accumulated Other Comprehensive Income / (Loss)		 -25 -26 -25 -42 8.39 38 -26 -329 -239 -213 -151

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 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 23,688 25,872 26,120 26,869 27,365 27,057 27,373 27,874 28,086 28,143 28,177
Cash and Due from Banks		 223 276 267 193 204 198 203 198 202 205 177
Interest Bearing Deposits at Other Banks		 216 502 444 567 758 365 537 438 359 408 316
Trading Account Securities		 6,539 5,915 5,914 5,701 5,859 6,038 6,425 6,661 6,382 6,163 5,889
Loans and Leases, Net of Allowance		 14,734 16,948 17,204 18,001 18,164 17,998 17,759 18,213 18,704 18,959 19,393
Loans and Leases		 14,882 17,125 17,395 18,203 18,375 18,211 17,964 18,425 18,921 19,175 19,602
Allowance for Loan and Lease Losses		 149 177 191 202 211 213 205 212 217 216 208
Loans Held for Sale		 22 20 27 37 38 49 50 37 37 35 41
Premises and Equipment, Net		 289 337 353 371 386 395 397 391 396 395 392
Intangible Assets		 781 961 958 994 988 979 975 953 974 971 965
Other Assets		 839 913 953 1,005 969 1,035 1,027 981 1,016 1,007 1,003
Total Liabilities & Shareholders' Equity		 23,688 25,872 26,120 26,869 27,365 27,057 27,373 27,874 28,086 28,143 28,177
Total Liabilities		 21,053 22,794 23,015 23,685 24,065 23,715 23,966 24,373 24,473 24,547 24,522
Non-Interest Bearing Deposits		 8,198 7,540 6,971 6,782 6,410 6,291 6,223 6,257 6,382 6,444 6,473
Interest Bearing Deposits		 12,123 14,464 15,281 16,076 16,922 16,691 17,031 17,505 17,581 17,577 17,552
Short-Term Debt		 - 7.22 0.00 37 - - - 0.00 0.00 0.00 0.00
Long-Term Debt		 325 355 325 325 325 325 316 254 155 155 121
Other Long-Term Liabilities		 407 427 438 465 408 408 397 356 354 371 376
Total Equity & Noncontrolling Interests		 2,635 3,078 3,106 3,184 3,300 3,343 3,407 3,501 3,613 3,597 3,655
Total Preferred & Common Equity		 2,635 3,078 3,106 3,184 3,300 3,343 3,407 3,501 3,613 3,597 3,655
Total Common Equity		 2,538 3,066 3,009 3,094 3,212 3,254 3,318 3,413 3,525 3,597 3,655
Common Stock		 2,423 2,722 2,738 2,829 2,834 2,837 2,839 2,844 2,899 2,902 2,841
Retained Earnings		 453 543 577 597 615 652 669 755 803 858 968
Accumulated Other Comprehensive Income / (Loss)		 -337 -294 -306 -333 -237 -235 -190 -187 -177 -164 -154

