United Community Banks (UCB) Financials

$35.64 0.00 (0.00%)

Closing price 09/4/2026 03:58 PM Eastern

Extended Trading

$35.55 -0.09 (-0.25%)

As of 05:59 AM Eastern

Annual Income Statements for United Community Banks

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

Metric	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

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 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	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	6/30/2026
Net Income / (Loss) Attributable to Common Shareholders	13	61	67	47	74	71	79	91	88	84	115
Consolidated Net Income / (Loss)	14	63	67	47	76	71	79	91	86	84	116
Net Income / (Loss) Continuing Operations	14	63	67	47	76	71	79	91	86	84	116
Total Pre-Tax Income	11	81	86	60	96	91	101	118	113	108	149
Total Revenue	180	239	245	217	251	248	260	277	278	277	279
Net Interest Income / (Expense)	203	199	209	209	210	212	226	234	238	233	241
Total Interest Income	339	337	347	349	345	335	347	354	346	334	344
Loans and Leases Interest Income	282	284	292	292	280	274	288	298	293	286	296
Investment Securities Interest Income	44	46	50	53	57	59	56	53	49	46	46
Other Interest Income	-	-	-	-	-	2.45	3.22	-	-	1.76	2.44
Total Interest Expense	135	138	138	140	135	123	122	120	108	101	103
Deposits Interest Expense	132	134	134	136	131	119	119	118	107	98	98
Short-Term Borrowings Interest Expense	0.01	0.00	0.06	0.03	0.04	1.54	0.08	0.03	0.02	1.97	4.57
Long-Term Debt Interest Expense	3.47	3.80	3.74	3.72	3.46	2.86	2.62	1.72	1.22	1.20	0.80
Total Non-Interest Income	-23	40	37	8.09	41	36	35	43	40	44	38
Other Service Charges	20	32	29	27	38	30	28	36	33	37	33
Net Realized & Unrealized Capital Gains on Investments	-49	1.54	1.30	-26	-1.73	1.40	2.28	2.43	2.16	2.03	0.95
Investment Banking Income	5.97	6.31	6.39	6.34	4.66	4.47	4.40	4.76	5.25	4.63	4.93
Provision for Credit Losses	15	13	12	14	11	15	12	7.91	14	11	-30
Total Non-Interest Expense	155	145	147	143	143	141	148	151	152	157	160
Salaries and Employee Benefits	82	85	86	84	86	84	87	91	93	101	96
Net Occupancy & Equipment Expense	23	23	23	24	24	25	24	25	26	26	25
Marketing Expense	2.56	1.90	2.46	2.04	2.15	1.88	2.88	2.05	2.79	2.40	2.71
Property & Liability Insurance Claims	15	7.57	4.47	5.00	3.94	4.64	4.75	4.85	4.75	2.27	4.33
Other Operating Expenses	22	22	25	23	22	21	21	21	22	22	28
Amortization Expense	4.06	3.89	3.79	3.53	3.39	3.29	3.29	3.31	3.19	3.06	2.94
Restructuring Charge	5.77	2.09	2.16	2.18	2.20	1.30	4.83	3.47	0.61	0.87	0.90
Income Tax Expense	-2.94	18	19	12	21	20	22	27	26	24	34
Basic Earnings per Share	$0.10	$0.51	$0.54	$0.38	$0.61	$0.58	$0.63	$0.71	$0.70	$0.69	$0.95
Weighted Average Basic Shares Outstanding	117.60M	119.66M	119.73M	119.82M	119.78M	120.04M	121.38M	122.12M	121.31M	120.50M	120.30M
Diluted Earnings per Share	$0.10	$0.51	$0.54	$0.38	$0.61	$0.58	$0.63	$0.70	$0.71	$0.69	$0.95
Weighted Average Diluted Shares Outstanding	117.75M	119.74M	119.79M	119.95M	119.90M	120.20M	121.43M	122.25M	121.44M	120.72M	120.44M
Weighted Average Basic & Diluted Shares Outstanding	119.08M	119.14M	119.20M	119.29M	119.44M	121.50M	121.47M	121.56M	119.61M	119.69M	120.58M

