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Stocks · Financials · State Commercial Banks

UNITED COMMUNITY BANKS INC

UCB Clue Score55
United States Fiscal year ends December CIK 0000857855
$33.38 -0.60% Close, 9 Oct 2026
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Price $33.38 −0.09% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue0.04Net income0.10EPS, diluted1.40Fiscal year 2017Revenue0.04 −9.1%Net income0.07 −32.6%EPS, diluted0.92 −34.3%Fiscal year 2018Revenue0.04 −6.0%Net income0.17 +144.9%EPS, diluted2.07 +125.0%Fiscal year 2019Revenue0.56 +1,458.3%Net income0.19 +11.8%EPS, diluted2.31 +11.6%Fiscal year 2020Revenue0.58 +2.9%Net income0.16 −11.6%EPS, diluted1.91 −17.3%Fiscal year 2021Revenue0.74 +28.9%Net income0.27 +64.4%EPS, diluted2.97 +55.5%Fiscal year 2022Revenue0.83 +11.0%Net income0.28 +2.8%EPS, diluted2.52 −15.2%Fiscal year 2023Revenue0.89 +8.1%Net income0.19 −32.4%EPS, diluted1.54 −38.9%Fiscal year 2024Revenue0.95 +6.6%Net income0.25 +34.6%EPS, diluted2.04 +32.5%Fiscal year 2025Revenue1.06 +11.7%Net income0.33 +30.0%EPS, diluted2.62 +28.4%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 0.04 0.04 0.04 0.56 0.58 0.74 0.83 0.89 0.95 1.06
Growth −9.1% −6.0% +1,458.3% +2.9% +28.9% +11.0% +8.1% +6.6% +11.7%
Net income 0.10 0.07 0.17 0.19 0.16 0.27 0.28 0.19 0.25 0.33
Growth −32.6% +144.9% +11.8% −11.6% +64.4% +2.8% −32.4% +34.6% +30.0%
EPS, diluted 1.40 0.92 2.07 2.31 1.91 2.97 2.52 1.54 2.04 2.62
Growth −34.3% +125.0% +11.6% −17.3% +55.5% −15.2% −38.9% +32.5% +28.4%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin239.0%Free cash flow margin291.0%Fiscal year 2017Net margin177.1%Free cash flow margin485.1%Fiscal year 2018Net margin461.5%Free cash flow margin701.1%Fiscal year 2019Net margin33.1%Free cash flow margin23.7%Fiscal year 2020Net margin28.4%Free cash flow margin24.3%Fiscal year 2021Net margin36.2%Free cash flow margin44.7%Fiscal year 2022Net margin33.6%Free cash flow margin68.3%Fiscal year 2023Net margin21.0%Free cash flow margin24.8%Fiscal year 2024Net margin26.5%Free cash flow margin31.8%Fiscal year 2025Net margin30.9%Free cash flow margin33.5%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 239.0% 177.1% 461.5% 33.1% 28.4% 36.2% 33.6% 21.0% 26.5% 30.9%
Free cash flow margin 291.0% 485.1% 701.1% 23.7% 24.3% 44.7% 68.3% 24.8% 31.8% 33.5%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow0.14Capital expenditure−0.02Free cash flow0.12Buybacks−0.01Dividends paid−0.02Fiscal year 2017Operating cash flow0.21Capital expenditure−0.02Free cash flow0.19 +51.6%Buybacks0.00Dividends paid−0.03Fiscal year 2018Operating cash flow0.27Capital expenditure−0.02Free cash flow0.25 +35.9%Buybacks0.00Dividends paid−0.04Fiscal year 2019Operating cash flow0.15Capital expenditure−0.02Free cash flow0.13 −47.3%Buybacks−0.01Dividends paid−0.05Fiscal year 2020Operating cash flow0.16Capital expenditure−0.02Free cash flow0.14 +5.4%Buybacks−0.02Dividends paid−0.06Fiscal year 2021Operating cash flow0.36Capital expenditure−0.03Free cash flow0.33 +137.4%Buybacks−0.02Dividends paid−0.07Fiscal year 2022Operating cash flow0.61Capital expenditure−0.04Free cash flow0.56 +69.6%Buybacks0.00Dividends paid−0.09Fiscal year 2023Operating cash flow0.29Capital expenditure−0.07Free cash flow0.22 −60.8%Buybacks0.00Dividends paid−0.11Fiscal year 2024Operating cash flow0.35Capital expenditure−0.05Free cash flow0.30 +36.7%Buybacks0.00Dividends paid−0.11Fiscal year 2025Operating cash flow0.38Capital expenditure−0.03Free cash flow0.36 +17.8%Buybacks−0.04Dividends paid−0.12
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.14 0.21 0.27 0.15 0.16 0.36 0.61 0.29 0.35 0.38
Capital expenditure −0.02 −0.02 −0.02 −0.02 −0.02 −0.03 −0.04 −0.07 −0.05 −0.03
Free cash flow 0.12 0.19 0.25 0.13 0.14 0.33 0.56 0.22 0.30 0.36
Growth +51.6% +35.9% −47.3% +5.4% +137.4% +69.6% −60.8% +36.7% +17.8%
Buybacks −0.01 0.00 0.00 −0.01 −0.02 −0.02 0.00 0.00 0.00 −0.04
Dividends paid −0.02 −0.03 −0.04 −0.05 −0.06 −0.07 −0.09 −0.11 −0.11 −0.12

