United Community Banks, Inc. (UCB)
NYSE: UCB · Real-Time Price · USD
30.76
+0.17 (0.56%)
Mar 10, 2026, 3:13 PM EDT - Market open

United Community Banks Income Statement

Millions USD. Fiscal year is Jan - Dec.
Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Interest Income
909.11827.37817.77752.36549.03
Net Interest Income Growth
9.88%1.17%8.69%37.03%9.42%
Non-Interest Income
154.05124.7675.48137.71157.82
Non-Interest Income Growth
23.48%65.28%-45.19%-12.74%1.09%
Revenues Before Loan Losses
1,063952.12893.25890.06706.85
Provision for Credit Losses
48.8150.9589.4363.91-37.55
1,063952.12893.25826.15744.4
Revenue Growth (YoY)
11.66%6.59%8.12%10.98%28.92%
Compensation Expenses
354.45340.04318.46276.21241.44
Selling, General & Admin
145.06136.7131.58111.7892.06
Other Non-Interest Expenses
92.42101.42121.2382.1663.14
Total Non-Interest Expense
591.93578.17571.27470.15396.64
Pretax Income
422.41323.01232.55356347.76
Provision for Income Taxes
94.3270.614578.5377.96
Net Income
318.18244.63180.85269.14261.27
Net Income to Common
318.18244.63180.85269.14261.27
Net Income Growth
30.07%35.27%-32.80%3.01%64.04%
Shares Outstanding (Basic)
12112011810788
Shares Outstanding (Diluted)
12112011810788
Shares Change (YoY)
1.28%1.83%10.27%21.20%5.83%
EPS (Basic)
2.622.041.542.522.97
EPS (Diluted)
2.622.041.542.522.97
EPS Growth
28.43%32.47%-38.89%-15.15%55.50%
Free Cash Flow
356.46302.69221.49564.6332.84
Free Cash Flow Growth
17.76%36.66%-60.77%69.63%137.37%
Free Cash Flow Per Share
2.942.521.885.293.78
Dividends Per Share
0.9800.9400.9200.8600.780
Dividend Growth
4.25%2.17%6.98%10.26%8.33%
Profit Margin
30.86%26.51%21.00%33.59%36.24%
FCF Margin
33.53%31.79%24.80%68.34%44.71%
EBITDA
45.9540.9344.9646.7-2.06
EBITDA Margin
4.32%4.30%5.03%5.65%-0.28%
Effective Tax Rate
22.33%21.86%19.35%22.06%22.42%
Updated Jan 14, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.
SEC Filings: 10-K · 10-Q