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.09 $1.40 $0.92 $2.07 $2.31 $1.91 $2.97 $2.52 $1.54 $2.04 $2.62
Adjusted Weighted Average Basic Shares Outstanding		 65.49M 71.91M 73.25M 79.66M 79.70M 83.18M 87.94M 106.66M 117.60M 119.78M 121.31M
Adjusted Diluted Earnings per Share		 $1.09 $1.40 $0.92 $2.07 $2.31 $1.91 $2.97 $2.52 $1.54 $2.04 $2.62
Adjusted Weighted Average Diluted Shares Outstanding		 65.49M 71.92M 73.26M 79.67M 79.71M 83.25M 88.10M 106.78M 117.75M 119.90M 121.44M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $2.31 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 71.50M 70.96M 79.11M 79.26M 78.94M 86.74M 105.98M 115.03M 119.08M 119.44M 119.61M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 119,613,176.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 119,613,176.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 0.70
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 1.22% -25.85% -1.22% 3.63% -7.36% 39.08% 3.75% 6.11% 27.42% - 11.64%
EBITDA Growth		 -39.55% -81.29% -0.54% 2.94% 0.70% 379.00% 11.88% 17.41% 82.22% - 24.92%
EBIT Growth		 -42.26% -89.49% 0.93% 5.48% -0.01% 764.66% 12.77% 16.89% 97.50% - 18.86%
NOPAT Growth		 -41.02% -82.70% 0.53% 5.26% -1.08% 438.00% 14.02% 18.19% 93.24% - 18.03%
Net Income Growth		 -41.02% -82.70% 0.53% 5.26% -1.08% 438.00% 14.02% 18.19% 93.24% - 18.03%
EPS Growth		 -47.30% -86.49% -1.92% 1.89% -2.56% 510.00% 13.73% 16.67% 84.21% - 18.97%
Operating Cash Flow Growth		 -45.85% -77.98% -1.43% 10.71% -91.12% 580.10% 11.06% -7.86% 1,490.17% - -29.76%
Free Cash Flow Firm Growth		 -5.96% 113.78% 65.90% 56.42% 75.92% -220.03% 51.90% 87.21% 148.12% - 209.35%
Invested Capital Growth		 19.83% -4.24% 5.37% 6.91% 4.99% 7.84% 3.59% 2.74% 0.78% - 0.53%
Revenue Q/Q Growth		 -0.90% -23.10% 32.36% 2.73% -11.41% 15.45% -1.27% 5.07% 6.38% - -0.67%
EBITDA Q/Q Growth		 -24.47% -68.55% 315.26% 4.36% -26.12% 49.60% -3.01% 9.52% 14.66% - 2.94%
EBIT Q/Q Growth		 -26.65% -81.35% 624.98% 6.36% -30.47% 61.26% -5.45% 10.25% 17.48% - -3.84%
NOPAT Q/Q Growth		 -24.37% -70.56% 344.51% 6.36% -28.92% 60.10% -5.79% 10.25% 16.21% - -2.51%
Net Income Q/Q Growth		 -24.37% -70.56% 344.51% 6.36% -28.92% 60.10% -5.79% 10.25% 16.21% - -2.51%
EPS Q/Q Growth		 -26.42% -74.36% 410.00% 5.88% -29.63% 60.53% -4.92% 8.62% 11.11% - -2.82%
Operating Cash Flow Q/Q Growth		 -8.17% -75.02% 307.85% 18.33% -92.63% 1,813.09% -33.40% -1.82% 27.12% - 5.82%
Free Cash Flow Firm Q/Q Growth		 -37.68% 132.80% -169.17% -39.50% 23.93% -63.52% 56.22% 62.91% 386.22% - -47.99%
Invested Capital Q/Q Growth		 3.37% 3.53% -1.26% 1.17% 1.51% 6.34% -3.25% 0.34% -0.42% - -1.79%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 29.94% 12.25% 38.42% 39.03% 32.55% 42.17% 41.43% 43.18% 46.54% - 46.35%
EBIT Margin		 25.49% 6.18% 33.86% 35.06% 27.52% 38.43% 36.81% 38.62% 42.65% - 39.19%
Profit (Net Income) Margin		 20.41% 7.81% 26.23% 27.16% 21.79% 30.22% 28.83% 30.25% 33.05% - 30.48%
Tax Burden Percent		 80.06% 126.37% 77.48% 77.48% 79.20% 78.63% 78.34% 78.34% 77.49% - 77.79%
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		 19.94% -26.37% 22.52% 22.52% 20.80% 21.37% 21.66% 21.66% 22.51% - 22.21%
Return on Invested Capital (ROIC)		 6.00% 1.86% 6.61% 6.88% 5.29% 7.54% 7.51% 7.94% 9.16% - 8.84%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.00% 1.86% 6.61% 6.88% 5.29% 7.54% 7.51% 7.94% 9.16% - 8.84%
Return on Net Nonoperating Assets (RNNOA)		 0.71% 0.48% 0.71% 0.69% 0.54% 1.06% 0.64% 0.55% 0.62% - 0.46%
Return on Equity (ROE)		 6.71% 2.34% 7.32% 7.57% 5.83% 8.60% 8.15% 8.49% 9.77% - 9.30%
