United Community Banks Inc (UCB) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, United Community Banks reported revenue of $1.06B, up 11.7% from $952.1M the year before. Net income was $328.1M (a 30.9% net margin), or $2.62 per diluted share. Net interest income was $909.1M, and the efficiency ratio (noninterest expense / revenue) was 55.7%. Operating activities generated $384.0M of cash, leaving $356.5M of free cash flow. At fiscal year end, United Community Banks held $28.00B in total assets against $24.36B in total liabilities.
Open the full interactive United Community Banks financials → Quarterly statements, key ratios, valuation history and price charts.
United Community Banks Key Stats
| Share Price | $33.37 |
|---|---|
| Market Cap | $4.02B |
| P/E Ratio | 12.7 |
| Revenue YoY Growth | +11.7% |
| 52-Week Range | $28.07 – $36.82 |
| Shares Outstanding | 120.3 million (basic, 2026 Q2) |
United Community Banks Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $501.8M | $549.0M | $752.4M | $817.8M | $827.4M | $909.1M |
| Provision for Credit Losses | $80.4M | -$37.5M | $63.9M | $89.4M | $51.0M | $48.8M |
| Noninterest Income | $156.1M | $157.8M | $137.7M | $75.5M | $124.8M | $154.0M |
| Noninterest Expense | $368.0M | $396.6M | $470.1M | $571.3M | $578.2M | $591.9M |
| Revenue | $657.9M | $706.9M | $890.1M | $893.2M | $952.1M | $1.06B |
| Pre-Tax Income | $209.4M | $347.8M | $356.0M | $232.5M | $323.0M | $422.4M |
| Income Tax | $45.4M | $78.0M | $78.5M | $45.0M | $70.6M | $94.3M |
| Net Income | $164.1M | $269.8M | $277.5M | $187.5M | $252.4M | $328.1M |
| Diluted EPS | $1.91 | $2.97 | $2.52 | $1.54 | $2.04 | $2.62 |
United Community Banks Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $276.8M | $278.4M | $276.5M | $279.3M |
| Net Income | $91.5M | $86.5M | $84.3M | $115.6M |
| Diluted EPS | $0.70 | $0.71 | $0.69 | $0.95 |
United Community Banks Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | — | $11.66B | $15.18B | $18.11B | $17.97B | $19.17B |
| Total Assets | $17.79B | $20.95B | $24.01B | $27.30B | $27.72B | $28.00B |
| Deposits | $15.23B | $18.24B | $19.88B | $23.31B | $23.46B | $23.80B |
| Total Long-Term Debt | $327.0M | $247.4M | $324.7M | $324.8M | $254.2M | $120.4M |
| Total Liabilities | $15.79B | $18.72B | $21.31B | $24.04B | $24.29B | $24.36B |
| Shareholders' Equity | $2.01B | $2.22B | $2.70B | $3.26B | $3.43B | $3.64B |
United Community Banks Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $158.7M | $359.3M | $607.3M | $294.0M | $349.7M | $384.0M |
| Cash From Investing | -$1.58B | -$1.81B | -$2.02B | -$163.3M | -$991.0M | $33.4M |
| Cash From Financing | $2.52B | $2.16B | -$258.8M | $226.3M | $157.3M | -$541.6M |
| Free Cash Flow | $140.2M | $332.8M | $564.6M | $221.5M | $302.7M | $356.5M |
Figures from United Community Banks' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full United Community Banks financials page for every line item.
United Community Banks Company Profile
| Ticker | UCB |
|---|---|
| Exchange | NYSE |
| Industry | State Commercial Banks |
| Headquarters | Greenville, South Carolina |
| Incorporated in | Georgia |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000857855 |
Frequently Asked Questions
What was United Community Banks' revenue in fiscal 2025?
United Community Banks (UCB) reported revenue of $1.06B for fiscal 2025.
What is United Community Banks' annual revenue history?
United Community Banks' annual revenue by fiscal year: 2020: $657.9M; 2021: $706.9M; 2022: $890.1M; 2023: $893.2M; 2024: $952.1M; 2025: $1.06B.
What was United Community Banks' net income in fiscal 2025?
United Community Banks reported net income of $328.1M for fiscal 2025.
What was United Community Banks' earnings per share (EPS) in fiscal 2025?
United Community Banks' diluted EPS was $2.62 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did United Community Banks generate in fiscal 2025?
United Community Banks generated $356.5M of free cash flow in fiscal 2025.
What was United Community Banks' revenue last quarter?
In its most recent reported quarter (2026 Q2), United Community Banks reported revenue of $279.3M.
How much debt does United Community Banks have?
United Community Banks reported $120.4M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of United Community Banks are outstanding?
United Community Banks reported a weighted average of 120.3 million basic shares outstanding in 2026 Q2.
What is United Community Banks' market cap?
Based on its latest closing price, United Community Banks (UCB) has a market capitalization of about $4.02B.
When does United Community Banks' fiscal year end?
United Community Banks' fiscal year end, as registered with the SEC, is December 31.
Where is United Community Banks headquartered?
United Community Banks lists its business address in Greenville, South Carolina in its SEC filings.