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 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $276.51M | - | $276.85M | $260.24M | $247.68M | - | $202.85M | $233.02M | $225.84M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $108.36M | - | $118.07M | $100.50M | $91.16M | - | $59.78M | $85.98M | $80.83M | - |
| Interest Expense | - | - | - | - | - | - | - | $138.26M | $137.58M | - |
| Income Tax | $24.07M | - | $26.58M | $21.77M | $19.75M | - | $12.44M | $19.36M | $18.20M | - |
| Net Income | $84.29M | - | $91.49M | $78.73M | $71.41M | - | $47.35M | $66.61M | $62.63M | - |
| EPS - Basic | $0.69 | - | $0.71 | $0.63 | $0.58 | - | $0.38 | $0.54 | $0.51 | - |
| EPS - Diluted | $0.69 | - | $0.70 | $0.63 | $0.58 | - | $0.38 | $0.54 | $0.51 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $493.14M | $395.75M | $613.43M | $574.96M | $636.71M | $519.87M | $740.04M | $562.86M | $961.93M | $1.00B |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $28.18B | $28.00B | $28.14B | $28.09B | $27.87B | $27.72B | $27.37B | $27.06B | $27.36B | $27.30B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $120.50M | $120.40M | $155.25M | $155.14M | $254.29M | $254.15M | $316.36M | $324.89M | $324.85M | $324.82M |
| Total Liabilities | $24.52B | $24.36B | $24.55B | $24.47B | $24.37B | $24.29B | $23.97B | $23.71B | $24.06B | $24.04B |
| Stockholders' Equity | $3.65B | $3.64B | $3.60B | $3.61B | $3.50B | $3.43B | $3.41B | $3.34B | $3.30B | $3.26B |
| Retained Earnings | $968.19M | $914.26M | $858.39M | $802.59M | $754.97M | $714.14M | $668.97M | $652.24M | $614.61M | $581.22M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $69.28M | - | - | - | $98.63M | - | - | - | $88.81M | - |
| Investing Cash Flow | ($45.54M) | - | - | - | ($56.58M) | - | - | - | ($122.51M) | - |
| Financing Cash Flow | $73.65M | - | - | - | $74.79M | - | - | - | ($8.24M) | - |
| CapEx | $6.92M | - | - | - | $4.31M | - | - | - | $13.71M | - |
| Free Cash Flow | $62.36M | - | - | - | $94.32M | - | - | - | $75.10M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 39.2% | - | 42.6% | 38.6% | 36.8% | - | 29.5% | 36.9% | 35.8% | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | 30.5% | - | 33.0% | 30.3% | 28.8% | - | 23.3% | 28.6% | 27.7% | - |
| Free cash flow margin | 22.6% | - | - | - | 38.1% | - | - | - | 33.3% | - |
| FCF / Net income | 0.74 | - | - | - | 1.32 | - | - | - | 1.20 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 22.2% | - | 22.5% | 21.7% | 21.7% | - | 20.8% | 22.5% | 22.5% | - |
| Return on assets | 0.3% | - | 0.3% | 0.3% | 0.3% | - | 0.2% | 0.2% | 0.2% | - |
| Return on equity | 2.3% | - | 2.5% | 2.2% | 2.0% | - | 1.4% | 2.0% | 1.9% | - |
| Return on invested capital | 2.2% | - | 2.4% | 2.1% | 1.9% | - | 1.3% | 1.8% | 1.7% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.03 | 0.03 | 0.04 | 0.04 | 0.07 | 0.07 | 0.09 | 0.10 | 0.10 | 0.10 |
| Debt / Assets | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | 0.6x | 0.6x | - |
| Equity multiplier | 7.71 | 7.70 | 7.82 | 7.77 | 7.96 | 8.08 | 8.04 | 8.09 | 8.29 | 8.37 |
| Liabilities / Assets | 0.87 | 0.87 | 0.87 | 0.87 | 0.87 | 0.88 | 0.88 | 0.88 | 0.88 | 0.88 |
| Efficiency | ||||||||||
| Asset turnover | 0.01 | - | 0.01 | 0.01 | 0.01 | - | 0.01 | 0.01 | 0.01 | - |
| 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) | 11.6% | - | 36.5% | 11.7% | 9.7% | - | -0.7% | 8.9% | 2.7% | - |
| Revenue CAGR (3y) | 7.9% | - | 8.6% | 8.0% | 11.3% | - | 1.8% | 7.5% | 6.1% | - |
| Revenue CAGR (5y) | 7.9% | - | 12.3% | 17.5% | 15.2% | - | 6.9% | 10.9% | 11.1% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 18.9% | - | 97.5% | 16.9% | 12.8% | - | -0.0% | 5.5% | 0.9% | - |
| Net income growth (YoY) | 18.0% | - | 93.2% | 18.2% | 14.0% | - | -1.1% | 5.3% | 0.5% | - |
| EPS growth (YoY) | 19.0% | - | 84.2% | 16.7% | 13.7% | - | -2.6% | 1.9% | -1.9% | - |
| EPS CAGR (3y) | 9.9% | - | -1.8% | 1.1% | 10.5% | - | -22.6% | -11.5% | -14.6% | - |
| EPS CAGR (5y) | -3.4% | - | 6.1% | 14.5% | 7.7% | - | -8.7% | -0.4% | -1.5% | - |
| FCF growth (YoY) | -33.9% | - | - | - | 25.6% | - | - | - | 11.3% | - |
| FCF CAGR (5y) | 14.2% | - | - | - | - | - | - | - | 25.4% | - |
| Book value growth (YoY) | 4.4% | 6.0% | 5.6% | 8.1% | 6.1% | 5.2% | 7.0% | 7.6% | 7.2% | 20.8% |
Peer comparison
Same SIC group: State Commercial Banks
Comparing UNITED COMMUNITY BANKS INC against the 5 most active filers in the same SIC group.