United Cmnty Bks Blairsvle Ga Financials

UCB

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows United Cmnty Bks Blairsvle Ga (UCB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 73/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

United Cmnty Bks Blairsvle Ga's revenue grew 12.1% year-over-year to $901.2M, a solid pace of expansion. This earns a growth score of 63/100.

Leverage

100

United Cmnty Bks Blairsvle Ga carries a low D/E ratio of 0.07, meaning only $0.07 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

100

United Cmnty Bks Blairsvle Ga converts 33.6% of revenue into free cash flow ($302.7M). This strong cash generation earns a score of 100/100.

Returns

United Cmnty Bks Blairsvle Ga generates a 7.3% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 29/100. This is up from 5.8% the prior year.

Piotroski F-Score Neutral

6/9

United Cmnty Bks Blairsvle Ga passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.39x

For every $1 of reported earnings, United Cmnty Bks Blairsvle Ga generates $1.39 in operating cash flow ($349.7M OCF vs $252.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Revenue

$901.2M

YoY+12.1%

5Y CAGR+9.9%

10Y CAGR+12.8%

United Cmnty Bks Blairsvle Ga generated $901.2M in revenue in fiscal year 2024. This represents an increase of 12.1% from the prior year.

EBITDA

N/A

Free Cash Flow

$302.7M

YoY+36.7%

5Y CAGR+17.9%

10Y CAGR+12.1%

United Cmnty Bks Blairsvle Ga generated $302.7M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 36.7% from the prior year.

Net Income

$252.4M

YoY+34.6%

5Y CAGR+6.3%

10Y CAGR+14.1%

United Cmnty Bks Blairsvle Ga reported $252.4M in net income in fiscal year 2024. This represents an increase of 34.6% from the prior year.

EPS (Diluted)

$2.04

YoY+32.5%

5Y CAGR-2.5%

10Y CAGR+6.3%

United Cmnty Bks Blairsvle Ga earned $2.04 per diluted share (EPS) in fiscal year 2024. This represents an increase of 32.5% from the prior year.

Cash & Debt

$519.9M

YoY-48.2%

5Y CAGR+0.2%

10Y CAGR+10.4%

United Cmnty Bks Blairsvle Ga held $519.9M in cash against $254.2M in long-term debt as of fiscal year 2024.

Dividends Per Share

$0.94

YoY+2.2%

5Y CAGR+6.7%

10Y CAGR+23.9%

United Cmnty Bks Blairsvle Ga paid $0.94 per share in dividends in fiscal year 2024. This represents an increase of 2.2% from the prior year.

Shares Outstanding

119M

YoY+0.3%

5Y CAGR+8.6%

10Y CAGR+9.1%

United Cmnty Bks Blairsvle Ga had 119M shares outstanding in fiscal year 2024. This represents an increase of 0.3% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

28.0%

YoY+4.7pp

5Y CAGR-5.1pp

10Y CAGR+3.0pp

United Cmnty Bks Blairsvle Ga's net profit margin was 28.0% in fiscal year 2024, showing the share of revenue converted to profit. This is up 4.7 percentage points from the prior year.

Return on Equity

7.3%

YoY+1.6pp

5Y CAGR-4.0pp

10Y CAGR-1.8pp

United Cmnty Bks Blairsvle Ga's ROE was 7.3% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 1.6 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$47.0M

YoY-35.1%

5Y CAGR+17.6%

10Y CAGR+25.0%

United Cmnty Bks Blairsvle Ga invested $47.0M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 35.1% from the prior year.

