United Community Banks, Inc. (UCBI) — Financial statements
Income statement, balance sheet, and cash flow for United Community Banks, Inc. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 1,063↑18.0% | 901↑12.1% | 804↓7.4% | 868↑16.6% | 744 | |
| Cost of Revenue | 399↑3.9% | 384 | 0.00 | 0.00 | 0.00 | |
| Gross Profit | 664↑28.4% | 517↓60.6% | 1,313↑51.2% | 868↑26.5% | 687 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 25↓0.6% | 25↓92.9% | 346↑20.9% | 286↑15.0% | 249 | |
| Selling & Marketing Expenses | 0.00 | 0.00↓100.0% | 9↑13.0% | 8↑41.9% | 6 | |
| SG&A Expenses | 25↓0.6% | 25↓93.0% | 355↑20.7% | 294↑15.6% | 255 | |
| Other Expenses | 0.00 | 0.00↓100.0% | 216↑22.9% | 176↑23.8% | 142 | |
| Operating Expenses | 25↓0.6% | 25↓95.7% | 571↑21.5% | 470↑18.5% | 397 | |
| Total Costs & Expenses | 424↑3.7% | 409↓28.4% | 571↑21.5% | 470↑18.5% | 397 | |
| Operating Results | ||||||
| Operating Income | 639↑29.9% | 492↑62.7% | 302↓22.9% | 392↑5.1% | 373 | |
| Depreciation & Amortization | 0.00 | 0.00↓100.0% | 34↑43.4% | 24↑20.7% | 20 | |
| EBITDA | 639↑29.9% | 492↑743.0% | -77↓72.2% | -44↓30.9% | -34 | |
| EBIT | 0.00 | 0.00↑100.0% | -45↑3.7% | -47↓2363.7% | 2 | |
| Interest & Other Income | ||||||
| Net Interest Income | 0.00↑100.0% | -550↓167.3% | 818↑8.7% | 752↑37.0% | 549 | |
| Interest Income | 0.00 | 0.00↓100.0% | 1,237↑52.1% | 813↑40.5% | 579 | |
| Interest Expense | 474↓13.9% | 550↑31.2% | 419↑589.7% | 61↑104.3% | 30 | |
| Non-Operating Income | 0.00 | 0.00↓100.0% | 917↑109.0% | 439↓35.9% | 684 | |
| Other Income / Expenses | -217↓28.2% | -169↓142.1% | -70↓93.5% | -36↓42.0% | -25 | |
| Income Before Tax | 422↑30.8% | 323↑38.9% | 233↓34.7% | 356↑2.4% | 348 | |
| Income Tax Expense | 94↑33.6% | 71↑56.9% | 45↓42.7% | 79↑0.7% | 78 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 328↑30.0% | 252↑34.6% | 188↓32.4% | 277↑2.8% | 270 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 328↑30.0% | 252↑34.6% | 188↓32.4% | 277↑2.8% | 270 | |
| Bottom-Line Net Income | 328↑30.0% | 252↑39.6% | 181↓32.8% | 269↑3.0% | 261 | |
| EPS (Basic) | 2.62↑28.4% | 2.04↑32.5% | 1.54↓38.9% | 2.52↓15.2% | 2.97 | |
| EPS (Diluted) | 2.62↑28.4% | 2.04↑32.5% | 1.54↓38.9% | 2.52↓15.2% | 2.97 | |
| Weighted Average Shares | 121↑1.3% | 120↑1.9% | 118↑10.3% | 107↑21.3% | 88 | |
| Weighted Average Diluted Shares | 121↑1.3% | 120↑1.8% | 118↑10.3% | 107↑21.2% | 88 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.