United Community Banks, Inc. (UCB)
NYSE: UCB · Real-Time Price · USD
32.95
-0.15 (-0.45%)
May 29, 2026, 4:00 PM EDT - Market closed
United Community Banks Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Interest Income | 931.61 | 909.11 | 827.37 | 817.77 | 752.36 | 549.03 |
Net Interest Income Growth | 10.55% | 9.88% | 1.17% | 8.69% | 37.03% | 9.42% |
Non-Interest Income | 162.14 | 154.05 | 124.76 | 75.48 | 137.71 | 157.82 |
Non-Interest Income Growth | 34.19% | 23.48% | 65.28% | -45.19% | -12.74% | 1.09% |
Revenues Before Loan Losses | 1,094 | 1,063 | 952.12 | 893.25 | 890.06 | 706.85 |
Provision for Credit Losses | 44.24 | 48.81 | 50.95 | 89.43 | 63.91 | -37.55 |
| 1,092 | 1,063 | 952.12 | 893.25 | 826.15 | 744.4 | |
Revenue Growth (YoY) | 13.62% | 11.66% | 6.59% | 8.12% | 10.98% | 28.92% |
Compensation Expenses | 371.43 | 354.45 | 340.04 | 318.46 | 276.21 | 241.44 |
Selling, General & Admin | 146.62 | 145.06 | 136.7 | 131.58 | 111.78 | 92.06 |
Other Non-Interest Expenses | 90.09 | 92.42 | 101.42 | 121.23 | 82.16 | 63.14 |
Total Non-Interest Expense | 608.14 | 591.93 | 578.17 | 571.27 | 470.15 | 396.64 |
Pretax Income | 439.61 | 422.41 | 323.01 | 232.55 | 356 | 347.76 |
Provision for Income Taxes | 98.64 | 94.32 | 70.61 | 45 | 78.53 | 77.96 |
Net Income | 332.49 | 318.18 | 244.63 | 180.85 | 269.14 | 261.27 |
Net Income to Common | 332.49 | 318.18 | 244.63 | 180.85 | 269.14 | 261.27 |
Net Income Growth | 31.24% | 30.07% | 35.27% | -32.80% | 3.01% | 64.04% |
Shares Outstanding (Basic) | 121 | 121 | 120 | 118 | 107 | 88 |
Shares Outstanding (Diluted) | 122 | 121 | 120 | 118 | 107 | 88 |
Shares Change (YoY) | 1.29% | 1.28% | 1.83% | 10.27% | 21.20% | 5.83% |
EPS (Basic) | 2.73 | 2.62 | 2.04 | 1.54 | 2.52 | 2.97 |
EPS (Diluted) | 2.73 | 2.62 | 2.04 | 1.54 | 2.52 | 2.97 |
EPS Growth | 29.38% | 28.43% | 32.47% | -38.89% | -15.15% | 55.50% |
Shares Outstanding | 119.68 | 120.6 | 119.36 | 119.01 | 106.22 | 89.35 |
Free Cash Flow | 324.49 | 356.46 | 302.69 | 221.49 | 564.6 | 332.84 |
Free Cash Flow Growth | -8.97% | 17.76% | 36.66% | -60.77% | 69.63% | 137.37% |
Free Cash Flow Per Share | 2.67 | 2.94 | 2.52 | 1.88 | 5.29 | 3.78 |
Dividends Per Share | 0.990 | 0.980 | 0.940 | 0.920 | 0.860 | 0.780 |
Dividend Growth | 1.02% | 4.25% | 2.17% | 6.98% | 10.26% | 8.33% |
Profit Margin | 31.22% | 30.86% | 26.51% | 21.00% | 33.59% | 36.24% |
FCF Margin | 29.72% | 33.53% | 31.79% | 24.80% | 68.34% | 44.71% |
EBITDA | 54.32 | 45.95 | 40.93 | 44.96 | 46.7 | -2.06 |
EBITDA Margin | 4.97% | 4.32% | 4.30% | 5.03% | 5.65% | -0.28% |
Effective Tax Rate | 22.44% | 22.33% | 21.86% | 19.35% | 22.06% | 22.42% |