UCB Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$901.2M+12.1%	$803.8M-2.7%	$826.2M+11.0%	$744.4M+28.9%	$577.4M+2.9%	$561.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$550.4M+31.2%	$419.3M+589.7%	$60.8M+104.3%	$29.8M-47.1%	$56.2M-32.5%	$83.3M
Income Tax	$70.6M+56.9%	$45.0M-42.7%	$78.5M+0.7%	$78.0M+71.9%	$45.4M-14.4%	$53.0M
Net Income	$252.4M+34.6%	$187.5M-32.4%	$277.5M+2.8%	$269.8M+64.4%	$164.1M-11.6%	$185.7M
EPS (Diluted)	$2.04+32.5%	$1.54-38.9%	$2.52-15.2%	$2.97+55.5%	$1.91-17.3%	$2.31

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$276.8M+6.4%	$260.2M+5.1%	$247.7M+23.9%	$199.9M-18.5%	$245.3M+2.7%	$238.7M+44.0%	$165.7M-18.9%	$204.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$120.2M-1.3%	$121.8M-1.2%	$123.3M-8.4%	$134.6M-2.6%	$138.3M+0.5%	$137.6M+1.7%	$135.2M+12.2%	$120.6M
Income Tax	$26.6M+22.1%	$21.8M+10.2%	$19.7M-4.2%	$20.6M+6.4%	$19.4M+6.4%	$18.2M+719.2%	-$2.9M-124.7%	$11.9M
Net Income	$91.5M+16.2%	$78.7M+10.3%	$71.4M-5.8%	$75.8M+13.8%	$66.6M+6.4%	$62.6M+344.5%	$14.1M-70.6%	$47.9M
EPS (Diluted)	$0.70+11.1%	$0.63+8.6%	$0.58-4.9%	$0.61+13.0%	$0.54+5.9%	$0.51+410.0%	$0.10-74.4%	$0.39

UCB Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$27.7B+1.5%	$27.3B+13.7%	$24.0B+14.6%	$20.9B+17.7%	$17.8B+37.8%	$12.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$519.9M-48.2%	$1.0B+55.2%	$646.9M-72.1%	$2.3B+44.1%	$1.6B+212.2%	$515.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$907.1M-1.4%	$919.9M+22.5%	$751.2M+66.2%	$452.0M+22.9%	$367.8M+12.3%	$327.4M
Total Liabilities	$24.3B+1.1%	$24.0B+12.8%	$21.3B+13.8%	$18.7B+18.6%	$15.8B+40.0%	$11.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$254.2M-21.8%	$324.8M0.0%	$324.7M+31.3%	$247.4M-24.3%	$327.0M+53.7%	$212.7M
Total Equity	$3.4B+5.2%	$3.3B+20.8%	$2.7B+21.5%	$2.2B+10.7%	$2.0B+22.7%	$1.6B
Retained Earnings	$714.1M+22.9%	$581.2M+14.2%	$508.8M+53.9%	$330.7M+141.6%	$136.9M+240.9%	$40.2M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$28.1B+0.2%	$28.1B+0.8%	$27.9B+0.6%	$27.7B+2.5%	$27.1B-1.1%	$27.4B+0.2%	$27.3B+1.6%	$26.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$613.4M+6.7%	$575.0M-9.7%	$636.7M+22.5%	$519.9M-7.6%	$562.9M-41.5%	$961.9M-4.2%	$1.0B+32.2%	$759.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$925.1M0.0%	$925.1M+2.0%	$907.1M0.0%	$907.1M-1.0%	$916.2M-0.6%	$921.3M+0.1%	$919.9M0.0%	$919.9M
Total Liabilities	$24.5B+0.3%	$24.5B+0.4%	$24.4B+0.3%	$24.3B+2.4%	$23.7B-1.5%	$24.1B+0.1%	$24.0B+1.5%	$23.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$155.3M+0.1%	$155.1M-39.0%	$254.3M+0.1%	$254.2M-21.8%	$324.9M0.0%	$324.9M0.0%	$324.8M0.0%	$324.8M
Total Equity	$3.6B-0.4%	$3.6B+3.2%	$3.5B+2.0%	$3.4B+2.7%	$3.3B+1.3%	$3.3B+1.2%	$3.3B+2.4%	$3.2B
Retained Earnings	$858.4M+7.0%	$802.6M+6.3%	$755.0M+5.7%	$714.1M+9.5%	$652.2M+6.1%	$614.6M+5.7%	$581.2M-2.6%	$596.6M

