UCBI · United Community Banks Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $1.06B | $901.17M | $803.82M | $826.15M | $744.40M | $577.43M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - |
| Operating Income | $422.41M | $323.01M | $232.54M | $356.00M | $209.44M | $209.44M |
| Interest Expense | - | - | $419.34M | $60.80M | $29.76M | $56.24M |
| Income Tax | $94.32M | $70.61M | $45.00M | $78.53M | $77.96M | $45.36M |
| Net Income | $328.10M | $252.40M | $187.54M | $277.47M | $269.80M | $164.09M |
| EPS - Basic | $2.62 | $2.04 | $1.54 | $2.52 | $2.97 | $1.91 |
| EPS - Diluted | $2.62 | $2.04 | $1.54 | $2.52 | $2.97 | $1.91 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $395.75M | $519.87M | $1.00B | $646.85M | $2.32B | $1.61B |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $28.00B | $27.72B | $27.30B | $24.01B | $20.95B | $17.79B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $120.40M | $254.15M | $324.82M | $324.66M | $247.36M | $326.96M |
| Total Liabilities | $24.36B | $24.29B | $24.04B | $21.31B | $18.72B | $15.79B |
| Stockholders' Equity | $3.64B | $3.43B | $3.26B | $2.70B | $2.22B | $2.01B |
| Retained Earnings | $914.26M | $714.14M | $581.22M | $508.84M | $330.65M | $136.87M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $384.04M | $349.73M | $293.97M | $607.31M | $359.32M | $158.68M |
| Investing Cash Flow | $33.42M | ($991.04M) | ($163.29M) | ($2.02B) | ($1.81B) | ($1.58B) |
| Financing Cash Flow | ($541.57M) | $157.31M | $226.34M | ($258.78M) | $2.16B | $2.52B |
| CapEx | $27.58M | $47.04M | $72.48M | $42.70M | $26.48M | $18.46M |
| Free Cash Flow | $356.46M | $302.69M | $221.49M | $564.60M | $332.84M | $140.22M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 39.7% | 35.8% | 28.9% | 43.1% | 28.1% | 36.3% |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | 30.9% | 28.0% | 23.3% | 33.6% | 36.2% | 28.4% |
| Free cash flow margin | 33.5% | 33.6% | 27.6% | 68.3% | 44.7% | 24.3% |
| FCF / Net income | 1.09 | 1.20 | 1.18 | 2.03 | 1.23 | 0.85 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 22.3% | 21.9% | 19.4% | 22.1% | 22.4% | 21.7% |
| Return on assets | 1.2% | 0.9% | 0.7% | 1.2% | 1.3% | 0.9% |
| Return on equity | 9.0% | 7.4% | 5.8% | 10.3% | 12.1% | 8.2% |
| Return on invested capital | 8.7% | 6.8% | 5.2% | 9.2% | 6.6% | 7.0% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.03 | 0.07 | 0.10 | 0.12 | 0.11 | 0.16 |
| Debt / Assets | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 0.6x | 5.9x | 7.0x | 3.7x |
| Equity multiplier | 7.70 | 8.08 | 8.37 | 8.89 | 9.43 | 8.86 |
| Liabilities / Assets | 0.87 | 0.88 | 0.88 | 0.89 | 0.89 | 0.89 |
| Efficiency | ||||||
| Asset turnover | 0.04 | 0.03 | 0.03 | 0.03 | 0.04 | 0.03 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | - | - | - | - | - | - |
| P / B | - | - | - | - | - | - |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | 18.0% | 12.1% | -2.7% | 11.0% | 28.9% | 2.9% |
| Revenue CAGR (3y) | 8.8% | 6.6% | 11.7% | 13.8% | 12.5% | 9.4% |
| Revenue CAGR (5y) | 13.0% | 9.9% | 9.0% | 13.4% | 13.0% | 12.1% |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 30.8% | 38.9% | -34.7% | 70.0% | 0.0% | -12.3% |
| Net income growth (YoY) | 30.0% | 34.6% | -32.4% | 2.8% | 64.4% | -11.6% |
| EPS growth (YoY) | 28.4% | 32.5% | -38.9% | -15.2% | 55.5% | -17.3% |
| EPS CAGR (3y) | 1.3% | -11.8% | -6.9% | 2.9% | 12.8% | 27.6% |
| EPS CAGR (5y) | 6.5% | -2.5% | -5.7% | 22.3% | 16.2% | 11.9% |
| FCF growth (YoY) | 17.8% | 36.7% | -60.8% | 69.6% | 137.4% | 5.4% |
| FCF CAGR (5y) | 20.5% | 17.9% | 12.6% | 24.9% | 22.4% | -5.0% |
| Book value growth (YoY) | 6.0% | 5.2% | 20.8% | 21.5% | 10.7% | 22.7% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
6/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- ✓Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- ✓Asset turnover improved
Peer comparison
Same SIC group: State Commercial Banks
Comparing UNITED COMMUNITY BANKS INC against the 5 most active filers in the same SIC group.