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United Community Banks, Inc. (UCB)

NYSE Financials Regional Banks S&P SmallCap 600
$36.99
+0.03 (+0.08%)
Close of Nov 06, 2026 · end-of-day data
Source: United Community Banks, Inc.'s 10-K / 10-Q XBRL data on SEC EDGAR · fetched Nov 05, 2026

Revenue, net income & free cash flow

Income statement

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue$42.11M$38.30M$36.00M$560.96M$577.43M$744.40M$826.15M$893.25M$952.12M$1.06B
Interest expense$25.24M$33.73M$61.33M$83.31M$56.24M$29.76M$60.80M$419.34M——
Pre-tax income$162.99M$172.83M$215.93M$238.71M$209.44M$347.76M$356.00M$232.54M$323.01M$422.41M
Income tax$62.34M$105.01M$49.81M$52.99M$45.36M$77.96M$78.53M$45.00M$70.61M$94.32M
Net income$100.66M$67.82M$166.11M$185.72M$164.09M$269.80M$277.47M$187.54M$252.40M$328.10M
EPS (basic)$1.40$0.92$2.07$2.31$1.91$2.97$2.52$1.54$2.04$2.62
EPS (diluted)$1.40$0.92$2.07$2.31$1.91$2.97$2.52$1.54$2.04$2.62
Diluted shares71.92M73.26M79.67M79.71M83.25M88.10M106.78M117.75M119.90M121.44M
Net margin239.0%177.1%461.5%33.1%28.4%36.2%33.6%21.0%26.5%30.9%

Balance sheet

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash & equivalents$217.35M$314.27M$327.26M$515.21M$1.61B$2.32B$646.85M$1.00B$519.87M$395.75M
Goodwill$142.03M$220.59M$307.11M$327.43M$367.81M$452.01M$751.17M$919.91M$907.09B$925.12M
Total assets$10.71B$11.92B$12.57B$12.92B$17.79B$20.95B$24.01B$27.30B$27.72B$28.00B
Short-term debt$5.00M$50.00M$0——$0$158.93M$0$195.00M$85.00M
Long-term debt-$4.98M$120.55M$267.19M$212.66M$326.96M$247.36M$324.66M$324.82M$254.15M$120.40M
Total debt$24.00K$170.54M$267.19M$212.66M$326.96M$247.36M$483.60M$324.82M$449.15M$205.40M
Total liabilities$9.63B$10.61B$11.12B$11.28B$15.79B$18.72B$21.31B$24.04B$24.29B$24.36B
Shareholders' equity$1.08B$1.30B$1.46B$1.64B$2.01B$2.22B$2.70B$3.26B$3.43B$3.64B

Cash flow

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow$139.91M$207.96M$270.01M$153.93M$158.68M$359.32M$607.31M$293.97M$349.73M$384.04M
Capital expenditures$17.38M$22.18M$17.62M$20.94M$18.46M$26.48M$42.70M$72.48M$47.04M$27.58M
Free cash flow$122.54M$185.78M$252.39M$132.99M$140.22M$332.84M$564.60M$221.49M$302.69M$356.46M
Investing cash flow-$732.33M-$45.51M-$359.48M$163.22M-$1.58B-$1.81B-$2.02B-$163.29M-$991.04M$33.42M
Financing cash flow$569.40M-$65.53M$102.46M-$129.21M$2.52B$2.16B-$258.78M$226.34M$157.31M-$541.57M
Dividends paid$15.85M$26.21M$41.63M$53.04M$58.91M$66.91M$86.88M$105.08M$112.32M$118.52M
Share buybacks$13.66M$0$0$13.02M$20.78M$15.10M$0$0$0$44.27M
Stock-based compensation$4.50M$5.83M$6.06M$9.36M$7.89M$6.55M$8.71M$8.93M$10.80M$11.40M
Depreciation & amortization$29.97M$27.49M$30.97M$23.95M-$8.59M-$2.06M$46.70M$44.96M$40.93M$45.95M

Quarterly figures are rebuilt from the year-to-date totals companies report — Q4 is the full year minus the first nine months, since no 10-Q is filed for it. Values are as filed; later restatements replace earlier ones. Fiscal years are labelled by the calendar year in which they end.