Cash Return on Invested Capital (CROIC)		 -10.20% 9.33% 0.08% -1.30% 0.37% -0.93% 3.55% 4.65% 7.72% - 8.53%
Operating Return on Assets (OROA)		 0.96% 0.22% 1.13% 1.19% 0.89% 1.33% 1.28% 1.37% 1.59% - 1.53%
Return on Assets (ROA)		 0.77% 0.27% 0.88% 0.92% 0.71% 1.05% 1.00% 1.07% 1.23% - 1.19%
Return on Common Equity (ROCE)		 6.49% 2.27% 7.21% 7.36% 5.67% 8.37% 7.94% 8.28% 9.65% - 9.19%
Return on Equity Simple (ROE_SIMPLE)		 8.01% 0.00% 5.69% 5.72% 5.60% 0.00% 7.46% 7.56% 8.83% - 9.33%
Net Operating Profit after Tax (NOPAT)		 48 14 63 67 47 76 71 79 91 - 84
NOPAT Margin		 20.41% 7.81% 26.23% 27.16% 21.79% 30.22% 28.83% 30.25% 33.05% - 30.48%
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		 44.88% 59.95% 46.04% 45.39% 50.40% 44.41% 44.73% 43.86% 42.68% - 46.82%
Operating Expenses to Revenue		 61.60% 85.71% 60.74% 59.96% 65.84% 57.03% 56.97% 56.84% 54.49% - 56.89%
Earnings before Interest and Taxes (EBIT)		 60 11 81 86 60 96 91 101 118 - 108
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 70 22 92 96 71 106 103 112 129 - 128
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.93 1.04 0.94 0.91 1.03 1.15 0.98 1.02 1.07 - 1.04
Price to Tangible Book Value (P/TBV)		 1.38 1.51 1.36 1.31 1.47 1.61 1.36 1.41 1.46 - 1.41
Price to Revenue (P/Rev)		 3.02 3.70 3.40 3.31 3.89 4.03 3.49 3.68 3.70 - 3.48
Price to Earnings (P/E)		 11.68 18.26 16.67 16.11 18.71 15.70 13.24 13.52 12.38 - 11.17
Dividend Yield		 3.77% 3.28% 3.64% 3.70% 3.25% 2.93% 3.41% 3.25% 3.09% - 3.14%
Earnings Yield		 8.56% 5.48% 6.00% 6.21% 5.34% 6.37% 7.55% 7.40% 8.08% - 8.95%
Enterprise Value to Invested Capital (EV/IC)		 0.73 0.76 0.68 0.77 0.83 0.99 0.81 0.86 0.90 - 0.91
Enterprise Value to Revenue (EV/Rev)		 2.70 3.13 2.78 3.15 3.51 4.13 3.18 3.34 3.26 - 3.14
Enterprise Value to EBITDA (EV/EBITDA)		 6.92 10.08 8.93 10.11 11.05 10.82 8.16 8.32 7.50 - 6.94
Enterprise Value to EBIT (EV/EBIT)		 7.89 12.02 10.60 11.89 13.03 12.19 9.18 9.37 8.31 - 7.80
Enterprise Value to NOPAT (EV/NOPAT)		 10.13 14.91 13.17 14.79 16.25 15.59 11.71 11.92 10.63 - 10.06
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.96 9.51 8.45 9.34 13.87 11.25 8.51 9.27 7.23 - 9.67
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 7.98 829.61 0.00 227.81 0.00 23.36 18.86 11.70 - 10.68
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.11 0.13 0.10 0.10 0.09 0.15 0.07 0.04 0.04 - 0.03
Long-Term Debt to Equity		 0.10 0.10 0.10 0.10 0.09 0.07 0.07 0.04 0.04 - 0.03
Financial Leverage		 0.12 0.26 0.11 0.10 0.10 0.14 0.09 0.07 0.07 - 0.05
Leverage Ratio		 8.69 8.61 8.35 8.25 8.23 8.22 8.12 7.93 7.93 - 7.83
Compound Leverage Factor		 8.69 8.61 8.35 8.25 8.23 8.22 8.12 7.93 7.93 - 7.83
Debt to Total Capital		 10.21% 11.16% 8.96% 8.86% 8.50% 13.31% 6.77% 4.12% 4.14% - 3.19%
Short-Term Debt to Total Capital		 1.05% 2.31% 0.00% 0.00% 0.00% 6.89% 0.00% 0.00% 0.00% - 0.00%
Long-Term Debt to Total Capital		 9.16% 8.85% 8.96% 8.86% 8.50% 6.42% 6.77% 4.12% 4.14% - 3.19%
Preferred Equity to Total Capital		 2.55% 2.40% 2.43% 2.41% 2.37% 2.23% 2.35% 2.34% 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		 87.24% 86.44% 88.60% 88.73% 89.13% 84.46% 90.88% 93.54% 95.86% - 96.81%
Debt to EBITDA		 0.97 1.48 1.17 1.16 1.13 1.45 0.68 0.40 0.35 - 0.24
Net Debt to EBITDA		 -1.06 -2.14 -2.30 -0.85 -1.51 0.02 -1.02 -1.07 -1.02 - -0.75
Long-Term Debt to EBITDA		 0.87 1.17 1.17 1.16 1.13 0.70 0.68 0.40 0.35 - 0.24
Debt to NOPAT		 1.42 2.18 1.73 1.70 1.66 2.09 0.97 0.57 0.49 - 0.35
Net Debt to NOPAT		 -1.56 -3.17 -3.39 -1.24 -2.22 0.03 -1.46 -1.54 -1.44 - -1.09
