United Community Banks, Inc. (UCB)

United Community Banks Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Interest Income	857.07	827.37	817.77	752.36	549.03	501.76
Net Interest Income Growth	5.31%	1.17%	8.69%	37.03%	9.42%	6.89%
Non-Interest Income	118.98	124.76	75.48	137.71	157.82	156.11
Non-Interest Income Growth	39.92%	65.28%	-45.19%	-12.74%	1.09%	49.08%
Revenues Before Loan Losses	976.05	952.12	893.25	890.06	706.85	657.87
Provision for Credit Losses	53.05	50.95	89.43	63.91	-37.55	80.43
Revenue	922.99	901.17	803.82	826.15	744.4	577.43
Revenue Growth (YoY)	11.36%	12.11%	-2.70%	10.98%	28.92%	2.94%
Compensation Expenses	340.5	340.04	318.46	276.21	241.44	224.06
Selling, General & Admin	162.76	158.78	152.88	133.71	112.4	111.46
Other Non-Interest Expenses	71.88	79.34	99.93	60.23	42.8	32.47
Total Non-Interest Expense	575.14	578.17	571.27	470.15	396.64	367.99
Pretax Income	347.86	323.01	232.55	356	347.76	209.45
Provision for Income Taxes	74.56	70.61	45	78.53	77.96	45.36
Net Income	265.39	244.63	180.85	269.14	261.27	159.27
Net Income to Common	265.39	244.63	180.85	269.14	261.27	159.27
Net Income Growth	43.64%	35.27%	-32.80%	3.01%	64.04%	-13.60%
Shares Outstanding (Basic)	120	120	118	107	88	83
Shares Outstanding (Diluted)	120	120	118	107	88	83
Shares Change (YoY)	0.58%	1.83%	10.27%	21.20%	5.83%	4.44%
EPS (Basic)	2.20	2.04	1.54	2.52	2.97	1.91
EPS (Diluted)	2.20	2.04	1.54	2.52	2.97	1.91
EPS Growth	42.86%	32.47%	-38.89%	-15.15%	55.50%	-17.32%
Free Cash Flow	319.39	302.69	221.49	564.6	332.84	140.22
Free Cash Flow Growth	5.52%	36.66%	-60.77%	69.63%	137.37%	5.44%
Free Cash Flow Per Share	2.65	2.52	1.88	5.29	3.78	1.68
Dividends Per Share	0.960	0.940	0.920	0.860	0.780	0.720
Dividend Growth	2.13%	2.17%	6.98%	10.26%	8.33%	5.88%
Profit Margin	29.61%	28.01%	23.33%	33.59%	36.24%	28.42%
FCF Margin	34.60%	33.59%	27.55%	68.34%	44.71%	24.28%
EBITDA	43.64	40.93	44.96	46.7	-2.06	-8.59
EBITDA Margin	4.73%	4.54%	5.59%	5.65%	-0.28%	-1.49%
Effective Tax Rate	21.43%	21.86%	19.35%	22.06%	22.42%	21.66%

Updated Jul 23, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q