UCB Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$349.7M+19.0%	$294.0M-51.6%	$607.3M+69.0%	$359.3M+126.4%	$158.7M+3.1%	$153.9M
Capital Expenditures	$47.0M-35.1%	$72.5M+69.7%	$42.7M+61.3%	$26.5M+43.4%	$18.5M-11.9%	$20.9M
Free Cash Flow	$302.7M+36.7%	$221.5M-60.8%	$564.6M+69.6%	$332.8M+137.4%	$140.2M+5.4%	$133.0M
Investing Cash Flow	-$991.0M-506.9%	-$163.3M+91.9%	-$2.0B-11.8%	-$1.8B-14.3%	-$1.6B-1068.4%	$163.2M
Financing Cash Flow	$157.3M-30.5%	$226.3M+187.5%	-$258.8M-112.0%	$2.2B-14.2%	$2.5B+2046.7%	-$129.2M
Dividends Paid	$112.3M+6.9%	$105.1M+21.0%	$86.9M+29.8%	$66.9M+13.6%	$58.9M+11.1%	$53.0M
Share Buybacks	N/A	$0	$0-100.0%	$15.1M-27.3%	$20.8M+59.6%	$13.0M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$123.1M+27.1%	$96.8M-1.8%	$98.6M-33.4%	$148.1M+40.9%	$105.1M+18.3%	$88.8M+307.8%	$21.8M-75.0%	$87.2M
Capital Expenditures	$5.4M-55.6%	$12.1M+181.0%	$4.3M-22.1%	$5.5M-69.0%	$17.9M+30.3%	$13.7M+2.9%	$13.3M-13.2%	$15.3M
Free Cash Flow	$117.7M+38.9%	$84.7M-10.2%	$94.3M-33.8%	$142.6M+63.4%	$87.2M+16.2%	$75.1M+789.1%	$8.4M-88.2%	$71.8M
Investing Cash Flow	-$19.6M-112.2%	$159.7M+382.3%	-$56.6M+91.7%	-$680.6M-445.6%	-$124.8M-1.8%	-$122.5M+23.9%	-$160.9M-199.9%	$161.1M
Financing Cash Flow	-$65.1M+79.6%	-$318.3M-525.6%	$74.8M-76.1%	$312.4M+182.3%	-$379.4M-4505.6%	-$8.2M-102.1%	$383.5M+292.2%	-$199.5M
Dividends Paid	$29.5M+1.6%	$29.1M+0.1%	$29.1M0.0%	$29.0M+4.6%	$27.8M+0.1%	$27.7M0.0%	$27.7M+3.3%	$26.9M
Share Buybacks	$0	N/A	N/A	$0	N/A	N/A	N/A	N/A

UCB Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	28.0%+4.7pp	23.3%-10.3pp	33.6%-2.7pp	36.2%+7.8pp	28.4%-4.7pp	33.1%
Return on Equity	7.3%+1.6pp	5.8%-4.5pp	10.3%-1.9pp	12.1%+4.0pp	8.2%-3.2pp	11.3%
Return on Assets	0.9%+0.2pp	0.7%-0.5pp	1.2%-0.1pp	1.3%+0.4pp	0.9%-0.5pp	1.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.07-0.0	0.10-0.0	0.120.0	0.11-0.1	0.16+0.0	0.13
FCF Margin	33.6%+6.0pp	27.6%-40.8pp	68.3%+23.6pp	44.7%+20.4pp	24.3%+0.6pp	23.7%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	33.1%+2.8pp	30.3%+1.4pp	28.8%-9.1pp	37.9%+10.8pp	27.2%+0.9pp	26.2%+17.7pp	8.5%-14.9pp	23.4%
Return on Equity	2.5%+0.4pp	2.2%+0.1pp	2.0%-0.2pp	2.2%+0.2pp	2.0%+0.1pp	1.9%+1.5pp	0.4%-1.1pp	1.5%
Return on Assets	0.3%+0.1pp	0.3%+0.0pp	0.3%-0.0pp	0.3%+0.0pp	0.3%+0.0pp	0.2%+0.2pp	0.1%-0.1pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.040.0	0.04-0.0	0.070.0	0.07-0.0	0.100.0	0.100.0	0.100.0	0.10
FCF Margin	42.5%+10.0pp	32.6%-5.5pp	38.1%-33.2pp	71.3%+35.7pp	35.6%+4.1pp	31.5%+26.4pp	5.1%-30.1pp	35.2%

