United Community Banks, Inc. (UCB) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 17, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 5, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the UCB SEC filings page.
United Community Banks, Inc. (UCB) reported $1.1B in revenue over the twelve months to Jun 30, 2026, up 13.8% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
United Community Banks' earnings recovery is occurring on a heavily liability-funded balance sheet, while cash flow continues to track reported profits closely.
From FY2023 to FY2025, net income rose from$187.5M to$328.1M while assets increased only from$27.3B to$28.0B . That earnings recovery lifted return on assets from0.7% to1.2% , indicating better profit generation from a largely stable asset base rather than growth driven mainly by balance-sheet expansion.
In FY2025, operating cash flow of
FY2025 liabilities were
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of United Community Banks, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
United Community Banks, Inc. earned a return on assets of 1.2% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.9% the prior year. Earnings ranks banks on that return over three years, and United Community Banks, Inc. scores 60/100 among other banks.
United Community Banks, Inc. reported revenue of $1.1B in fiscal year 2025, against $952.1M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and United Community Banks, Inc. scores 55/100 among other banks.
United Community Banks, Inc. funded 13.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $3.6B of equity against $28.0B of assets. Capital ranks banks on that cushion, and United Community Banks, Inc. scores 68/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. United Community Banks, Inc. scores 67/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. United Community Banks, Inc. scores 40/100 on it among other banks.
United Community Banks, Inc. reported net income of $328.1M in fiscal year 2025, against $252.4M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and United Community Banks, Inc. scores 67/100 among other banks.
United Community Banks, Inc. passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, United Community Banks, Inc. generates $1.17 in operating cash flow ($384.0M OCF vs $328.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
United Community Banks, Inc. generated $279.3M in revenue in Q2 2026. This represents an increase of 7.3% from the same quarter a year earlier. Against the prior quarter it is up 1.0%.
United Community Banks, Inc. reported $115.6M in net income in Q2 2026. This represents an increase of 46.9% from the same quarter a year earlier. Against the prior quarter it is up 37.2%.
United Community Banks, Inc. earned $0.95 per diluted share (EPS) in Q2 2026. This represents an increase of 50.8% from the same quarter a year earlier. Against the prior quarter it is up 37.7%.
Not reported for Q2 2026.
Cash & Balance Sheet
United Community Banks, Inc. generated $121.4M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 43.3% from the same quarter a year earlier. Against the prior quarter it is up 94.7%.
United Community Banks, Inc. held $455.1M in cash against $20.6M in long-term debt as of Q2 2026.
United Community Banks, Inc. paid $0.25 per share in dividends in Q2 2026. This represents an increase of 4.2% from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
United Community Banks, Inc.'s net profit margin was 41.4% in Q2 2026, showing the share of revenue converted to profit. This is up 11.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 10.9 percentage points.
United Community Banks, Inc.'s ROE was 3.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.8 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
United Community Banks, Inc. repurchased no shares in Q2 2026. This represents a decrease of 100.0% from the same quarter a year earlier. Against the prior quarter it is down 100.0%.
United Community Banks, Inc. invested $9.2M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 24.0% from the same quarter a year earlier. Against the prior quarter it is up 33.1%.
