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United Community Banks Inc (UCB)

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SEC name UNITED COMMUNITY BANKS INC · CIK 0000857855 · NYSE · State Commercial Banks

  • Sector Finance & Real Estate
  • Incorporated GA
  • Fiscal year ends Dec 31

For the year ended 2025-12-31, United Community Banks Inc reported revenue of $1.06B. Revenue grew 11.7% from the prior annual period. Over the twelve months to 2026-06-30, revenue was $1.11B.

Key ratios (year ended 2025-12-31)

30.9%
Net margin
9.0%
Return on year-end equity
11.7%
Revenue growth (YoY)

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Latest selected filing: Form 8-K (current report) · 2026-10-20

Annual financials

Annual flows and balances are grouped by their actual period end. Select a figure to open its SEC filing. n/a means a matching observation is unavailable. Free cash flow is operating cash flow minus capital expenditures, and EBITDA is operating income plus depreciation and amortization, for the same period, computed by TickerFacts.

The first column covers the twelve months to 2026-06-30 from the latest quarterly report: flows are the last fiscal year plus this year to date minus the same months a year earlier, and balances are as of that date. Per-share figures are annual only.

Period endedTTM to
2026-06-30		2025-12-312024-12-312023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-31
Revenue$1.11B$1.06B$952.12M$893.25M$826.15M$744.40M$577.43M$560.96M$522.21M$440.44M$404.28M
Depreciation & Amortization$61.56M$45.95M$40.93M$44.96M$46.70M-$2.06M-$8.59M$23.95M$30.97M$27.49M$29.97M
Net Income$377.88M$328.10M$252.40M$187.54M$277.47M$269.80M$164.09M$185.72M$166.11M$67.82M$100.66M
EPS (Diluted)n/a$2.62$2.04$1.54$2.52$2.97$1.91$2.31$2.07$0.92$1.40
Total Assets$29.05B$28.00B$27.72B$27.30B$24.01B$20.95B$17.79B$12.92B$12.57B$11.92B$10.71B
Total Liabilities$25.31B$24.36B$24.29B$24.04B$21.31B$18.72B$15.79B$11.28B$11.12B$10.61B$9.63B
Long-Term Debt$20.60M$120.40M$254.15M$324.82M$324.66M$247.36M$326.96M$212.66M$267.19M$120.55M$175.08M
Shareholders' Equity$3.75B$3.64B$3.43B$3.26B$2.70B$2.22B$2.01B$1.64B$1.46B$1.30B$1.08B
Cash & Equivalentsn/an/an/an/an/an/an/an/an/a$314.27M$217.35M
Operating Cash Flow$388.48M$384.04M$349.73M$293.97M$607.31M$359.32M$158.68M$153.93M$270.01M$207.96M$139.91M
Capital Expenditures$27.28M$27.58M$47.04M$72.48M$42.70M$26.48M$18.46M$20.94M$17.62M$22.18M$17.38M
Free Cash Flow$361.19M$356.46M$302.69M$221.49M$564.60M$332.84M$140.22M$132.99M$252.39M$185.78M$122.54M
Share Repurchases$67.42M$44.27M$0$0$0$15.10M$20.78M$13.02M$0$0$13.66M
Dividends Paid$121.35M$118.52M$112.32M$105.08M$86.88M$66.91M$58.91M$53.04M$41.63M$26.21M$15.85M
Shares Outstanding119.76M120.60M119.36M119.01M106.22M89.35M86.68M79.01M79.23M77.58M70.90M
Dividends Per Sharen/a$0.98$0.94$0.92$0.86$0.78$0.72$0.68$0.58$0.38$0.30
Weighted Average Diluted Sharesn/a121.44M119.90M117.75M106.78M88.10M83.25M79.71M79.67M73.26M71.92M
EPS (Basic)n/a$2.62$2.04$1.54$2.52$2.97$1.91$2.31$2.07$0.92$1.40

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