UCB
UNITED COMMUNITY BANKS INC
NYSE · Financial Services · Banks - Regional · US
$37.81
+2.08%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 1.3B | 1.5B | 1.5B | 1.3B | 928.9M |
| Cost of Revenue | 429.2M | 522.6M | 601.3M | 508.8M | 124.7M |
| Gross Profit | 834.1M | 1.0B | 879.1M | 782.5M | 804.2M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 501.5M | 386.5M | 369.6M | 355.4M | 294.5M |
| General & Admin Expense | 487.7M | 373.4M | 361.0M | 345.9M | 286.1M |
| Selling & Marketing Expense | 13.9M | 13.1M | 8.5M | 9.5M | 8.4M |
| Other Expenses | 157.5M | 205.4M | 186.5M | 194.6M | 153.7M |
| Total Operating Expenses | 659.0M | 591.9M | 556.1M | 550.0M | 448.2M |
| Cost and Expenses | 1.1B | 1.1B | 1.2B | 1.1B | 572.9M |
| Operating Income (EBIT) | 175.2M | 422.4M | 323.0M | 232.5M | 356.0M |
| Non-Operating | |||||
| Interest Income | 1.4B | 1.4B | 1.4B | 1.2B | 813.2M |
| Interest Expense | 424.5M | 473.8M | 550.4M | 419.3M | 60.8M |
| Net Interest Income | 962.8M | 909.1M | 827.4M | 817.8M | 752.4M |
| Other Non-Op Income/Expense | 10.8M | — | — | — | — |
| Non-Operating Income (excl Interest) | — | — | — | — | — |
| EBT (Pre-Tax Income) | 186.0M | 422.4M | 323.0M | 232.5M | 356.0M |
| Income Tax Expense | 39.3M | 94.3M | 70.6M | 45.0M | 78.5M |
| Bottom Line | |||||
| Net Income | 146.6M | 328.1M | 252.4M | 187.5M | 277.5M |
| Earnings from Cont. Ops | 146.6M | 328.1M | 252.4M | 187.5M | 277.5M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 145.1M | 318.7M | 244.6M | 180.8M | 269.1M |
| Per Share | |||||
| Basic EPS | $1.19 | $2.63 | $2.04 | $1.54 | $2.52 |
| Diluted EPS | $1.19 | $2.62 | $2.04 | $1.54 | $2.52 |
| Revenue Per Share | $10.49 | $12.63 | $12.36 | $10.98 | $8.71 |
| Shares | |||||
| Basic Shares Outstanding | 120.5M | 121.7M | 119.8M | 117.6M | 106.7M |
| Diluted Shares Outstanding | 120.5M | 121.8M | 120.0M | 117.7M | 106.8M |
| Profitability Metrics | |||||
| EBITDA | 225.9M | 468.4M | 363.9M | 277.5M | 402.7M |
| D&A | 50.8M | 46.0M | 40.9M | 45.0M | 46.7M |
| EBIT | 175.2M | 422.4M | 323.0M | 232.5M | 356.0M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026