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

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 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	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	6/30/2026
Net Change in Cash & Equivalents	244	-42	-399	177	-220	117	-62	38	-218	97	-38
Net Cash From Operating Activities	22	89	105	7.74	148	99	97	123	65	69	131
Net Cash From Continuing Operating Activities	22	89	105	7.74	153	99	97	123	65	69	131
Net Income / (Loss) Continuing Operations	14	63	67	47	76	71	79	91	86	84	116
Consolidated Net Income / (Loss)	14	63	67	47	76	71	79	91	86	84	116
Provision For Loan Losses	15	13	12	14	11	15	12	7.91	14	11	-30
Depreciation Expense	11	11	9.74	11	9.38	11	12	11	12	20	19
Non-Cash Adjustments to Reconcile Net Income	43	4.93	4.14	30	12	1.09	3.99	-0.90	9.86	7.37	15
Changes in Operating Assets and Liabilities, net	-61	-2.53	12	-95	45	-0.74	-9.58	14	-56	-53	11
Net Cash From Investing Activities	-161	-123	-125	-63	-681	-57	160	-20	-50	-46	-897
Net Cash From Continuing Investing Activities	-161	-123	-125	-63	-681	-57	160	-20	-50	-46	-897
Purchase of Property, Leasehold Improvements and Equipment	-13	-14	-18	-9.94	-5.54	-4.31	-12	-5.39	-5.76	-6.92	-9.21
Purchase of Investment Securities	-1,360	-375	-358	-439	-793	-324	109	-107	-1,098	-317	-1,165
Sale and/or Maturity of Investments	1,207	258	249	382	130	267	58	85	1,052	276	276
Other Investing Activities, net	3.23	8.16	1.63	3.14	-	4.26	4.67	7.80	2.16	2.85	1.33
Net Cash From Financing Activities	384	-8.24	-379	233	312	75	-318	-65	-233	74	728
Net Cash From Continuing Financing Activities	384	-8.24	-379	233	310	75	-318	-65	-233	74	728
Net Change in Deposits	452	21	-350	271	208	301	-174	58	-221	227	-301
Issuance of Debt	-	0.10	-	1.00	-	126	-	-	-	475	1,640
Repayment of Debt	-37	-0.10	-	-9.56	135	-321	-100	-	50	-560	-580
Payment of Dividends	-29	-29	-29	-29	-31	-31	-31	-31	-31	-31	-30
Other Financing Activities, Net	5.12	0.04	0.07	-0.34	-2.64	-0.98	0.18	0.02	-0.45	-0.28	-0.38

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	6,028
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
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

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	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026	Q2 2026
Period end date	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	6/30/2026
Total Assets	25,872	26,120	26,869	27,365	27,057	27,373	27,874	28,086	28,143	28,177	29,051
Cash and Due from Banks	276	267	193	204	198	203	198	202	205	177	129
Interest Bearing Deposits at Other Banks	502	444	567	758	365	537	438	359	408	316	326
Trading Account Securities	5,915	5,914	5,701	5,859	6,038	6,425	6,661	6,382	6,163	5,889	6,430
Loans and Leases, Net of Allowance	16,948	17,204	18,001	18,164	17,998	17,759	18,213	18,704	18,959	19,393	17,855
Loans and Leases	17,125	17,395	18,203	18,375	18,211	17,964	18,425	18,921	19,175	19,602	18,024
Allowance for Loan and Lease Losses	177	191	202	211	213	205	212	217	216	208	169
Premises and Equipment, Net	337	353	371	386	395	397	391	396	395	392	394
Intangible Assets	961	958	994	988	979	975	953	974	971	965	962
Other Assets	913	953	1,005	969	1,035	1,027	981	1,016	1,007	1,003	2,954
Total Liabilities & Shareholders' Equity	25,872	26,120	26,869	27,365	27,057	27,373	27,874	28,086	28,143	28,177	29,051
Total Liabilities	22,794	23,015	23,685	24,065	23,715	23,966	24,373	24,473	24,547	24,522	25,306
Non-Interest Bearing Deposits	7,540	6,971	6,782	6,410	6,291	6,223	6,257	6,382	6,444	6,473	6,450
Interest Bearing Deposits	14,464	15,281	16,076	16,922	16,691	17,031	17,505	17,581	17,577	17,552	17,275
Short-Term Debt	7.22	0.00	37	-	-	-	0.00	0.00	0.00	0.00	360
Long-Term Debt	355	325	325	325	325	316	254	155	155	121	821
Other Long-Term Liabilities	427	438	465	408	408	397	356	354	371	376	401
Total Equity & Noncontrolling Interests	3,078	3,106	3,184	3,300	3,343	3,407	3,501	3,613	3,597	3,655	3,745
Total Preferred & Common Equity	3,078	3,106	3,184	3,300	3,343	3,407	3,501	3,613	3,597	3,655	3,745
Total Common Equity	3,066	3,009	3,094	3,212	3,254	3,318	3,413	3,525	3,597	3,655	3,745
Common Stock	2,722	2,738	2,829	2,834	2,837	2,839	2,844	2,899	2,902	2,841	2,844
Retained Earnings	543	577	597	615	652	669	755	803	858	968	1,053
Accumulated Other Comprehensive Income / (Loss)	-294	-306	-333	-237	-235	-190	-187	-177	-164	-154	-153

