UNITED COMMUNITY BANKS INC UCB

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived NYSE

United Community Banks, Inc., headquartered in Greenville, South Carolina, is a bank holding company under the BHC Act and a financial holding company under the GLB Act. We provide diversified financial services primarily through our principal subsidiary, United Community Bank, a South Carolina state-chartered bank. We have grown through a combination of strategic acquisitions and organic growth throughout Georgia, South Carolina, North Carolina, Tennessee, Florida and Alabama as well as nationally through our SBA/USDA lending and equipment finance businesses. As of December 31, 2025, we had consolidated total assets of $28.0 billion.

As a financial holding company, we coordinate the financial resources of the consolidated enterprise and maintain systems of financial, operational, and administrative control intended to coordinate selected policies and activities, including as described in Item 9A of Part II.

Last close 36.99 2026-10-23
Market cap $4.46B 2026-06-30 share count
52-week range 28.65 - 37.34

Valuation FY2025 figures against the last close

P/S4.2x
P/E14.1x
P/FCF12.5x
EV/EBITDA—
Dividend yield2.7%
Diluted EPS2.62

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $1.06B$952.1M$893.2M$826.2M$744.4M$577.4M$561.0M$522.2M$440.4M$42.1M
Interest expense $909.1M$827.4M$817.8M$752.4M$29.8M$56.2M$83.3M$61.3M$33.7M$25.2M
Pre-tax income $422.4M$323.0M$232.5M$356.0M$347.8M$209.4M$238.7M$215.9M$172.8M$163.0M
Income tax $94.3M$70.6M$45.0M$78.5M$78.0M$45.4M$53.0M$49.8M$105.0M$62.3M
Net income $328.1M$252.4M$187.5M$277.5M$269.8M$164.1M$185.7M$166.1M$67.8M$100.7M
EPS, basic 2.622.041.542.522.971.912.312.070.921.40
EPS, diluted 2.622.041.542.522.971.912.312.070.921.40
Shares, diluted (wtd. avg.) 121.4M119.9M117.7M106.8M88.1M83.2M79.7M79.7M73.3M71.9M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $395.8M$519.9M$1.00B$646.9M$2.32B$1.61B$515.2M$327.3M$314.3M$217.3M
Property, plant and equipment $393.7M$394.3M$378.4M$298.5M$245.3M$218.5M$216.0M$206.1M$208.9M$189.9M
Goodwill $925.1M$907.1M$919.9M$751.2M$452.0M$367.8M$327.4M$307.1M$220.6M$142.0M
Other intangibles $42.8M$49.6M$70.2M$28.1M$20.4M$14.0M$14.8M$17.0M$23.8M$14.2M
Total assets $28.00B$27.72B$27.30B$24.01B$20.95B$17.79B$12.92B$12.57B$11.92B$10.71B
Short-term debt $85.0M$195.0M$0$158.9M$0——$0$50.0M$5.0M
Long-term debt $120.4M$254.2M$324.8M$324.7M$247.4M$327.0M$212.7M$267.2M$120.5M$175.1M
Total liabilities $24.36B$24.29B$24.04B$21.31B$18.72B$15.79B$11.28B$11.12B$10.61B$9.63B
Retained earnings $914.3M$714.1M$581.2M$508.8M$330.7M$136.9M$40.2M-$90.4M-$209.9M-$251.9M
Total equity $3.64B$3.43B$3.26B$2.70B$2.22B$2.01B$1.64B$1.46B$1.30B$1.08B

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $384.0M$349.7M$294.0M$607.3M$359.3M$158.7M$153.9M$270.0M$208.0M$139.9M
Depreciation and amortisation $46.0M$40.9M$45.0M$46.7M-$2.1M-$8.6M$24.0M$31.0M$27.5M$30.0M
Stock-based compensation $11.4M$10.8M$8.9M$8.7M$6.6M$7.9M$9.4M$6.1M$5.8M$4.5M
Capital expenditure $27.6M$47.0M$72.5M$42.7M$26.5M$18.5M$20.9M$17.6M$22.2M$17.4M
Investing cash flow $33.4M-$991.0M-$163.3M-$2.02B-$1.81B-$1.58B$163.2M-$359.5M-$45.5M-$732.3M
Financing cash flow -$541.6M$157.3M$226.3M-$258.8M$2.16B$2.52B-$129.2M$102.5M-$65.5M$569.4M
Dividends paid $118.5M$112.3M$105.1M$86.9M$66.9M$58.9M$53.0M$41.6M$26.2M$15.8M
Buybacks $44.3M$0$0$0$15.1M$20.8M$13.0M$0$0$13.7M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0000857855-26-000008.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 500M 1B 1.5B Revenue, FY2016: 42.1M Net income, FY2016: 100.7M Revenue, FY2017: 440.4M Net income, FY2017: 67.8M Revenue, FY2018: 522.2M Net income, FY2018: 166.1M Revenue, FY2019: 561M Net income, FY2019: 185.7M Revenue, FY2020: 577.4M Net income, FY2020: 164.1M Revenue, FY2021: 744.4M Net income, FY2021: 269.8M Revenue, FY2022: 826.2M Net income, FY2022: 277.5M Revenue, FY2023: 893.2M Net income, FY2023: 187.5M Revenue, FY2024: 952.1M Net income, FY2024: 252.4M Revenue, FY2025: 1.1B Net income, FY2025: 328.1M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $42.1M $440.4M $522.2M $561.0M $577.4M $744.4M $826.2M $893.2M $952.1M $1.06B
Gross profit — — — — — — — — — —
Net income $100.7M $67.8M $166.1M $185.7M $164.1M $269.8M $277.5M $187.5M $252.4M $328.1M

Recent filings and events

  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Officer or director change Item 5.02
  • Regulation FD disclosure Item 7.01
  • Other event Item 8.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Item 7.01
  • Other event Item 8.01
  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • Regulation FD disclosure Item 7.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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