Not reported for Q2 2026.
UCB Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $279.3M+7.3% | $276.5M+11.6% | $278.4M+11.0% | $276.8M+27.4% | $260.2M+6.1% | $247.7M+3.7% | $250.9M+39.1% | $217.3M-7.4% |
| SG&A Expenses | $96.2M+10.6% | $101.2M+20.2% | $92.5M+7.9% | $90.7M+8.5% | $87.0M+1.4% | $84.3M-0.8% | $85.7M+4.1% | $83.5M+2.9% |
| Interest Expense | $103.5M-15.1% | $101.2M-18.0% | $108.4M-19.5% | $120.2M-14.1% | $121.8M-11.9% | $123.3M-10.4% | $134.6M-0.5% | $139.9M+16.0% |
| Income Tax | $33.5M+54.0% | $24.1M+21.9% | $26.2M+27.3% | $26.6M+113.7% | $21.8M+12.4% | $19.7M+8.5% | $20.6M+800.9% | $12.4M+4.3% |
| Net Income | $115.6M+46.9% | $84.3M+18.0% | $86.5M+14.1% | $91.5M+93.2% | $78.7M+18.2% | $71.4M+14.0% | $75.8M+438.0% | $47.3M-1.1% |
| EPS (Basic) | $0.95+50.8% | $0.69+19.0% | $0.70+14.8% | $0.71+86.8% | $0.63+16.7% | $0.58+13.7% | $0.61+510.0% | $0.38-2.6% |
| EPS (Diluted) | $0.95+50.8% | $0.69+19.0% | $0.71+16.4% | $0.70+84.2% | $0.63+16.7% | $0.58+13.7% | $0.61+510.0% | $0.38-2.6% |
| Diluted Shares (Avg) | 120M-0.8% | 121M+0.4% | N/A | 122M+1.9% | 121M+1.4% | 120M+0.4% | N/A | 120M+0.3% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
UCB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $29.1B+3.4% | $28.2B+1.1% | $28.0B+1.0% | $28.1B+2.8% | $28.1B+3.8% | $27.9B+1.9% | $27.7B+1.5% | $27.4B+1.9% |
| Cash & Equivalents | $455.1M-20.8% | $493.1M-22.5% | $395.8M-23.9% | $613.4M-17.1% | $575.0M+2.1% | $636.7M-33.8% | $519.9M-48.2% | $740.0M-2.6% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | N/A | N/A | $925.1M+2.0% | $925.1M+1.0% | $925.1M+1.0% | $907.1M-1.5% | $907.1M-1.4% | $916.2M-0.4% |
| Total Liabilities | $25.3B+3.4% | $24.5B+0.6% | $24.4B+0.3% | $24.5B+2.4% | $24.5B+3.2% | $24.4B+1.3% | $24.3B+1.1% | $24.0B+1.2% |
| Long-Term Debt | $20.6M-86.7% | $120.5M-52.6% | $120.4M-52.6% | $155.3M-50.9% | $155.1M-52.2% | $254.3M-21.7% | $254.2M-21.8% | $316.4M-2.6% |
| Total Equity | $3.7B+3.7% | $3.7B+4.4% | $3.6B+6.0% | $3.6B+5.6% | $3.6B+8.1% | $3.5B+6.1% | $3.4B+5.2% | $3.4B+7.0% |
| Retained Earnings | $1.1B+31.3% | $968.2M+28.2% | $914.3M+28.0% | $858.4M+28.3% | $802.6M+23.1% | $755.0M+22.8% | $714.1M+22.9% | $669.0M+12.1% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.
UCB Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $130.6M+34.9% | $69.3M-29.8% | $65.5M-55.8% | $123.1M+1490.2% | $96.8M-7.9% | $98.6M+11.1% | $148.1M+580.1% | $7.7M-91.1% |
| Depreciation & Amortization | $19.1M+60.9% | $19.8M+73.1% | $11.8M+26.2% | $10.8M-1.3% | $11.9M+22.0% | $11.4M+5.2% | $9.4M-14.2% | $10.9M+4.8% |
| Stock-Based Compensation | N/A | $3.3M+44.0% | N/A | N/A | N/A | $2.3M-3.4% | N/A | N/A |
| Capital Expenditures | $9.2M-24.0% | $6.9M+60.5% | $5.8M+4.0% | $5.4M-45.8% | $12.1M-32.1% | $4.3M-68.5% | $5.5M-58.4% | $9.9M-35.3% |
| Free Cash Flow | $121.4M+43.3% | $62.4M-33.9% | $59.7M-58.1% | $117.7M+5460.2% | $84.7M-2.9% | $94.3M+25.6% | $142.6M+1587.6% | -$2.2M-103.1% |
| Investing Cash Flow | -$897.0M-661.6% | -$45.5M+19.5% | -$50.2M+92.6% | -$19.6M+69.0% | $159.7M+228.0% | -$56.6M+53.8% | -$680.6M-323.0% | -$63.2M-139.2% |
| Financing Cash Flow | $728.4M+328.8% | $73.6M-1.5% | -$233.0M-174.6% | -$65.1M-128.0% | -$318.3M+16.1% | $74.8M+1007.8% | $312.4M-18.6% | $232.6M+216.6% |
| Dividends Paid | $30.4M+4.5% | $30.6M+5.3% | $30.8M+6.2% | $29.5M+6.4% | $29.1M+4.7% | $29.1M+4.8% | $29.0M+4.7% | $27.8M+3.4% |
| Share Buybacks | $0-100.0% | $37.1M | $30.3M | $0 | $13.9M | $0 | $0 | $0 |
UCB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 41.4%+11.2pp | 30.5%+1.7pp | 31.1%+0.8pp | 33.1%+11.3pp | 30.3%+3.1pp | 28.8%+2.6pp | 30.2%+22.4pp | 21.8%+1.4pp |
| Return on Equity | 3.1%+0.9pp | 2.3%+0.3pp | 2.4%+0.2pp | 2.5%+1.1pp | 2.2%+0.2pp | 2.0%+0.1pp | 2.2%+1.8pp | 1.4%-0.1pp |
| Return on Assets | 0.4%+0.1pp | 0.3%0.0pp | 0.3%0.0pp | 0.3%+0.2pp | 0.3%0.0pp | 0.3%0.0pp | 0.3%+0.2pp | 0.2%0.0pp |