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	-	-	-	-	-	-	-	-	-	-	-

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

Metric	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	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	6/30/2026
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	119,613,176.00	119,686,643.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	119,613,176.00	119,686,643.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	0.70	0.97
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-25.85%	-1.22%	3.63%	-7.36%	39.08%	3.75%	6.11%	27.42%	-	11.64%	7.32%
EBITDA Growth	-81.29%	-0.54%	2.94%	0.70%	379.00%	11.88%	17.41%	82.22%	-	24.92%	49.75%
EBIT Growth	-89.49%	0.93%	5.48%	-0.01%	764.66%	12.77%	16.89%	97.50%	-	18.86%	48.42%
NOPAT Growth	-82.70%	0.53%	5.26%	-1.08%	438.00%	14.02%	18.19%	93.24%	-	18.03%	46.87%
Net Income Growth	-82.70%	0.53%	5.26%	-1.08%	438.00%	14.02%	18.19%	93.24%	-	18.03%	46.87%
EPS Growth	-86.49%	-1.92%	1.89%	-2.56%	510.00%	13.73%	16.67%	84.21%	-	18.97%	50.79%
Operating Cash Flow Growth	-77.98%	-1.43%	10.71%	-91.12%	580.10%	11.06%	-7.86%	1,490.17%	-	-29.76%	34.90%
Free Cash Flow Firm Growth	113.78%	65.90%	56.42%	75.92%	-220.03%	51.90%	87.21%	148.12%	-	209.35%	-4,676.30%
Invested Capital Growth	-4.24%	5.37%	6.91%	4.99%	7.84%	3.59%	2.74%	0.78%	-	0.53%	30.72%
Revenue Q/Q Growth	-23.10%	32.36%	2.73%	-11.41%	15.45%	-1.27%	5.07%	6.38%	-	-0.67%	1.00%
EBITDA Q/Q Growth	-68.55%	315.26%	4.36%	-26.12%	49.60%	-3.01%	9.52%	14.66%	-	2.94%	31.29%
EBIT Q/Q Growth	-81.35%	624.98%	6.36%	-30.47%	61.26%	-5.45%	10.25%	17.48%	-	-3.84%	37.67%
NOPAT Q/Q Growth	-70.56%	344.51%	6.36%	-28.92%	60.10%	-5.79%	10.25%	16.21%	-	-2.51%	37.19%
Net Income Q/Q Growth	-70.56%	344.51%	6.36%	-28.92%	60.10%	-5.79%	10.25%	16.21%	-	-2.51%	37.19%
EPS Q/Q Growth	-74.36%	410.00%	5.88%	-29.63%	60.53%	-4.92%	8.62%	11.11%	-	-2.82%	37.68%
Operating Cash Flow Q/Q Growth	-75.02%	307.85%	18.33%	-92.63%	1,813.09%	-33.40%	-1.82%	27.12%	-	5.82%	88.55%
Free Cash Flow Firm Q/Q Growth	132.80%	-169.17%	-39.50%	23.93%	-63.52%	56.22%	62.91%	386.22%	-	-47.99%	-1,720.22%
Invested Capital Q/Q Growth	3.53%	-1.26%	1.17%	1.51%	6.34%	-3.25%	0.34%	-0.42%	-	-1.79%	30.47%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	12.25%	38.42%	39.03%	32.55%	42.17%	41.43%	43.18%	46.54%	-	46.35%	60.26%
EBIT Margin	6.18%	33.86%	35.06%	27.52%	38.43%	36.81%	38.62%	42.65%	-	39.19%	53.41%
Profit (Net Income) Margin	7.81%	26.23%	27.16%	21.79%	30.22%	28.83%	30.25%	33.05%	-	30.48%	41.41%