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash0.22Total debt−0.00Net cash (debt)0.22Shareholders’ equity1.08Debt to equity−0.00Fiscal year 2017Cash0.31Total debt0.12Net cash (debt)0.19Shareholders’ equity1.30Debt to equity0.09Fiscal year 2018Cash0.33Total debt0.27Net cash (debt)0.06Shareholders’ equity1.46Debt to equity0.18Fiscal year 2019Cash0.52Total debt0.21Net cash (debt)0.30Shareholders’ equity1.64Debt to equity0.13Fiscal year 2020Cash1.61Total debt0.33Net cash (debt)1.28Shareholders’ equity2.01Debt to equity0.16Fiscal year 2021Cash2.32Total debt0.25Net cash (debt)2.07Shareholders’ equity2.22Debt to equity0.11Fiscal year 2022Cash0.65Total debt0.32Net cash (debt)0.32Shareholders’ equity2.70Debt to equity0.12Fiscal year 2023Cash1.00Total debt0.32Net cash (debt)0.68Shareholders’ equity3.26Debt to equity0.10Fiscal year 2024Cash0.52Total debt0.25Net cash (debt)0.27Shareholders’ equity3.43Debt to equity0.07Fiscal year 2025Cash0.40Total debt0.12Net cash (debt)0.28Shareholders’ equity3.64Debt to equity0.03
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.22 0.31 0.33 0.52 1.61 2.32 0.65 1.00 0.52 0.40
Total debt −0.00 0.12 0.27 0.21 0.33 0.25 0.32 0.32 0.25 0.12
Net cash (debt) 0.22 0.19 0.06 0.30 1.28 2.07 0.32 0.68 0.27 0.28
Shareholders’ equity 1.08 1.30 1.46 1.64 2.01 2.22 2.70 3.26 3.43 3.64
Debt to equity −0.00 0.09 0.18 0.13 0.16 0.11 0.12 0.10 0.07 0.03

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Balance sheet

In billions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Assets
0.22 0.31 0.33 0.52 1.61 2.32 0.65 1.00 0.52 0.40
0.19 0.21 0.21 0.22 0.22 0.25 0.30 0.38 0.39 0.39
0.14 0.22 0.31 0.33 0.37 0.45 0.75 0.92 0.91 0.93
10.71 11.92 12.57 12.92 17.79 20.95 24.01 27.30 27.72 28.00
Growth +11.3% +5.5% +2.7% +37.8% +17.7% +14.6% +13.7% +1.5% +1.0%
Liabilities
−0.00 0.12 0.27 0.21 0.33 0.25 0.32 0.32 0.25 0.12
calc −0.00 0.12 0.27 0.21 0.33 0.25 0.32 0.32 0.25 0.12
9.63 10.61 11.12 11.28 15.79 18.72 21.31 24.04 24.29 24.36
Equity
−0.25 −0.21 −0.09 0.04 0.14 0.33 0.51 0.58 0.71 0.91
1.08 1.30 1.46 1.64 2.01 2.22 2.70 3.26 3.43 3.64
Growth +21.2% +11.8% +12.2% +22.7% +10.7% +21.5% +20.8% +5.2% +6.0%
Per share and net cash
calc 0.22 0.19 0.06 0.30 1.28 2.07 0.32 0.68 0.27 0.28
70.9 77.6 79.2 79.0 86.7 89.3 106.2 119.0 119.4 120.6
calc 15.17 16.80 18.40 20.70 23.16 24.87 25.42 27.41 28.75 30.17

Lines marked calc are worked out here from filed figures; point at one for how.