Long-Term Debt to NOPAT		 1.27 1.73 1.73 1.70 1.66 1.01 0.97 0.57 0.49 - 0.35
Noncontrolling Interest Sharing Ratio		 3.21% 3.10% 1.57% 2.86% 2.71% 2.64% 2.60% 2.54% 1.26% - 1.23%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -539 177 -122 -171 -130 -212 -59 -22 62 - 64
Operating Cash Flow to CapEx		 581.63% 194.56% 647.77% 588.49% 83.04% 2,953.57% 2,286.85% 798.91% 2,285.46% - 1,000.59%
Free Cash Flow to Firm to Interest Expense		 -4.47 1.31 -0.89 -1.23 -0.93 -1.58 -0.48 -0.18 0.52 - 0.64
Operating Cash Flow to Interest Expense		 0.72 0.16 0.65 0.76 0.06 1.10 0.80 0.79 1.02 - 0.68
Operating Cash Flow Less CapEx to Interest Expense		 0.60 0.08 0.55 0.63 -0.01 1.06 0.76 0.70 0.98 - 0.62
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.03 0.03 0.03 0.03 0.03 0.03 0.04 0.04 - 0.04
Fixed Asset Turnover		 2.90 2.64 2.46 2.40 2.30 2.46 2.47 2.47 2.62 - 2.79
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 3,546 3,671 3,625 3,668 3,723 3,959 3,755 3,768 3,752 - 3,775
Invested Capital Turnover		 0.29 0.24 0.25 0.25 0.24 0.25 0.26 0.26 0.28 - 0.29
Increase / (Decrease) in Invested Capital		 587 -163 185 237 177 288 130 101 29 - 20
Enterprise Value (EV)		 2,583 2,796 2,474 2,827 3,098 3,936 3,059 3,258 3,374 - 3,429
Market Capitalization		 2,890 3,302 3,023 2,977 3,433 3,841 3,353 3,590 3,833 - 3,802
Book Value per Share		 $26.03 $26.67 $26.84 $27.32 $27.84 $28.03 $28.57 $29.01 $29.61 - $30.55
Tangible Book Value per Share		 $17.66 $18.35 $18.59 $19.10 $19.66 $20.01 $20.59 $20.99 $21.62 - $22.49
Total Capital		 3,546 3,671 3,625 3,668 3,723 3,959 3,755 3,768 3,752 - 3,775
Total Debt		 362 410 325 325 316 527 254 155 155 - 121
Total Long-Term Debt		 325 325 325 325 316 254 254 155 155 - 121
Net Debt		 -397 -594 -637 -238 -424 7.11 -382 -420 -458 - -373
Capital Expenditures (CapEx)		 15 11 14 18 9.32 5.01 4.31 12 5.39 - 6.92
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)		 362 410 325 325 316 527 254 155 155 - 121
Total Depreciation and Amortization (D&A)		 10 11 11 9.74 11 9.38 11 12 11 - 20
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.39 $0.10 $0.51 $0.54 $0.38 $0.61 $0.58 $0.63 $0.71 $0.70 $0.69
Adjusted Weighted Average Basic Shares Outstanding		 119.51M 117.60M 119.66M 119.73M 119.82M 119.78M 120.04M 121.38M 122.12M 121.31M 120.50M
Adjusted Diluted Earnings per Share		 $0.39 $0.10 $0.51 $0.54 $0.38 $0.61 $0.58 $0.63 $0.70 $0.71 $0.69
Adjusted Weighted Average Diluted Shares Outstanding		 119.62M 117.75M 119.74M 119.79M 119.95M 119.90M 120.20M 121.43M 122.25M 121.44M 120.72M
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		 118.98M 119.08M 119.14M 119.20M 119.29M 119.44M 121.50M 121.47M 121.56M 119.61M 119.69M
Normalized Net Operating Profit after Tax (NOPAT)		 55 12 64 68 49 78 72 83 94 - 85
Normalized NOPAT Margin		 23.54% 6.57% 26.91% 27.84% 22.58% 30.91% 29.24% 31.71% 34.02% - 30.73%
Pre Tax Income Margin		 25.49% 6.18% 33.86% 35.06% 27.52% 38.43% 36.81% 38.62% 42.65% - 39.19%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.50 0.08 0.59 0.62 0.43 0.72 0.74 0.82 0.98 - 1.07
NOPAT to Interest Expense		 0.40 0.10 0.46 0.48 0.34 0.56 0.58 0.65 0.76 - 0.83
EBIT Less CapEx to Interest Expense		 0.37 0.00 0.49 0.49 0.36 0.68 0.70 0.73 0.94 - 1.00
NOPAT Less CapEx to Interest Expense		 0.27 0.02 0.36 0.35 0.27 0.53 0.54 0.55 0.72 - 0.76
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 42.27% 59.57% 61.55% 60.89% 61.51% 46.99% 45.92% 44.37% 38.75% - 36.13%
Augmented Payout Ratio		 42.27% 59.57% 61.55% 60.89% 61.51% 46.99% 45.92% 44.37% 38.75% - 59.99%