Tax Burden Percent	126.37%	77.48%	77.48%	79.20%	78.63%	78.34%	78.34%	77.49%	-	77.79%	77.52%
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	-26.37%	22.52%	22.52%	20.80%	21.37%	21.66%	21.66%	22.51%	-	22.21%	22.48%
Return on Invested Capital (ROIC)	1.86%	6.61%	6.88%	5.29%	7.54%	7.51%	7.94%	9.16%	-	8.84%	10.58%
ROIC Less NNEP Spread (ROIC-NNEP)	1.86%	6.61%	6.88%	5.29%	7.54%	7.51%	7.94%	9.16%	-	8.84%	10.58%
Return on Net Nonoperating Assets (RNNOA)	0.48%	0.71%	0.69%	0.54%	1.06%	0.64%	0.55%	0.62%	-	0.46%	1.92%
Return on Equity (ROE)	2.34%	7.32%	7.57%	5.83%	8.60%	8.15%	8.49%	9.77%	-	9.30%	12.50%
Cash Return on Invested Capital (CROIC)	9.33%	0.08%	-1.30%	0.37%	-0.93%	3.55%	4.65%	7.72%	-	8.53%	-17.94%
Operating Return on Assets (OROA)	0.22%	1.13%	1.19%	0.89%	1.33%	1.28%	1.37%	1.59%	-	1.53%	2.08%
Return on Assets (ROA)	0.27%	0.88%	0.92%	0.71%	1.05%	1.00%	1.07%	1.23%	-	1.19%	1.61%
Return on Common Equity (ROCE)	2.27%	7.21%	7.36%	5.67%	8.37%	7.94%	8.28%	9.65%	-	9.19%	12.35%
Return on Equity Simple (ROE_SIMPLE)	0.00%	5.69%	5.72%	5.60%	0.00%	7.46%	7.56%	8.83%	-	9.33%	10.09%
Net Operating Profit after Tax (NOPAT)	14	63	67	47	76	71	79	91	-	84	116
NOPAT Margin	7.81%	26.23%	27.16%	21.79%	30.22%	28.83%	30.25%	33.05%	-	30.48%	41.41%
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	59.95%	46.04%	45.39%	50.40%	44.41%	44.73%	43.86%	42.68%	-	46.82%	44.37%
Operating Expenses to Revenue	85.71%	60.74%	59.96%	65.84%	57.03%	56.97%	56.84%	54.49%	-	56.89%	57.26%
Earnings before Interest and Taxes (EBIT)	11	81	86	60	96	91	101	118	-	108	149
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	22	92	96	71	106	103	112	129	-	128	168
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.04	0.94	0.91	1.03	1.15	0.98	1.02	1.07	-	1.04	1.13
Price to Tangible Book Value (P/TBV)	1.51	1.36	1.31	1.47	1.61	1.36	1.41	1.46	-	1.41	1.52
Price to Revenue (P/Rev)	3.70	3.40	3.31	3.89	4.03	3.49	3.68	3.70	-	3.48	3.80
Price to Earnings (P/E)	18.26	16.67	16.11	18.71	15.70	13.24	13.52	12.38	-	11.17	11.22
Dividend Yield	3.28%	3.64%	3.70%	3.25%	2.93%	3.41%	3.25%	3.09%	-	3.14%	2.85%
Earnings Yield	5.48%	6.00%	6.21%	5.34%	6.37%	7.55%	7.40%	8.08%	-	8.95%	8.91%
Enterprise Value to Invested Capital (EV/IC)	0.76	0.68	0.77	0.83	0.99	0.81	0.86	0.90	-	0.91	1.01
Enterprise Value to Revenue (EV/Rev)	3.13	2.78	3.15	3.51	4.13	3.18	3.34	3.26	-	3.14	4.46
Enterprise Value to EBITDA (EV/EBITDA)	10.08	8.93	10.11	11.05	10.82	8.16	8.32	7.50	-	6.94	9.01
Enterprise Value to EBIT (EV/EBIT)	12.02	10.60	11.89	13.03	12.19	9.18	9.37	8.31	-	7.80	10.14
