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	Mar '26 Mar 31, 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	930.64	909.11	827.37	817.77	752.36	549.03
Net Interest Income Growth	10.76%	9.88%	1.17%	8.69%	37.03%	9.42%
Non-Interest Income	162.14	154.05	124.76	75.48	137.71	157.82
Non-Interest Income Growth	34.19%	23.48%	65.28%	-45.19%	-12.74%	1.09%
Revenues Before Loan Losses	1,093	1,063	952.12	893.25	890.06	706.85
Provision for Credit Losses	44.24	48.81	50.95	89.43	63.91	-37.55
Revenue	1,092	1,063	952.12	893.25	826.15	744.4
Revenue Growth (YoY)	13.62%	11.66%	6.59%	8.12%	10.98%	28.92%
Compensation Expenses	371.43	354.45	340.04	318.46	276.21	241.44
Selling, General & Admin	146.62	145.06	136.7	131.58	111.78	92.06
Other Non-Interest Expenses	90.09	92.42	101.42	121.23	82.16	63.14
Total Non-Interest Expense	608.14	591.93	578.17	571.27	470.15	396.64
Pretax Income	439.61	422.41	323.01	232.55	356	347.76
Provision for Income Taxes	98.64	94.32	70.61	45	78.53	77.96
Net Income	332.49	318.18	244.63	180.85	269.14	261.27
Net Income to Common	332.49	318.18	244.63	180.85	269.14	261.27
Net Income Growth	31.24%	30.07%	35.27%	-32.80%	3.01%	64.04%
Shares Outstanding (Basic)	121	121	120	118	107	88
Shares Outstanding (Diluted)	122	121	120	118	107	88
Shares Change (YoY)	1.29%	1.28%	1.83%	10.27%	21.20%	5.83%
EPS (Basic)	2.73	2.62	2.04	1.54	2.52	2.97
EPS (Diluted)	2.73	2.62	2.04	1.54	2.52	2.97
EPS Growth	29.38%	28.43%	32.47%	-38.89%	-15.15%	55.50%
Shares Outstanding	119.61	120.6	119.36	119.01	106.22	89.35
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	0.990	0.980	0.940	0.920	0.860	0.780
Dividend Growth	1.02%	4.25%	2.17%	6.98%	10.26%	8.33%
Profit Margin	31.22%	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	22.44%	22.33%	21.86%	19.35%	22.06%	22.42%

Updated Apr 21, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q