United Community Banks, Inc. (UCB)
NYSE: UCB · Real-Time Price · USD
36.99
+0.03 (0.08%)
Nov 6, 2026, 4:00 PM EST - 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 | Sep '26 Sep 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 |
Interest Income on Loans | 1,176 | 1,153 | 1,147 | 1,043 | 673.4 | 505.73 |
Interest Income on Investments | 211.14 | 229.66 | 230.26 | 194.5 | 139.75 | 73.06 |
Total Interest Income | 1,387 | 1,383 | 1,378 | 1,237 | 813.16 | 578.79 |
Interest Paid on Deposits | 406.94 | 463.75 | 535.52 | 395.57 | 42.1 | 14.85 |
Interest Paid on Borrowings | 17.53 | 10.08 | 14.85 | 23.77 | 18.7 | 14.92 |
Total Interest Expense | 424.46 | 473.83 | 550.37 | 419.34 | 60.8 | 29.76 |
Net Interest Income | 962.8 | 909.11 | 827.37 | 817.77 | 752.36 | 549.03 |
Net Interest Income Growth | 9.22% | 9.88% | 1.17% | 8.69% | 37.03% | 9.42% |
Trust Income | 19.71 | 18.87 | 23.7 | 23.74 | 23.59 | 19 |
Mortgage Banking Activities | 32.01 | 25.07 | 27.57 | 19.22 | 32.52 | 58.45 |
Gain (Loss) on Sale of Investments | -365.96 | 0.35 | -3.32 | -53.33 | -3.87 | 0.08 |
Other Non-Interest Income | 105.45 | 101.83 | 98.09 | 76.71 | 74.73 | 69.02 |
Total Non-Interest Income | -140.58 | 154.05 | 124.76 | 75.48 | 137.71 | 157.82 |
Non-Interest Income Growth | - | 23.48% | 65.28% | -45.19% | -12.74% | 1.09% |
Revenues Before Loan Losses | 822.21 | 1,063 | 952.12 | 893.25 | 890.06 | 706.85 |
Provision for Loan Losses | 4.73 | 48.81 | 50.95 | 89.43 | 63.91 | -37.55 |
| 817.49 | 1,014 | 901.17 | 803.82 | 826.15 | 744.4 | |
Revenue Growth | -17.35% | 12.56% | 12.11% | -2.70% | 10.98% | 28.92% |
Salaries and Employee Benefits | 375.05 | 343.05 | 329.24 | 309.53 | 267.5 | 235.38 |
Federal Deposit Insurance | 16.25 | 18.99 | 20.98 | 27.45 | 9.89 | 7.4 |
Amortization of Goodwill & Intangibles | 12.54 | 13.08 | 14.6 | 15.18 | 6.83 | 4.05 |
Selling, General & Administrative | 175.82 | 169.91 | 161.21 | 152.09 | 133.07 | 107.6 |
Other Non-Interest Expense | 42.16 | 35.9 | 37.68 | 39.1 | 32.95 | 27.76 |
Total Non-Interest Expense | 622.62 | 581.73 | 564.44 | 544.06 | 450.77 | 382.67 |
EBT Excluding Unusual Items | 194.86 | 432.62 | 336.73 | 259.76 | 375.38 | 361.73 |
Pretax Income | 185.98 | 422.41 | 323.01 | 232.55 | 356 | 347.76 |
Income Tax Expense | 39.34 | 94.32 | 70.61 | 45 | 78.53 | 77.96 |
Net Income | 146.64 | 328.1 | 252.4 | 187.54 | 277.47 | 269.8 |
Preferred Dividends & Other Adjustments | 1.2 | 9.91 | 7.77 | 6.7 | 8.34 | 8.53 |
Net Income to Common | 145.44 | 318.18 | 244.63 | 180.85 | 269.14 | 261.27 |
Net Income Growth | -52.48% | 30.07% | 35.27% | -32.80% | 3.01% | 64.04% |
Basic Shares Outstanding | 121 | 121 | 120 | 118 | 107 | 88 |
Diluted Shares Outstanding | 121 | 121 | 120 | 118 | 107 | 88 |
Shares Change | -0.05% | 1.28% | 1.83% | 10.27% | 21.20% | 5.83% |
EPS (Basic) | 1.20 | 2.62 | 2.04 | 1.54 | 2.52 | 2.97 |
EPS (Diluted) | 1.20 | 2.62 | 2.04 | 1.54 | 2.52 | 2.97 |
EPS Growth | -52.23% | 28.43% | 32.66% | -38.98% | -15.15% | 55.50% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Dividend Per Share | 1.010 | 0.980 | 0.940 | 0.920 | 0.860 | 0.780 |
Dividend Growth | 4.12% | 4.25% | 2.17% | 6.98% | 10.26% | 8.33% |
Effective Tax Rate | 21.15% | 22.33% | 21.86% | 19.35% | 22.06% | 22.42% |