Enterprise Value to NOPAT (EV/NOPAT)	14.91	13.17	14.79	16.25	15.59	11.71	11.92	10.63	-	10.06	13.10
Enterprise Value to Operating Cash Flow (EV/OCF)	9.51	8.45	9.34	13.87	11.25	8.51	9.27	7.23	-	9.67	12.75
Enterprise Value to Free Cash Flow (EV/FCFF)	7.98	829.61	0.00	227.81	0.00	23.36	18.86	11.70	-	10.68	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.13	0.10	0.10	0.09	0.15	0.07	0.04	0.04	-	0.03	0.32
Long-Term Debt to Equity	0.10	0.10	0.10	0.09	0.07	0.07	0.04	0.04	-	0.03	0.22
Financial Leverage	0.26	0.11	0.10	0.10	0.14	0.09	0.07	0.07	-	0.05	0.18
Leverage Ratio	8.61	8.35	8.25	8.23	8.22	8.12	7.93	7.93	-	7.83	7.77
Compound Leverage Factor	8.61	8.35	8.25	8.23	8.22	8.12	7.93	7.93	-	7.83	7.77
Debt to Total Capital	11.16%	8.96%	8.86%	8.50%	13.31%	6.77%	4.12%	4.14%	-	3.19%	23.97%
Short-Term Debt to Total Capital	2.31%	0.00%	0.00%	0.00%	6.89%	0.00%	0.00%	0.00%	-	0.00%	7.31%
Long-Term Debt to Total Capital	8.85%	8.96%	8.86%	8.50%	6.42%	6.77%	4.12%	4.14%	-	3.19%	16.66%
Preferred Equity to Total Capital	2.40%	2.43%	2.41%	2.37%	2.23%	2.35%	2.34%	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	86.44%	88.60%	88.73%	89.13%	84.46%	90.88%	93.54%	95.86%	-	96.81%	76.03%
Debt to EBITDA	1.48	1.17	1.16	1.13	1.45	0.68	0.40	0.35	-	0.24	2.15
Net Debt to EBITDA	-2.14	-2.30	-0.85	-1.51	0.02	-1.02	-1.07	-1.02	-	-0.75	1.32
Long-Term Debt to EBITDA	1.17	1.17	1.16	1.13	0.70	0.68	0.40	0.35	-	0.24	1.49
Debt to NOPAT	2.18	1.73	1.70	1.66	2.09	0.97	0.57	0.49	-	0.35	3.12
Net Debt to NOPAT	-3.17	-3.39	-1.24	-2.22	0.03	-1.46	-1.54	-1.44	-	-1.09	1.92
Long-Term Debt to NOPAT	1.73	1.73	1.70	1.66	1.01	0.97	0.57	0.49	-	0.35	2.17
Noncontrolling Interest Sharing Ratio	3.10%	1.57%	2.86%	2.71%	2.64%	2.60%	2.54%	1.26%	-	1.23%	1.20%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	177	-122	-171	-130	-212	-59	-22	62	-	64	-1,042
Operating Cash Flow to CapEx	194.56%	647.77%	588.49%	83.04%	2,953.57%	2,286.85%	798.91%	2,285.46%	-	1,000.59%	1,417.71%
Free Cash Flow to Firm to Interest Expense	1.31	-0.89	-1.23	-0.93	-1.58	-0.48	-0.18	0.52	-	0.64	-10.07
Operating Cash Flow to Interest Expense	0.16	0.65	0.76	0.06	1.10	0.80	0.79	1.02	-	0.68	1.26
Operating Cash Flow Less CapEx to Interest Expense	0.08	0.55	0.63	-0.01	1.06	0.76	0.70	0.98	-	0.62	1.17
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.03	0.03	0.03	0.03	0.03	0.04	0.04	-	0.04	0.04
Fixed Asset Turnover	2.64	2.46	2.40	2.30	2.46	2.47	2.47	2.62	-	2.79	2.81
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	3,671	3,625	3,668	3,723	3,959	3,755	3,768	3,752	-	3,775	4,926