| Debt-to-Equity | 0.010.0x | 0.030.0x | 0.030.0x | 0.040.0x | 0.04-0.1x | 0.070.0x | 0.070.0x | 0.090.0x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 43.5%+10.9pp | 22.6%-15.5pp | 21.4%-35.4pp | 42.5%+43.5pp | 32.6%-3.0pp | 38.1%+6.6pp | 56.8%+52.2pp | -1.0%-31.6pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| United Community Banks, Inc. UCB | FY2025 | $1.1B | $328.1M | 30.9% | $4.1B | 60/100 |
| Associated Banc-Corp ASB | FY2025 | $1.5B | $474.8M | 31.9% | $5.5B | 48/100 |
| Renasant Corporation RNST | FY2025 | $985.8M | $181.3M | 18.4% | $3.6B | 58/100 |
| ServisFirst Bancshares Inc. SFBS | FY2025 | $562.4M | $276.6M | 49.2% | $4.3B | 68/100 |
| Bancfirst Corp BANF | FY2025 | $690.6M | $240.6M | 34.8% | $3.7B | 74/100 |
| International Bancshares Corp IBOC | FY2025 | $842.2M | $412.3M | 49.0% | $4.2B | 60/100 |
Where United Community Banks, Inc. Ranks
Frequently Asked Questions
What is United Community Banks, Inc.'s annual revenue?
United Community Banks, Inc. (UCB) reported $1.1B in total revenue for fiscal year 2025. This represents a 11.7% 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 Community Banks, Inc.'s revenue growing?
United Community Banks, Inc. (UCB) revenue grew by 11.7% year-over-year, from $952.1M to $1.1B in fiscal year 2025.
Is United Community Banks, Inc. profitable?
Yes, United Community Banks, Inc. (UCB) reported a net income of $328.1M in fiscal year 2025, with a net profit margin of 30.9%.
How much debt does United Community Banks, Inc. have?
As of fiscal year 2025, United Community Banks, Inc. (UCB) had $395.8M in cash and equivalents against $120.4M in long-term debt.
What is United Community Banks, Inc.'s net profit margin?
United Community Banks, Inc. (UCB) had a net profit margin of 30.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does United Community Banks, Inc. pay dividends?
Yes, United Community Banks, Inc. (UCB) paid $0.98 per share in dividends during fiscal year 2025.
What is United Community Banks, Inc.'s return on equity (ROE)?
United Community Banks, Inc. (UCB) has a return on equity of 9.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is United Community Banks, Inc.'s free cash flow?
United Community Banks, Inc. (UCB) generated $356.5M in free cash flow during fiscal year 2025. This represents a 17.8% 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 Community Banks, Inc.'s operating cash flow?
United Community Banks, Inc. (UCB) generated $384.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are United Community Banks, Inc.'s total assets?
United Community Banks, Inc. (UCB) had $28.0B in total assets as of fiscal year 2025, including both current and long-term assets.
What are United Community Banks, Inc.'s capital expenditures?
United Community Banks, Inc. (UCB) invested $27.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is United Community Banks, Inc.'s debt-to-equity ratio?
United Community Banks, Inc. (UCB) had a debt-to-equity ratio of 0.03 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is United Community Banks, Inc.'s return on assets (ROA)?
United Community Banks, Inc. (UCB) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is United Community Banks, Inc.'s P/E ratio?
United Community Banks, Inc. (UCB) trades at 10.9x earnings, its market capitalization divided by net income of $377.9M net income, trailing 12 months to June 30, 2026. The market capitalization is $4.1B as of Oct 17, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is United Community Banks, Inc.'s price-to-sales ratio?
United Community Banks, Inc. (UCB) trades at 3.7x sales, its market capitalization divided by revenue of $1.1B revenue, trailing 12 months to June 30, 2026. The market capitalization is $4.1B as of Oct 17, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is United Community Banks, Inc.'s Piotroski F-Score?
United Community Banks, Inc. (UCB) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are United Community Banks, Inc.'s earnings high quality?
United Community Banks, Inc. (UCB) has an earnings quality ratio of 1.17x, 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 Community Banks, Inc.?
United Community Banks, Inc. (UCB) scores 60 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.