Stocktoria
UNITED COMMUNITY BANKS INC UCB
UNITED COMMUNITY BANKS INC financials (annual)
Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.1B | $952.1M | $893.2M | $826.2M | $744.4M | $577.4M | $561.0M | $522.2M | $440.4M | $404.3M |
| Interest expense | — | — | $419.3M | $60.8M | $29.8M | $56.2M | $83.3M | $61.3M | $33.7M | $25.2M |
| Income tax | $94.3M | $70.6M | $45.0M | $78.5M | $78.0M | $45.4M | $53.0M | $49.8M | $105.0M | $62.3M |
| Net income | $328.1M | $252.4M | $187.5M | $277.5M | $269.8M | $164.1M | $185.7M | $166.1M | $67.8M | $100.7M |
| EPS (diluted) | $2.62 | $2.04 | $1.54 | $2.52 | $2.97 | $1.91 | $2.31 | $2.07 | $0.92 | $1.40 |
| Operating cash flow | $384.0M | $349.7M | $294.0M | $607.3M | $359.3M | $158.7M | $153.9M | $270.0M | $208.0M | $139.9M |
| Free cash flow | $356.5M | $302.7M | $221.5M | $564.6M | $332.8M | $140.2M | $133.0M | $252.4M | $185.8M | $122.5M |
| Cash & equivalents | — | — | — | — | — | — | — | — | $314.3M | $217.3M |
| Total assets | $28.0B | $27.7B | $27.3B | $24.0B | $20.9B | $17.8B | $12.9B | $12.6B | $11.9B | $10.7B |
| Total liabilities | $24.4B | $24.3B | $24.0B | $21.3B | $18.7B | $15.8B | $11.3B | $11.1B | $10.6B | $9.6B |
| Shareholders' equity | $3.6B | $3.4B | $3.3B | $2.7B | $2.2B | $2.0B | $1.6B | $1.5B | $1.3B | $1.1B |
Growth · year-over-year · Revenue CAGR 11.3%
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth | +11.7% | +6.6% | +8.1% | +11.0% | +28.9% | +2.9% | +7.4% | +18.6% | +8.9% | +23.9% |
| Net income growth | +30.0% | +34.6% | -32.4% | +2.8% | +64.4% | -11.6% | +11.8% | +144.9% | -32.6% | +40.6% |
| EPS growth | +28.4% | +32.5% | -38.9% | -15.2% | +55.5% | -17.3% | +11.6% | +125.0% | -34.3% | +28.4% |
| Free cash flow growth | +17.8% | +36.7% | -60.8% | +69.6% | +137.4% | +5.4% | -47.3% | +35.9% | +51.6% | +19.1% |
Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.