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UCB

United Community Banks, Inc.

UCB

United Community Banks, Inc. • NYSE
$30.56 ▼ -1.20% (-0.37)
Market Cap $3.71 B
52w High $34.57
52w Low $22.93
Dividend Yield 0.97%
P/E 12.13
Volume 427.57K
Outstanding Shares 121.55M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $276.848M ▼ $6.282M ▼ $91.549M ▲ 33.068% ▲ $0.71 ▲ $179.181M ▲
Q2-2025 $376.173M ▲ $142.019M ▲ $78.733M ▲ 20.93% ▲ $0.63 ▲ $112.38M ▲
Q1-2025 $366.263M ▼ $136.349M ▼ $71.413M ▼ 19.498% ▼ $0.58 ▼ $102.607M ▼
Q4-2024 $379.633M ▲ $137.205M ▲ $75.804M ▲ 19.968% ▲ $0.61 ▲ $105.793M ▲
Q3-2024 $350.517M $136.405M $47.347M 13.508% $0.38 $70.715M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $4.503B ▼ $28.143B ▲ $24.547B ▲ $3.597B ▼
Q2-2025 $4.636B ▼ $28.086B ▲ $24.473B ▲ $3.613B ▲
Q1-2025 $4.959B ▲ $27.874B ▲ $24.373B ▲ $3.501B ▲
Q4-2024 $4.956B ▲ $27.72B ▲ $24.288B ▲ $3.432B ▲
Q3-2024 $4.763B $27.373B $23.966B $3.407B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $91.494M ▲ $123.095M ▲ $-19.557M ▼ $-65.063M ▲ $38.475M ▲ $117.709M ▲
Q2-2025 $78.733M ▲ $96.836M ▼ $159.716M ▲ $-318.308M ▼ $-61.756M ▼ $84.715M ▼
Q1-2025 $71.413M ▼ $98.632M ▼ $-56.579M ▲ $74.786M ▼ $116.839M ▲ $94.319M ▼
Q4-2024 $75.314M ▲ $148.092M ▲ $-680.622M ▼ $312.364M ▲ $-220.166M ▼ $142.553M ▲
Q3-2024 $47.347M $7.741M $-63.151M $232.586M $177.176M $-2.196M

Five-Year Company Overview

Income Statement

Income Statement Revenue has grown steadily over the past five years, showing that the bank is successfully expanding its business and customer base. Profitability was strongest in the middle of the period, then dipped as the interest-rate environment and funding costs became more challenging, before improving again more recently. Earnings are healthy but a bit more volatile than revenue, which is typical for a regional bank navigating rate cycles, credit costs, and acquisition-related expenses. Overall, the income statement tells a story of solid growth with some pressure on margins in the last couple of years, followed by a partial recovery.

Balance Sheet

Balance Sheet The balance sheet has expanded meaningfully, with total assets climbing over time as the bank has grown its lending and footprint. Shareholders’ equity has also risen steadily, which points to a stronger capital base and retained profits supporting future resilience. Debt levels have moved around, including a notable spike at one point, but do not dominate the capital structure given the bank’s size. Cash and liquidity positions have been more up and down, which is not unusual for a bank actively managing its funding mix, but it does underline the importance of careful liquidity and interest-rate risk management. The overall balance sheet picture is of a growing institution that has been building capital while taking on more scale-related complexity.

Cash Flow

Cash Flow Cash generation from operations has been consistently positive, with one particularly strong year and some softer periods around it. Even after investment spending, free cash flow has remained positive, which suggests the bank is able to fund its growth and technology investments from its own operations rather than relying heavily on external financing. Capital spending itself remains modest relative to the size of the business, which fits a banking model that is more about people, technology, and risk management than heavy physical assets. That said, bank cash flows can swing from year to year as loans, deposits, and interest rates move, so the past strength in free cash flow should be viewed as supportive but not guaranteed.

Competitive Edge

Competitive Edge United Community Banks holds a solid niche as a Southeastern regional bank with a strong reputation for relationship-based, high-touch service. Awards from customer satisfaction surveys and industry groups reinforce that its service quality is a genuine differentiator, not just a marketing message. Its focus on local decision-making and deep knowledge of local markets provides an edge versus large national banks that can feel more distant, and versus digital-only players that lack face-to-face presence. The bank also benefits from specialization in small business and certain professional sectors, plus an expanding wealth management arm, which together create multiple touchpoints with customers. The main competitive pressures come from bigger banks with more resources, aggressive pricing for deposits and loans in a high-rate world, and fintechs raising customer expectations on digital experience.

Innovation and R&D

Innovation and R&D Innovation at UCB is less about breakthrough inventions and more about smart, targeted use of technology to support its community banking model. The bank is overhauling its data infrastructure with modern cloud-based partners to get a more unified, accurate view of customers and improve decision-making. It is digitizing and automating small business loan origination, aiming to shorten turnaround times and make borrowing smoother for business clients. On the consumer side, tools like personal finance management, card controls, and quick online lending options blend digital convenience with existing relationships. UCB is also building out wealth management capabilities and looking to integrate them more tightly with commercial and retail banking. The main execution risks are ensuring these technology projects deliver on their promise, maintaining cyber and data security, and keeping pace with rapidly evolving customer expectations.

Summary

Overall, United Community Banks looks like a growing regional bank that has leaned on a strong service culture and community presence, then layered in technology to stay competitive. Revenues and assets have expanded steadily, capital has strengthened, and cash flows have generally supported continued investment and shareholder returns, even as profitability has been somewhat bumpy in recent years. Its competitive moat is built more on reputation, local relationships, and customer satisfaction than on pure scale, with specialized lending and wealth management adding depth to its offering. Future performance will hinge on how well it manages credit quality through the cycle, navigates interest-rate and funding pressures, integrates acquisitions, and executes its digital and data modernization efforts without losing the personal touch that differentiates it.

NEWS

November 13, 2025 · 4:15 PM UTC

United Community Banks, Inc. Announces Quarterly Cash Dividend On Common Stock

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November 13, 2025 · 10:31 AM UTC

United Community Climbs 32 Spots on American Banker's 2025 Best Banks to Work For List

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October 22, 2025 · 7:30 AM UTC

United Community Banks, Inc. Reports Third Quarter Earnings

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September 26, 2025 · 7:30 AM UTC

United Community Banks, Inc. Announces Date for Third Quarter 2025 Earnings Release and Conference Call

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