United Community Banks, Inc.
United Community Banks, Inc. (UCB) Financial Performance & Income Statement Overview
Review United Community Banks, Inc. (UCB) income statement, balance sheet, and cash flow reports with annual and quarterly breakdowns.
United Community Banks, Inc. (UCB) Income Statement & Financial Overview
Analyze United Community Banks, Inc.’s UCB earnings with segmented quarterly and yearly financial statement figures.
| Metric | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|
| Revenue | $260.24M | $366.26M | $379.63M | $350.52M |
| Cost of Revenue | $97.93M | $138.75M | $146.02M | $154.33M |
| Gross Profit | $162.31M | $227.51M | $233.62M | $196.19M |
| Gross Profit Ratio | $0.62 | $0.62 | $0.62 | $0.56 |
| R&D Expenses | $0.00 | $0.00 | $0.00 | $0.00 |
| SG&A Expenses | $5.61M | $90.79M | $91.79M | $90.58M |
| Operating Expenses | $5.61M | $136.35M | $137.21M | $136.41M |
| Total Costs & Expenses | $103.54M | $275.10M | $283.22M | $290.73M |
| Interest Income | $0.00 | $335.36M | $344.96M | $349.09M |
| Interest Expense | $121.83M | $123.34M | $134.63M | $139.90M |
| Depreciation & Amortization | $0.00 | $11.45M | $9.38M | $10.93M |
| EBITDA | $156.70M | $102.61M | $105.79M | $70.72M |
| EBITDA Ratio | $0.60 | $0.28 | $0.28 | $0.20 |
| Operating Income | $156.70M | $91.16M | $96.41M | $59.78M |
| Operating Income Ratio | $0.60 | $0.25 | $0.25 | $0.17 |
| Other Income/Expenses (Net) | -$56.20M | $0.00 | $0.00 | $0.00 |
| Income Before Tax | $100.50M | $91.16M | $96.41M | $59.78M |
| Income Before Tax Ratio | $0.39 | $0.25 | $0.25 | $0.17 |
| Income Tax Expense | $21.77M | $19.75M | $20.61M | $12.44M |
| Net Income | $78.73M | $71.41M | $75.80M | $47.35M |
| Net Income Ratio | $0.30 | $0.19 | $0.20 | $0.14 |
| EPS | $0.63 | $0.58 | $0.61 | $0.38 |
| Diluted EPS | $0.63 | $0.58 | $0.61 | $0.38 |
| Weighted Avg Shares Outstanding | $121.38M | $120.04M | $119.92M | $119.82M |
| Weighted Avg Shares Outstanding (Diluted) | $121.43M | $120.20M | $119.95M | $119.95M |
Over the last four quarters, United Community Banks, Inc.'s revenue moved from $350.52M in Q3 2024 to $260.24M in Q2 2025. Operating income in Q2 2025 was $156.70M, with a strong operating margin of 60%. Despite fluctuations in R&D and SG&A expenses, EBITDA for United Community Banks, Inc. remained robust at $156.70M, reflecting operational efficiency. Net income rose to $78.73M, with an EPS of $0.63. Disciplined expense management helped sustain profitability, highlighting solid overall financial performance.
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