Financials Breakdown Chart

Key Financial Trends

Below is a concise, investor-focused look at United Community Banks (NYSE: UCB) based on the quarterly statements provided. The analysis highlights notable trends in the last four years, with items grouped by potential impact on the stock: positives first, then neutral, then negatives.

  • Net interest income rose to about $237.9 million in Q4 2025, up from roughly $210.3 million in Q4 2024, signaling stronger core lending momentum.
  • Total revenue increased to about $278.4 million in Q4 2025, versus about $250.9 million a year earlier, indicating broad-based top-line growth.
  • Loans and Leases, net of allowance grew to approximately $18.96 billion in Q4 2025, suggesting ongoing loan book expansion.
  • The deposit base remains robust, with Non-Interest Bearing Deposits around $6.44 billion and Interest Bearing Deposits around $17.58 billion (total deposits near $24.0 billion), providing solid funding and liquidity.
  • Capital base remains solid, with Total Common Equity around $3.60 billion, supporting a resilient balance sheet.
  • Profitability has been persistent, with quarterly net income to common shareholders in the high $80s to low $90s million range across late 2024–2025 (evidence of continued earnings power).
  • Provision for credit losses increased modestly to about $13.66 million in Q4 2025 from roughly $11.39 million in Q4 2024, suggesting a measured approach to credit quality as the loan book evolves.
  • Total Non-Interest Expense rose modestly to around $152.0 million in Q4 2025 from about $143.1 million in Q4 2024, indicating some cost pressure but within historical ranges for a growing bank.
  • Net cash from continuing operating activities in Q4 2025 was solid at about $65.5 million, though below the Q3 2025 level, showing ongoing cash generation despite quarter-to-quarter variation.
  • Net change in cash and equivalents for Q4 2025 was negative, at about -$217.7 million, reflecting larger investing/financing activities that reduced cash despite positive earnings.
05/18/26 02:42 PM ETAI Generated. May Contain Errors.

United Community Banks Financials - Frequently Asked Questions

According to the most recent income statement we have on file, United Community Banks' financial year ends in December. Their financial year 2025 ended on December 31, 2025.

United Community Banks' net income appears to be on an upward trend, with a most recent value of $328.10 million in 2025, rising from $71.58 million in 2015. The previous period was $252.40 million in 2024. See United Community Banks' forecast for analyst expectations on what's next for the company.

Over the last 10 years, United Community Banks' total revenue changed from $329.95 million in 2015 to $1.06 billion in 2025, a change of 222.2%.

United Community Banks' total liabilities were at $24.36 billion at the end of 2025, a 0.3% increase from 2024, and a 183.4% increase since 2015.

In the past 10 years, United Community Banks' cash and equivalents has ranged from $86.91 million in 2015 to $296.16 million in 2024, and is currently $202.59 million as of their latest financial filing in 2025.


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Financial statements for NYSE:UCB last updated on 5/7/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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