20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
United Community Banks, Inc. (UCB) operates in the BANKS - REGIONAL industry and is headquartered in Greenville, United States with about 3,141 employees. Its market capitalization is roughly $4 billion. In the fiscal year ended 2025-12-31, UCB reported $1.5B in revenue and $328M in net income.
United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts.
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| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $1.6B | $1.5B | $1.5B | $1.3B | $929M | $716M | $696M | $641M | $578M | $464M | $429M | $351M | $304M | $302M | $322M | $348M | $390M | $454M | $518M | $612M | $494M |
| Gross Profit | $1.1B | $1.0B | $879M | $783M | $804M | $724M | $559M | $545M | $507M | $426M | $404M | $326M | $270M | $209M | $222M | $31M | $67M | ($16M) | $106M | $280M | $271M |
| Gross Margin % | 72.0% | 66.0% | 59.4% | 60.6% | 86.6% | 101.1% | 80.3% | 85.0% | 87.7% | 91.9% | 94.3% | 92.9% | 88.8% | 69.2% | 68.8% | 8.9% | 17.1% | -3.5% | 20.4% | 45.7% | 54.8% |
| Operating Income (EBIT) | $477M | $422M | $323M | $233M | $356M | $348M | $209M | $239M | $216M | $173M | $163M | $115M | $107M | $35M | $35M | ($231M) | ($432M) | ($319M) | ($101M) | $90M | $108M |
| Operating Margin % | 30.7% | 27.5% | 21.8% | 18.0% | 38.3% | 48.5% | 30.1% | 37.2% | 37.4% | 37.2% | 38.0% | 32.8% | 35.2% | 11.6% | 10.8% | -66.4% | -110.9% | -70.4% | -19.5% | 14.6% | 21.9% |
| Net Income | $378M | $328M | $252M | $188M | $277M | $270M | $164M | $186M | $166M | $68M | $101M | $72M | $68M | $273M | $34M | ($227M) | ($502M) | ($228M) | ($63M) | $58M | $69M |
| Net Margin % | 24.3% | 21.3% | 17.1% | 14.5% | 29.9% | 37.7% | 23.6% | 29.0% | 28.7% | 14.6% | 23.5% | 20.4% | 22.2% | 90.3% | 10.5% | -65.2% | -128.9% | -50.3% | -12.2% | 9.5% | 13.9% |
| EBITDA | $520M | $457M | $364M | $278M | $403M | $346M | $201M | $263M | $247M | $200M | $193M | $138M | $127M | $61M | $67M | ($210M) | ($416M) | ($305M) | ($86M) | $104M | $123M |
| Earnings Per Share (EPS) | $3.12 | $2.69 | $2.10 | $1.59 | $2.60 | $3.06 | $1.97 | $2.33 | $2.08 | $0.93 | $1.40 | $1.09 | $1.12 | $4.64 | $0.59 | $-5.68 | $-26.54 | $-18.91 | $-6.55 | $5.99 | $7.96 |
| Shares Outstanding (M) | 120M | 122M | 120M | 118M | 107M | 88M | 83M | 80M | 80M | 73M | 72M | 65M | 61M | 59M | 58M | 40M | 19M | 12M | 10M | 10M | 9M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $383M | $378M | $403M | $391M | $376M | $366M | $380M | $351M |
| Gross Profit | $309M | $266M | $281M | $263M | $243M | $228M | $234M | $196M |
| Gross Margin % | 80.8% | 70.3% | 69.7% | 67.2% | 64.5% | 62.1% | 61.5% | 56.0% |
| Operating Income (EBIT) | $138M | $108M | $113M | $118M | $101M | $91M | $96M | $60M |
| Operating Margin % | 36.1% | 28.7% | 27.9% | 30.2% | 26.7% | 24.9% | 25.4% | 17.1% |
| Net Income | $116M | $84M | $86M | $92M | $79M | $71M | $76M | $47M |
| Net Margin % | 30.2% | 22.3% | 21.4% | 23.4% | 20.9% | 19.5% | 20.0% | 13.5% |
| EBITDA | $138M | $128M | $125M | $129M | $112M | $103M | $106M | $71M |
| Earnings Per Share (EPS) | $0.96 | $0.70 | $0.71 | $0.75 | $0.65 | $0.59 | $0.63 | $0.39 |
| Shares Outstanding (M) | 120M | 121M | 122M | 122M | 121M | 120M | 120M | 120M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $440M | $435M | $350M | $294M | $607M | $359M | $159M | $154M | $270M | $208M | $140M | $113M | $99M | $192M | $183M | $152M | $123M | $140M | $121M | $105M | $51M |
| Capital Expenditures (CapEx) | $27M | $28M | $47M | $72M | $43M | $26M | $18M | $21M | $18M | $22M | $17M | $11M | $5M | $8M | $4M | $7M | $7M | $15M | $11M | $34M | $26M |
| Free Cash Flow (FCF) | $412M | $408M | $303M | $221M | $565M | $333M | $140M | $133M | $252M | $186M | $123M | $103M | $94M | $184M | $179M | $145M | $116M | $125M | $110M | $71M | $25M |
| FCF Margin % | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Dividends Paid | $123M | $123M | $119M | $112M | $94M | $74M | $62M | $53M | $42M | $26M | $16M | $15M | $3M | $11M | $11M | $10M | $9M | $9M | $13M | $16M | $13M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $131M | $69M | $117M | $123M | $97M | $99M | $148M | $8M |
| Capital Expenditures (CapEx) | $9M | $7M | $6M | $5M | $12M | $4M | $6M | $10M |
| Free Cash Flow (FCF) | $121M | $62M | $111M | $118M | $85M | $94M | $143M | ($2M) |
| FCF Margin % | — | — | — | — | — | — | — | — |
| Dividends Paid | $30M | $31M | $31M | $31M | $31M | $31M | $31M | $29M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $29.1B | $28.0B | $27.7B | $27.3B | $24.0B | $20.9B | $17.8B | $12.9B | $12.6B | $11.9B | $10.7B | $9.6B | $7.6B | $7.4B | $6.8B | $7.0B | $7.4B | $8.0B | $8.6B | $8.2B | $7.1B |
| Cash & Cash Equivalents | $129M | $203M | $520M | $1.0B | $512M | $2.3B | $1.6B | $515M | $327M | $314M | $217M | $240M | $193M | $229M | $251M | $378M | $208M | $247M | $125M | $220M | $171M |
| Total Liabilities | $25.3B | $24.4B | $24.3B | $24.0B | $21.3B | $18.7B | $15.8B | $11.3B | $11.1B | $10.6B | $9.6B | $8.6B | $6.8B | $6.6B | $6.2B | $6.4B | $6.8B | $7.0B | $7.6B | $7.4B | $6.5B |
| Total Debt (Short + Long-Term) | $1.2B | $205M | $449M | $336M | $1.2B | $256M | $327M | $0M | $160M | $50M | $5M | $17M | $6M | $106M | $105M | $205M | $101M | $101M | $108M | $638M | $66M |
| Total Shareholders' Equity | $3.7B | $3.6B | $3.4B | $3.3B | $2.7B | $2.2B | $2.0B | $1.6B | $1.5B | $1.3B | $1.1B | $1.0B | $740M | $796M | $581M | $575M | $636M | $962M | $989M | $832M | $617M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive UCB viewer.
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