Invested Capital Turnover	0.24	0.25	0.25	0.24	0.25	0.26	0.26	0.28	-	0.29	0.26
Increase / (Decrease) in Invested Capital	-163	185	237	177	288	130	101	29	-	20	1,158
Enterprise Value (EV)	2,796	2,474	2,827	3,098	3,936	3,059	3,258	3,374	-	3,429	4,952
Market Capitalization	3,302	3,023	2,977	3,433	3,841	3,353	3,590	3,833	-	3,802	4,226
Book Value per Share	$26.67	$26.84	$27.32	$27.84	$28.03	$28.57	$29.01	$29.61	-	$30.55	$31.29
Tangible Book Value per Share	$18.35	$18.59	$19.10	$19.66	$20.01	$20.59	$20.99	$21.62	-	$22.49	$23.25
Total Capital	3,671	3,625	3,668	3,723	3,959	3,755	3,768	3,752	-	3,775	4,926
Total Debt	410	325	325	316	527	254	155	155	-	121	1,181
Total Long-Term Debt	325	325	325	316	254	254	155	155	-	121	821
Net Debt	-594	-637	-238	-424	7.11	-382	-420	-458	-	-373	726
Capital Expenditures (CapEx)	11	14	18	9.32	5.01	4.31	12	5.39	-	6.92	9.21
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)	410	325	325	316	527	254	155	155	-	121	1,181
Total Depreciation and Amortization (D&A)	11	11	9.74	11	9.38	11	12	11	-	20	19
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.10	$0.51	$0.54	$0.38	$0.61	$0.58	$0.63	$0.71	$0.70	$0.69	$0.95
Adjusted Weighted Average Basic Shares Outstanding	117.60M	119.66M	119.73M	119.82M	119.78M	120.04M	121.38M	122.12M	121.31M	120.50M	120.30M
Adjusted Diluted Earnings per Share	$0.10	$0.51	$0.54	$0.38	$0.61	$0.58	$0.63	$0.70	$0.71	$0.69	$0.95
Adjusted Weighted Average Diluted Shares Outstanding	117.75M	119.74M	119.79M	119.95M	119.90M	120.20M	121.43M	122.25M	121.44M	120.72M	120.44M
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	119.08M	119.14M	119.20M	119.29M	119.44M	121.50M	121.47M	121.56M	119.61M	119.69M	120.58M
Normalized Net Operating Profit after Tax (NOPAT)	12	64	68	49	78	72	83	94	-	85	116
Normalized NOPAT Margin	6.57%	26.91%	27.84%	22.58%	30.91%	29.24%	31.71%	34.02%	-	30.73%	41.65%
Pre Tax Income Margin	6.18%	33.86%	35.06%	27.52%	38.43%	36.81%	38.62%	42.65%	-	39.19%	53.41%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.08	0.59	0.62	0.43	0.72	0.74	0.82	0.98	-	1.07	1.44
NOPAT to Interest Expense	0.10	0.46	0.48	0.34	0.56	0.58	0.65	0.76	-	0.83	1.12
EBIT Less CapEx to Interest Expense	0.00	0.49	0.49	0.36	0.68	0.70	0.73	0.94	-	1.00	1.35
NOPAT Less CapEx to Interest Expense	0.02	0.36	0.35	0.27	0.53	0.54	0.55	0.72	-	0.76	1.03
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	59.57%	61.55%	60.89%	61.51%	46.99%	45.92%	44.37%	38.75%	-	36.13%	32.53%
Augmented Payout Ratio	59.57%	61.55%	60.89%	61.51%	46.99%	45.92%	44.37%	38.75%	-	59.99%	50.37%

