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United Community Banks Inc $UCB

Financials

Russell 2000 South Carolina

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$35.85

+0.38 (+1.07%)

As of Oct 22, 2026, 5:03 AM EDT

Price history

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United Community Banks Inc (UCB) is trading up at $35.85 (+1.07%), as of the latest quote. It is a Russell 2000 constituent in the Financials sector.

United Community Banks Inc revenue & net income history (FY2016–FY2025)

RevenueNet incomeNet margin (right axis, %)

United Community Banks Inc annual financial statements
	FY2016Dec 2016	FY2017Dec 2017	FY2018Dec 2018	FY2019Dec 2019	FY2020Dec 2020	FY2021Dec 2021	FY2022Dec 2022	FY2023Dec 2023	FY2024Dec 2024	FY2025Dec 2025
Income statement
Revenue	$404.3M	$440.4M	$522.2M	$561.0M	$577.4M	$744.4M	$826.2M	$893.2M	$952.1M	$1.06B
Growth (year over year)	+23.9%	+8.9%	+18.6%	+7.4%	+2.9%	+28.9%	+11.0%	+8.1%	+6.6%	+11.7%
Net income	$100.7M	$67.8M	$166.1M	$185.7M	$164.1M	$269.8M	$277.5M	$187.5M	$252.4M	$328.1M
Net margin	24.9%	15.4%	31.8%	33.1%	28.4%	36.2%	33.6%	21.0%	26.5%	30.9%
EPS (diluted)	$1.40	$0.92	$2.07	$2.31	$1.91	$2.97	$2.52	$1.54	$2.04	$2.62
Balance sheet
Cash and equivalents	$217.3M	$314.3M	$327.3M	$515.2M	$1.61B	$2.32B	$646.9M	$1.00B	$519.9M	$395.8M
Total assets	$10.7B	$11.9B	$12.6B	$12.9B	$17.8B	$20.9B	$24.0B	$27.3B	$27.7B	$28.0B
Total liabilities	$9.63B	$10.6B	$11.1B	$11.3B	$15.8B	$18.7B	$21.3B	$24.0B	$24.3B	$24.4B
Long-term debt	−$4.98M	$120.5M	$267.2M	$212.7M	$327.0M	$247.4M	$324.7M	$324.8M	$254.2M	$120.4M
Shareholders' equity	$1.08B	$1.30B	$1.46B	$1.64B	$2.01B	$2.22B	$2.70B	$3.26B	$3.43B	$3.64B
Cash flow
Operating cash flow	$139.9M	$208.0M	$270.0M	$153.9M	$158.7M	$359.3M	$607.3M	$294.0M	$349.7M	$384.0M
Capital expenditure	$17.4M	$22.2M	$17.6M	$20.9M	$18.5M	$26.5M	$42.7M	$72.5M	$47.0M	$27.6M
Free cash flow	$122.5M	$185.8M	$252.4M	$133.0M	$140.2M	$332.8M	$564.6M	$221.5M	$302.7M	$356.5M
Dividends paid	$15.8M	$26.2M	$41.6M	$53.0M	$58.9M	$66.9M	$86.9M	$105.1M	$112.3M	$118.5M
Share buybacks	$13.7M	$0	$0	$13.0M	$20.8M	$15.1M	$0	$0	$0	$44.3M

RevenueNet incomeNet margin (right axis, %)

United Community Banks Inc quarterly financial statements
	Q3 FY24Sep 2024	Q4 FY24^†Dec 2024	Q1 FY25Mar 2025	Q2 FY25Jun 2025	Q3 FY25Sep 2025	Q4 FY25^†Dec 2025	Q1 FY26Mar 2026	Q2 FY26Jun 2026
Income statement
Revenue	$217.3M	$250.9M	$247.7M	$260.2M	$276.8M	$278.4M	$276.5M	$279.3M
Growth (year over year)	+6.4%	+39.1%	+3.7%	+6.1%	+27.4%	+11.0%	+11.6%	+7.3%
Net income	$47.3M	$75.8M	$71.4M	$78.7M	$91.5M	$86.5M	$84.3M	$115.6M
Net margin	21.8%	30.2%	28.8%	30.3%	33.0%	31.1%	30.5%	41.4%
EPS (diluted)	$0.38	$0.61	$0.58	$0.63	$0.70	$0.71	$0.69	$0.95
Balance sheet
Cash and equivalents	$740.0M	$519.9M	$636.7M	$575.0M	$613.4M	$395.8M	$493.1M	$455.1M
Total assets	$27.4B	$27.7B	$27.9B	$28.1B	$28.1B	$28.0B	$28.2B	$29.1B
Total liabilities	$24.0B	$24.3B	$24.4B	$24.5B	$24.5B	$24.4B	$24.5B	$25.3B
Long-term debt	$316.4M	$254.2M	$254.3M	$155.1M	$155.3M	$120.4M	$120.5M	$20.6M
Shareholders' equity	$3.41B	$3.43B	$3.50B	$3.61B	$3.60B	$3.64B	$3.65B	$3.75B
Cash flow
Operating cash flow	$7.74M	$148.1M	$98.6M	$96.8M	$123.1M	$65.5M	$69.3M	$130.6M
Capital expenditure	$9.94M	$5.54M	$4.31M	$12.1M	$5.39M	$5.76M	$6.92M	$9.21M
Free cash flow	−$2.20M	$142.6M	$94.3M	$84.7M	$117.7M	$59.7M	$62.4M	$121.4M
Dividends paid	$27.8M	$29.0M	$29.1M	$29.1M	$29.5M	$30.8M	$30.6M	$30.4M
Share buybacks	$0	$0	$0	$13.9M	$0	$30.3M	$37.1M	$0

From United Community Banks Inc's 10-K and 10-Q filings with the SEC; its fiscal year ends in December. Each period shows the latest figure the company has reported for it, including restatements. Net margin is our own calculation from those reported figures (net income ÷ revenue); it is left blank where revenue is zero or missing. † Quarter derived from the company's year-to-date or full-year totals. Filings on SEC EDGAR →