United Community Banks, Inc. (UCB)

NYSE: UCB · Real-Time Price · USD

36.03

-0.42 (-1.15%)

At close: Jul 20, 2026, 4:00 PM EDT

36.00

-0.03 (-0.08%)

Pre-market: Jul 21, 2026, 8:07 AM EDT

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	Jun '26 Jun 30, 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	946.97	909.11	827.37	817.77	752.36	549.03
Net Interest Income Growth	10.49%	9.88%	1.17%	8.69%	37.03%	9.42%
Non-Interest Income	165.81	154.05	124.76	75.48	137.71	157.82
Non-Interest Income Growth	39.36%	23.48%	65.28%	-45.19%	-12.74%	1.09%
Revenues Before Loan Losses	1,113	1,063	952.12	893.25	890.06	706.85
Provision for Credit Losses	2.62	48.81	50.95	89.43	63.91	-37.55
Revenue	1,111	1,063	952.12	893.25	826.15	744.4
Revenue Growth (YoY)	13.83%	11.66%	6.59%	8.12%	10.98%	28.92%
Compensation Expenses	380.68	354.45	340.04	318.46	276.21	241.44
Selling, General & Admin	148.66	145.06	136.7	131.58	111.78	92.06
Other Non-Interest Expenses	90.79	92.42	101.42	121.23	82.16	63.14
Total Non-Interest Expense	620.13	591.93	578.17	571.27	470.15	396.64
Pretax Income	488.27	422.41	323.01	232.55	356	347.76
Provision for Income Taxes	110.4	94.32	70.61	45	78.53	77.96
Net Income	377.88	328.1	252.4	187.54	277.47	269.8
Net Income to Common	370.65	318.18	244.63	180.85	269.14	261.27
Net Income Growth	39.66%	30.07%	35.27%	-32.80%	3.01%	64.04%
Shares Outstanding (Basic)	121	121	120	118	107	88
Shares Outstanding (Diluted)	121	121	120	118	107	88
Shares Change (YoY)	0.74%	1.28%	1.83%	10.27%	21.20%	5.83%
EPS (Basic)	3.05	2.62	2.04	1.54	2.52	2.97
EPS (Diluted)	3.05	2.62	2.04	1.54	2.52	2.97
EPS Growth	38.64%	28.43%	32.47%	-38.89%	-15.15%	55.50%
Free Cash Flow	-	356.46	302.69	221.49	564.6	332.84
Free Cash Flow Growth	-	17.76%	36.66%	-60.77%	69.63%	137.37%
Free Cash Flow Per Share	-	2.94	2.52	1.88	5.29	3.78
Dividends Per Share	-	0.980	0.940	0.920	0.860	0.780
Dividend Growth	-	4.25%	2.17%	6.98%	10.26%	8.33%
Profit Margin	34.01%	30.86%	26.51%	21.00%	33.59%	36.24%
FCF Margin	-	33.53%	31.79%	24.80%	68.34%	44.71%
Effective Tax Rate	22.61%	22.33%	21.86%	19.35%	22.06%	22.42%

SEC Filings: 10-K · 10-Q