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Frequently Asked Questions

What is United Cmnty Bks Blairsvle Ga's annual revenue?

United Cmnty Bks Blairsvle Ga (UCB) reported $901.2M in total revenue for fiscal year 2024. This represents a 12.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is United Cmnty Bks Blairsvle Ga's revenue growing?

United Cmnty Bks Blairsvle Ga (UCB) revenue grew by 12.1% year-over-year, from $803.8M to $901.2M in fiscal year 2024.

Is United Cmnty Bks Blairsvle Ga profitable?

Yes, United Cmnty Bks Blairsvle Ga (UCB) reported a net income of $252.4M in fiscal year 2024, with a net profit margin of 28.0%.

What is United Cmnty Bks Blairsvle Ga's earnings per share (EPS)?

United Cmnty Bks Blairsvle Ga (UCB) reported diluted earnings per share of $2.04 for fiscal year 2024. This represents a 32.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

How much debt does United Cmnty Bks Blairsvle Ga have?

As of fiscal year 2024, United Cmnty Bks Blairsvle Ga (UCB) had $519.9M in cash and equivalents against $254.2M in long-term debt.

What is United Cmnty Bks Blairsvle Ga's net profit margin?

United Cmnty Bks Blairsvle Ga (UCB) had a net profit margin of 28.0% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does United Cmnty Bks Blairsvle Ga pay dividends?

Yes, United Cmnty Bks Blairsvle Ga (UCB) paid $0.94 per share in dividends during fiscal year 2024.

What is United Cmnty Bks Blairsvle Ga's return on equity (ROE)?

United Cmnty Bks Blairsvle Ga (UCB) has a return on equity of 7.3% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is United Cmnty Bks Blairsvle Ga's free cash flow?

United Cmnty Bks Blairsvle Ga (UCB) generated $302.7M in free cash flow during fiscal year 2024. This represents a 36.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is United Cmnty Bks Blairsvle Ga's operating cash flow?

United Cmnty Bks Blairsvle Ga (UCB) generated $349.7M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are United Cmnty Bks Blairsvle Ga's total assets?

United Cmnty Bks Blairsvle Ga (UCB) had $27.7B in total assets as of fiscal year 2024, including both current and long-term assets.

What are United Cmnty Bks Blairsvle Ga's capital expenditures?

United Cmnty Bks Blairsvle Ga (UCB) invested $47.0M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

How many shares does United Cmnty Bks Blairsvle Ga have outstanding?

United Cmnty Bks Blairsvle Ga (UCB) had 119M shares outstanding as of fiscal year 2024.

What is United Cmnty Bks Blairsvle Ga's debt-to-equity ratio?

United Cmnty Bks Blairsvle Ga (UCB) had a debt-to-equity ratio of 0.07 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is United Cmnty Bks Blairsvle Ga's return on assets (ROA)?

United Cmnty Bks Blairsvle Ga (UCB) had a return on assets of 0.9% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is United Cmnty Bks Blairsvle Ga's Piotroski F-Score?

United Cmnty Bks Blairsvle Ga (UCB) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are United Cmnty Bks Blairsvle Ga's earnings high quality?

United Cmnty Bks Blairsvle Ga (UCB) has an earnings quality ratio of 1.39x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is United Cmnty Bks Blairsvle Ga?

United Cmnty Bks Blairsvle Ga (UCB) scores 73 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.