UCB
$34.09+0.12%
United Community Banks Inc.Stock · FinancialsRussell 2000 0.1%US Stock Market 0.006%Russell 3000 0.006%
UCB financial statements
The full income statement, balance sheet, and cash-flow statement for United Community Banks Inc. (UCB), plus valuation ratios — straight from SEC filings. Switch between annual, quarterly, and trailing-twelve-month figures, pick how far back to look, and flip the time order. Every line has a trend sparkline.
Shares outstanding (point-in-time)
2024-06 119.2M2024-09 119.3M2024-12 119.4M2025-03 121.5M2025-06 121.5M2025-09 121.6M2025-12 119.6M2026-03 119.7M2026-06 120.6M+1.2% over 8 periods
SEC-filed end-of-period counts (cover pages and balance sheets, split-adjusted) — the series realized buyback yield is computed from. The weighted-average share lines in the statements below lag these by design: an average over the year sits near the midpoint of an ongoing buyback.
As-reported fiscal years.
| Line item | Trend | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Income Statement | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 1.06B+11.7% | 952M+6.6% | 893M+8.1% | 826M+16.9% | 707M+22.4% | ||
| Lease income | — | — | — | — | 976K-4.5% | |
| Noninterest income | 154M+23.5% | 125M+65.3% | 75.5M-45.2% | 138M-12.7% | 158M+1.1% | |
| Amortization of intangibles | 13.1M-10.4% | 14.6M-3.8% | 15.2M+122.3% | 6.83M+68.8% | 4.04M-3.0% | |
| Noninterest expense | 592M+2.4% | 578M+1.2% | 571M+21.5% | 470M+18.5% | 397M+7.8% | |
| Provision for credit losses | 48.8M-4.2% | 51.0M-43.0% | 89.4M+39.9% | 63.9M+270.2% | -37.5M-146.7% | |
| Interest expense | — | — | 419M+589.7% | 60.8M+104.3% | 29.8M-47.1% | |
| Interest & investment income | 1.38B+0.4% | 1.38B+11.4% | 1.24B+52.1% | 813M+40.5% | 579M+3.7% | |
| Net interest income | 909M+9.9% | 827M+1.2% | 818M+8.7% | 752M+37.0% | 549M+9.4% | |
| Pre-tax income | 422M+30.8% | 323M+38.9% | 233M-34.7% | 356M+2.4% | 348M+66.0% | |
| Income tax | 94.3M+33.6% | 70.6M+56.9% | 45.0M-42.7% | 78.5M+0.7% | 78.0M+71.9% | |
| 328M+30.0% | 252M+34.6% | 188M-32.4% | 277M+2.8% | 270M+64.4% | ||
| Preferred dividends | — | — | 6.63M-3.5% | 6.88M-0.0% | 6.88M+94.6% | |
| Net income to common | 318M+30.1% | 245M+35.3% | 181M-32.8% | 269M+3.0% | 261M+64.0% | |
| $2.62+28.4% | $2.04+32.5% | $1.54-38.9% | $2.52-15.2% | $2.97+55.5% | ||
| EPS (basic) | $2.62+28.4% | $2.04+32.5% | $1.54-38.9% | $2.52-15.2% | $2.97+55.5% | |
| Weighted-avg shares (basic) | 121M+1.3% | 120M+1.9% | 118M+10.3% | 107M+21.3% | 87.9M+5.7% | |
| Weighted-avg shares (diluted) | 121M+1.3% | 120M+1.8% | 118M+10.3% | 107M+21.2% | 88.1M+5.8% | |
| Dividends per share | $0.98+4.3% | $0.94+2.2% | $0.92+7.0% | $0.86+10.3% | $0.78+8.3% | |
| Balance Sheet | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Cash & equivalents | 396M-23.9% | 520M-48.2% | 1.00B+55.2% | 647M-72.1% | 2.32B+44.1% | |
| 28.0B+1.0% | 27.7B+1.5% | 27.3B+13.7% | 24.0B+14.6% | 20.9B+17.7% | ||
| Property, plant & equipment | 394M-0.1% | 394M+4.2% | 378M+26.8% | 298M+21.7% | 245M+12.3% | |
| Operating lease right-of-use | 37.0M-13.5% | 42.8M+0.0% | 42.8M+7.0% | 40.0M+36.0% | 29.4M-6.3% | |
| Goodwill | 925M+2.0% | 907M-1.4% | 920M+22.5% | 751M+66.2% | 452M+22.9% | |
| Intangible assets | 42.8M-13.7% | 49.6M-29.4% | 70.2M+150.0% | 28.1M+37.6% | 20.4M+45.6% | |
| Deferred tax assets | 75.9M-21.8% | 97.0M-14.3% | 113M-12.4% | 129M+212.9% | 41.3M+7.6% | |
| Short-term & current debt | 85.0M-56.4% | 195M | 0.00-100.0% | 159M | 0.00 | |
| 24.4B+0.3% | 24.3B+1.1% | 24.0B+12.8% | 21.3B+13.8% | 18.7B+18.6% | ||
| Long-term debt | 120M-52.6% | 254M-21.8% | 325M+0.0% | 325M+31.3% | 247M-24.3% | |
| Operating lease liability (total) | 38.4M-15.1% | 45.2M+2.3% | 44.1M+5.9% | 41.7M+34.2% | 31.1M-6.1% | |
| 3.64B+6.0% | 3.43B+5.2% | 3.26B+20.8% | 2.70B+21.5% | 2.22B+10.7% | ||
| Common stock | 121M+1.0% | 119M+0.3% | 119M+12.0% | 106M+18.9% | 89.3M+3.1% | |
