United Community Banks Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	909.11	827.37	817.77	752.36	549.03
Net Interest Income Growth	9.88%	1.17%	8.69%	37.03%	9.42%
Non-Interest Income	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	1,063	952.12	893.25	890.06	706.85
Provision for Credit Losses	48.81	50.95	89.43	63.91	-37.55
Revenue	1,063	952.12	893.25	826.15	744.4
Revenue Growth (YoY)	11.66%	6.59%	8.12%	10.98%	28.92%
Compensation Expenses	354.45	340.04	318.46	276.21	241.44
Selling, General & Admin	145.06	136.7	131.58	111.78	92.06
Other Non-Interest Expenses	92.42	101.42	121.23	82.16	63.14
Total Non-Interest Expense	591.93	578.17	571.27	470.15	396.64
Pretax Income	422.41	323.01	232.55	356	347.76
Provision for Income Taxes	94.32	70.61	45	78.53	77.96
Net Income	318.18	244.63	180.85	269.14	261.27
Net Income to Common	318.18	244.63	180.85	269.14	261.27
Net Income Growth	30.07%	35.27%	-32.80%	3.01%	64.04%
Shares Outstanding (Basic)	121	120	118	107	88
Shares Outstanding (Diluted)	121	120	118	107	88
Shares Change (YoY)	1.28%	1.83%	10.27%	21.20%	5.83%
EPS (Basic)	2.62	2.04	1.54	2.52	2.97
EPS (Diluted)	2.62	2.04	1.54	2.52	2.97
EPS Growth	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	30.86%	26.51%	21.00%	33.59%	36.24%
FCF Margin	33.53%	31.79%	24.80%	68.34%	44.71%
EBITDA	45.95	40.93	44.96	46.7	-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