Financials Breakdown Chart

Key Financial Trends

United Community Banks (NYSE: UCB) showed significant earnings improvement in Q2 2026. Net income rose to $115.6 million, up from $84.3 million in Q1 2026 and $78.7 million in the restated Q2 2025 results. Earnings per share increased to $0.95 from $0.69 and $0.63, respectively. The latest quarter was also considerably stronger than the $47.9 million of net income reported in Q3 2023.

Revenue growth was broad-based. Net interest income increased to $240.9 million in Q2 2026, compared with $232.8 million in Q1 and $225.5 million in Q2 2025. Non-interest income was $38.4 million, down sequentially from $43.7 million but still above the $34.7 million reported a year earlier. The bank also benefited from a $29.8 million credit-loss provision release in Q2, compared with provisions of $10.9 million in Q1 and $11.8 million in Q2 2025.

The balance sheet has expanded over the longer term. Total assets increased from $24.2 billion in Q2 2022 to $29.1 billion in Q2 2026, while net loans grew from $14.4 billion to $17.9 billion. Total equity rose from $2.7 billion to $3.7 billion over the same period. However, Q2’s balance-sheet growth was driven primarily by trading account securities, which increased to $6.4 billion from $5.9 billion in Q1, while net loans declined from $19.4 billion.

Cash flow from operations remained positive at $130.6 million, an improvement from $69.3 million in Q1 2026 and $96.8 million in Q2 2025. Nevertheless, investment activity consumed $897.0 million, largely because UCB purchased $1.2 billion of investment securities. Financing activities provided $728.4 million, including $1.64 billion of debt issuance, allowing the company to fund much of its investment activity even as deposits declined.

Strong earnings momentum: Q2 2026 net income rose 37% sequentially and 47% year over year, while diluted EPS reached $0.95.
Improved net interest income: Net interest income increased to $240.9 million, continuing the recovery from the $199.8 million reported in Q3 2022.
Long-term balance-sheet growth: Since Q2 2022, total assets, net loans and total equity have increased by approximately 20%, 24% and 41%, respectively.
Positive operating cash flow: Operating cash flow has remained positive in every reported quarter provided, reaching $130.6 million in Q2 2026.
Improving capital position: Total equity reached $3.7 billion, and accumulated other comprehensive losses have narrowed substantially from $337.1 million in Q3 2022 to $152.7 million.
Investment portfolio expansion: Trading account securities increased to $6.4 billion in Q2 2026. This may support future interest income, although it also increases exposure to market values and interest-rate movements.
Share count has stabilized: Weighted average diluted shares declined to 120.4 million in Q2 2026 from 122.3 million in Q3 2025, although the reduction has been modest over the latest year.
Reliance on a credit-loss release: The Q2 earnings surge was helped by a $29.8 million provision release. That benefit may not recur, and future quarters could require additional credit provisions.
Loan balances declined sequentially: Net loans fell approximately 7.9% from Q1 2026 to Q2 2026, while the allowance for loan losses declined to $168.7 million from $208.4 million.
Funding and liquidity pressure: Deposits declined by approximately $300.9 million in Q2, while short-term and long-term debt rose sharply. The $38.0 million decline in cash and equivalents and reliance on $1.64 billion of new debt issuance warrant monitoring.

09/08/26 03:21 AM 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 where experts think United Community Banks is headed by visiting United Community Banks' forecast page.

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 8/5/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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United Community Banks (UCB) Financials

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United Community Banks (UCB) Financials

Annual Income Statements for United Community Banks

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Quarterly Cash Flow Statements for United Community Banks

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United Community Banks Financials - Frequently Asked Questions

When does United Community Banks' fiscal year end?

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

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

How much debt does United Community Banks have?

How much cash does United Community Banks have?

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