| Additional paid-in capital | 2.75B+1.1% | 2.72B+0.9% | 2.70B+17.0% | 2.31B+34.0% | 1.72B+5.0% | |
| Retained earnings | 914M+28.0% | 714M+22.9% | 581M+14.2% | 509M+53.9% | 331M+141.6% | |
| Accumulated other comprehensive income | -151M+29.3% | -213M+11.0% | -239M+27.4% | -329M-1144.5% | -26.5M-170.2% | |
| Total liabilities & equity | 28.0B+1.0% | 27.7B+1.5% | 27.3B+13.7% | 24.0B+14.6% | 20.9B+17.7% | |
| Common shares issued | 121M+1.0% | 119M+0.3% | 119M+12.0% | 106M+18.9% | 89.3M+3.1% | |
| Common shares outstanding | 121M+1.0% | 119M+0.3% | 119M+12.0% | 106M+18.9% | 89.3M+3.1% | |
| Shares outstanding (cover) | 120M+0.1% | 119M+0.3% | 119M+3.5% | 115M+8.5% | 106M+22.2% | |
| Cash Flow | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 384M+9.8% | 350M+19.0% | 294M-51.6% | 607M+69.0% | 359M+126.4% | ||
| Depreciation & amortization | 46.0M+12.3% | 40.9M-9.0% | 45.0M-3.7% | 46.7M+2363.7% | -2.06M+76.0% | |
| Intangible amortization | 13.1M-10.4% | 14.6M-3.8% | 15.2M+122.3% | 6.83M+68.8% | 4.04M-3.0% | |
| Share-based compensation | 11.4M+5.6% | 10.8M+20.9% | 8.93M+2.6% | 8.71M+32.8% | 6.55M-16.9% | |
| Deferred income taxes | 10.1M+41.0% | 7.20M+12.6% | 6.39M-41.5% | 10.9M-47.5% | 20.8M+679.1% | |
| 33.4M+103.4% | -991M-506.9% | -163M+91.9% | -2.02B-11.8% | -1.81B-14.3% | ||
| Capital expenditure | 27.6M-41.4% | 47.0M-35.1% | 72.5M+69.7% | 42.7M+61.3% | 26.5M+43.4% | |
| Free cash flow | 356M+17.8% | 303M+36.7% | 221M-60.8% | 565M+69.6% | 333M+137.4% | |
| Acquisitions | -41.2M-380.1% | -8.59M+95.9% | -208M-489.0% | -35.2M+65.8% | -103M+47.3% | |
| Sales/maturities of investments | 771M+12.2% | 687M+6.3% | 646M-8.5% | 706M-27.5% | 975M+16.8% | |
| Proceeds from sale of PP&E | — | 1.16M-75.2% | 4.67M-52.1% | 9.74M+129.4% | 4.25M+370.3% | |
| -542M-444.3% | 157M-30.5% | 226M+187.5% | -259M-112.0% | 2.16B-14.2% | ||
| Long-term debt issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Long-term debt repaid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net short-term debt | -110M-156.4% | 195M+156.1% | -348M-318.7% | 159M | 0.00 | |
| Common stock issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock repurchased | 44.3M | 0.00 | 0.00 | 0.00-100.0% | 15.1M-27.3% | |
| Dividends paid | 119M+5.5% | 112M+6.9% | 105M+21.0% | 86.9M+29.8% | 66.9M+13.6% | |
| Net change in cash | -124M+74.4% | -484M-235.6% | 357M+121.4% | -1.67B-335.5% | 710M-35.1% | |
| Interest paid | 476M-13.7% | 551M+35.0% | 409M+595.8% | 58.7M+83.5% | 32.0M-46.6% | |
| Income taxes paid | 49.9M+169.0% | 18.5M-68.0% | 58.0M+14.8% | 50.5M-9.4% | 55.8M+52.6% | |
| Valuation Ratios | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Market cap | 3.73B-3.2% | 3.86B+10.9% | 3.48B-3.0% | 3.59B-5.8% | 3.81B+54.4% | |
| P/E | 11.4×-25.6% | 15.3×+12.0% | 13.7×-5.6% | 14.5×+2.5% | 14.1×-6.1% | |
| P/S | 3.5×-13.3% | 4.1×+0.3% | 4.0×-14.0% | 4.7×-12.8% | 5.4×+26.1% | |
| P/B | 1.0×-8.7% | 1.1×+2.8% | 1.1×-19.7% | 1.4×-20.5% | 1.7×+39.5% | |
| P/FCF | 10.5×-17.8% | 12.7×+8.2% | 11.8×+81.1% | 6.5×-43.2% | 11.4×-34.9% | |
| Earnings yield | 8.8%+34.3% | 6.5%-10.7% | 7.3%+5.9% | 6.9%-2.4% | 7.1%+6.5% | |
| FCF yield | 9.5%+21.7% | 7.8%-7.6% | 8.5%-44.8% | 15.4%+76.0% | 8.7%+53.7% | |
| Dividend yield | 3.1%+7.9% | 2.9%-7.5% | 3.1%+23.6% | 2.5%+17.2% | 2.2%-14.3% | |
| Source filing | 10-K | 10-K | 10-K | 10-K | 10-K |
About this data
Source: UCB’s SEC filings (10-K / 10-Q). Annual columns are as-reported fiscal years; quarterly columns are as-reported fiscal quarters (Q4 derived as full-year minus the first three quarters where a company doesn’t file a standalone Q4); TTM (quarterly) rolls the trailing four quarters at every quarter end, TTM (yearly) samples that one year apart; balance-sheet rows show the period-end balance. Valuation ratios are sampled as of each period end. View all UCB filings on SEC EDGAR → Not investment advice.