United Community Banks, Inc. (UCB)
NYSE: UCB · Real-Time Price · USD
31.11
-0.25 (-0.80%)
Dec 5, 2025, 4:00 PM EST - Market closed
United Community Banks Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2019 - 2015 |
| Interest Income on Loans | 1,141 | 1,147 | 1,043 | 673.4 | 505.73 | 494.21 | Upgrade
|
| Interest Income on Investments | 240.94 | 230.26 | 194.5 | 139.75 | 73.06 | 63.78 | Upgrade
|
| Total Interest Income | 1,382 | 1,378 | 1,237 | 813.16 | 578.79 | 558 | Upgrade
|
| Interest Paid on Deposits | 487.67 | 535.52 | 395.57 | 42.1 | 14.85 | 41.77 | Upgrade
|
| Interest Paid on Borrowings | 12.35 | 14.85 | 23.77 | 18.7 | 14.92 | 14.47 | Upgrade
|
| Total Interest Expense | 500.02 | 550.37 | 419.34 | 60.8 | 29.76 | 56.24 | Upgrade
|
| Net Interest Income | 881.51 | 827.37 | 817.77 | 752.36 | 549.03 | 501.76 | Upgrade
|
| Net Interest Income Growth (YoY) | 7.44% | 1.17% | 8.69% | 37.03% | 9.42% | 6.89% | Upgrade
|
| Trust Income | 18.28 | 23.7 | 23.74 | 23.59 | 19 | 9.24 | Upgrade
|
| Mortgage Banking Activities | 28.33 | 27.57 | 19.22 | 32.52 | 58.45 | 76.09 | Upgrade
|
| Gain (Loss) on Sale of Investments | -4.8 | -3.32 | -53.33 | -3.87 | 0.08 | 0.75 | Upgrade
|
| Other Non-Interest Income | 104.94 | 98.09 | 76.71 | 74.73 | 69.02 | 64.61 | Upgrade
|
| Total Non-Interest Income | 154.11 | 124.76 | 75.48 | 137.71 | 157.82 | 156.11 | Upgrade
|
| Non-Interest Income Growth (YoY) | 152.04% | 65.28% | -45.19% | -12.74% | 1.09% | 49.08% | Upgrade
|
| Revenues Before Loan Losses | 1,036 | 952.12 | 893.25 | 890.06 | 706.85 | 657.87 | Upgrade
|
| Provision for Loan Losses | 46.53 | 50.95 | 89.43 | 63.91 | -37.55 | 80.43 | Upgrade
|
| Revenue | 989.09 | 901.17 | 803.82 | 826.15 | 744.4 | 577.43 | Upgrade
|
| Revenue Growth (YoY) | 19.54% | 12.11% | -2.70% | 10.98% | 28.92% | 2.94% | Upgrade
|
| Salaries and Employee Benefits | 336.39 | 329.24 | 309.53 | 267.5 | 235.38 | 216.66 | Upgrade
|
| Federal Deposit Insurance | 18.18 | 20.98 | 27.45 | 9.89 | 7.4 | 5.98 | Upgrade
|
| Amortization of Goodwill & Intangibles | 13.28 | 14.6 | 15.18 | 6.83 | 4.05 | 4.17 | Upgrade
|
| Selling, General & Administrative | 165.89 | 161.21 | 152.09 | 133.07 | 107.6 | 107.87 | Upgrade
|
| Other Non-Interest Expense | 41.77 | 42.78 | 39.1 | 32.95 | 27.76 | 25.81 | Upgrade
|
| Total Non-Interest Expense | 576.24 | 569.54 | 544.06 | 450.77 | 382.67 | 360.97 | Upgrade
|
| EBT Excluding Unusual Items | 412.85 | 331.63 | 259.76 | 375.38 | 361.73 | 216.46 | Upgrade
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| Pretax Income | 406.14 | 323.01 | 232.55 | 356 | 347.76 | 209.45 | Upgrade
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| Income Tax Expense | 88.7 | 70.61 | 45 | 78.53 | 77.96 | 45.36 | Upgrade
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| Net Income | 317.44 | 252.4 | 187.54 | 277.47 | 269.8 | 164.09 | Upgrade
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| Preferred Dividends & Other Adjustments | 11.41 | 7.77 | 6.7 | 8.34 | 8.53 | 4.82 | Upgrade
|
| Net Income to Common | 306.03 | 244.63 | 180.85 | 269.14 | 261.27 | 159.27 | Upgrade
|
| Net Income Growth | 66.48% | 34.58% | -32.41% | 2.84% | 64.42% | -11.65% | Upgrade
|
| Basic Shares Outstanding | 121 | 120 | 118 | 107 | 88 | 83 | Upgrade
|
| Diluted Shares Outstanding | 121 | 120 | 118 | 107 | 88 | 83 | Upgrade
|
| Shares Change (YoY) | 1.01% | 1.83% | 10.27% | 21.20% | 5.83% | 4.44% | Upgrade
|
| EPS (Basic) | 2.53 | 2.04 | 1.54 | 2.52 | 2.97 | 1.91 | Upgrade
|
| EPS (Diluted) | 2.52 | 2.04 | 1.54 | 2.52 | 2.97 | 1.91 | Upgrade
|
| EPS Growth | 64.41% | 32.66% | -38.98% | -15.15% | 55.50% | -17.32% | Upgrade
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| Dividend Per Share | 0.970 | 0.940 | 0.920 | 0.860 | 0.780 | 0.720 | Upgrade
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| Dividend Growth | 4.30% | 2.17% | 6.98% | 10.26% | 8.33% | 5.88% | Upgrade
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| Effective Tax Rate | 21.84% | 21.86% | 19.35% | 22.06% | 22.42% | 21.65% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.