United Community Banks, Inc.(UCB)

$32.09▲0.14 (43.82%)

United Community Banks, Inc.(UCB)

NYSE

$32.09▲0.14 (43.82%)

Overview Intelligence Chart Fundamentals Key Metrics Earnings Growth Analysts Financials Insiders Institutional

Revenue (LTM)

$1.5B

+3.8% YoY

Net Income (LTM)

$328M

+30.0% YoY

Free Cash Flow

$408M

Revenue CAGR (5Y)

+21.0%

Marginsdeclining

FCF$0.4B

Profitable

Watch on earnings:Net interest margin (NIM) - basis point changes quarter-over-quarter and guidance for next quarterLoan growth by segment - particularly commercial real estate and C&I loan originations and pipeline commentaryNon-performing assets to total assets ratio and provision expense - credit quality indicatorsEfficiency ratio - non-interest expense as percentage of revenue; target typically 55-60% for regional banksTangible book value per share growth - key metric for bank valuation given 1.2x P/TBV multiple

Key metrics:Federal Funds Rate and forward guidance - directly impacts NIM and loan demand; 25 bps rate change typically moves NIM by 5-8 bps · 10Y-2Y Treasury yield curve spread - steepening benefits lending margins; inversion signals recession and credit deterioration ahead · Southeastern regional unemployment rates (GA, NC, SC, TN, FL) - leading indicator for consumer and small business credit quality · Commercial real estate price indices and cap rates in core markets - Atlanta, Charlotte, Nashville, Tampa CRE fundamentals drive largest loan segment

Income Statement

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	716	929↑29.7%	1,291↑39.0%	1,480↑14.6%	1,537↑3.8%
Gross Profit	724	804↑11.1%	783↓2.7%	879↑12.3%	1,014↑15.4%
Operating Income	348	356↑2.4%	233↓34.7%	323↑38.9%	422↑30.8%
Net Income	270	277↑2.8%	188↓32.4%	252↑34.6%	328↑30.0%
EBITDA	346	403↑16.5%	278↓31.1%	364↑31.1%	457↑25.4%
EPS Diluted	2.97	2.52↓15.2%	1.54↓38.9%	2.04↑32.5%	2.62↑28.4%

Balance Sheet

⚠ Commercial real estate concentration risk - office property exposure particularly vulnerable to remote work trends; any CRE downturn requires significant reserve builds

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	2,292	512↓77.7%	1,004↑96.1%	520↓48.2%	203↓61.0%
Total Current Assets	6,831	4,199↓38.5%	4,423↑5.3%	5,042↑14.0%	4,037↓19.9%
Total Assets	20,947	24,009↑14.6%	27,297↑13.7%	27,720↑1.5%	28,003↑1.0%
Total Current Liabilities	18,452	20,493↑11.1%	23,311↑13.7%	23,656↑1.5%	23,883↑1.0%
Total Liabilities	18,725	21,308↑13.8%	24,036↑12.8%	24,288↑1.1%	24,364↑0.3%
Total Equity	2,222	2,701↑21.5%	3,262↑20.8%	3,432↑5.2%	3,639↑6.0%
Total Debt	247	1,193↑382.1%	325↓72.8%	449↑38.3%	205↓54.3%
Net Debt	-2,044	681↑133.3%	-679↓199.8%	-71↑89.6%	3↑104.0%

Cash Flow Statement

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	359	607↑69.0%	294↓51.6%	350↑19.0%	435↑24.5%
Capital Expenditure	-26	-43↓61.3%	-72↓69.7%	-47↑35.1%	-28↑41.4%
Free Cash Flow	333	565↑69.6%	221↓60.8%	303↑36.7%	408↑34.7%
Stock-Based Comp	7	9↑32.8%	9↑2.6%	11↑20.9%	11↑5.6%
Net Change in Cash	710	-1,672↓335.5%	357↑121.4%	-484↓235.6%	69↑114.3%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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