UC

United Community Banks, Inc.

UCBยทNYSE

$32.25

-0.25%
Financial ServicesBanks - Regional

United Community Banks, Inc. operates as the financial holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors. It accepts various deposit products, including checking, savings, money market, and other deposit accounts. The company also offers lending services, including real estate, consumer, and commercial loans, to individuals, small businesses, mid-sized commercial businesses, and non-profit organizations, as well as secured and unsecured, and mortgage loans. In addition, it originates loans partially guaranteed by the SBA and USDA loan programs. Further, the company provides wealth management services comprising financial planning, customized portfolio management, and investment advice; trust services to manage fiduciary assets; non-deposit investment products; and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities, as well as invests in residential and commercial mortgage-backed securities, asset-backed securities, the U.S. treasury, the U.S. agency, and municipal obligations. Additionally, it offers reinsurance on a property insurance contract; insurance agency services; treasury management; credit cards; payment and commerce solution, equipment finance, investment advisory, and other related financial services; brokerage services; and payment processing, merchant, wire transfer, private banking, and other related financial services. The company was founded in 1950 and is headquartered in Blairsville, Georgia.

At a Glance

Live Snapshot
Market Cap$3.86B
EPS2.6300
P/E Ratio12.26
Earnings Date07/22/2026
3Y+65.0%
5Y+121.0%
10Y+259.0%
3Y+18.0%
5Y+100.0%
10Y+226.0%
3Y-28.0%
5Y+174.0%
10Y+211.0%
UC

United Community Banks, Inc. Profit Bridge

UCB ยท NYSE
Revenue1.54B
Cost of Goods Sold (522.64M)
Gross Profit1.01B
Operating Expenses (591.93M)
Operating Income422.41M
Interest Expense (473.83M)
Other Income/Expense0.00
Pretax Income422.41M
Income Tax (94.32M)
Net Income328.15M
Net Income
328.15M

Profitability Analysis

Gross Margin

66.0%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

27.5%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

21.4%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

22.3%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

United Community Banks, Inc. Income Statement

UCB โ€ข NYSE

United Community Banks, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
1.5B
1.5B
1.3B
928.9M
716.3M
695.6M
641M
577.7M
464M
428.7M
351.1M
304M
302.4M
322.1M
347.5M
389.7M
453.8M
517.8M
611.7M
493.9M
GROSS PROFIT
(522.6M)
(601.3M)
(508.8M)
(124.7M)
-7.8M
(136.7M)
(96.5M)
(70.8M)
(37.5M)
(24.4M)
(24.8M)
(34.1M)
(93.2M)
(100.4M)
(316.6M)
(323.1M)
(469.7M)
(412.3M)
(332M)
(223.4M)
1B
879.1M
782.5M
804.2M
724.1M
558.9M
544.5M
506.9M
426.4M
404.3M
326.3M
269.9M
209.3M
221.7M
30.9M
66.6M
-15.9M
105.6M
279.7M
270.5M
OPERATING INCOME
(591.9M)
(556.1M)
(550M)
(448.2M)
(376.3M)
(349.5M)
(305.8M)
(291M)
(253.6M)
(241.3M)
(211.2M)
(162.9M)
(174.3M)
(186.8M)
(261.6M)
(498.9M)
(303.6M)
(206.7M)
(190.1M)
(162.1M)
(386.5M)
(369.6M)
(355.4M)
(294.5M)
(254.8M)
(245.2M)
(207.5M)
(195.5M)
(163.9M)
(149.1M)
(125.5M)
(109.2M)
(109.2M)
(110M)
(118.6M)
(115M)
(126.6M)
(123M)
(122.7M)
(108.6M)
422.4M
323M
232.5M
356M
347.8M
209.4M
238.7M
215.9M
172.8M
163M
115M
107.1M
35M
34.9M
-230.7M
-432.3M
-319.5M
-101.1M
89.6M
108.4M
PRE-TAX INCOME
(473.8M)
(550.4M)
(419.3M)
(60.8M)
(29.8M)
(56.2M)
(83.3M)
(61.3M)
(33.7M)
(25.2M)
(21.1M)
(25.6M)
(27.7M)
(37.9M)
(65.6M)
(100.1M)
(159.7M)
(228.3M)
(276.4M)
(208.8M)
909.1M
827.4M
817.8M
752.4M
549M
501.8M
469.4M
438.8M
356M
309.8M
257.4M
222.9M
218.2M
228.1M
237M
241.1M
243.1M
236.4M
272.6M
236M
(205.4M)
(186.5M)
(194.6M)
(153.7M)
(121.5M)
(104.2M)
(98.3M)
(95.5M)
(89.7M)
(92.2M)
(85.8M)
(53.7M)
(65.1M)
(76.8M)
(143M)
(383.9M)
(177M)
(83.7M)
(67.4M)
(53.5M)
422.4M
323M
232.5M
356M
347.8M
209.4M
238.7M
215.9M
172.8M
163M
115M
107.1M
35M
34.9M
-230.7M
-432.3M
-319.5M
-101.1M
89.6M
108.4M
NET INCOME
(94.3M)
(70.6M)
(45M)
(78.5M)
(78M)
(45.4M)
(53M)
(49.8M)
(105M)
(62.3M)
(43.4M)
(39.5M)
-238.2M
(1.1M)
-4M
(71.2M)
-90.7M
-37.7M
(31.6M)
(39.6M)
328.2M
252.4M
187.5M
277.5M
269.8M
164.1M
185.7M
166.1M
67.8M
100.7M
71.6M
67.6M
273.1M
33.9M
-226.7M
-502.3M
-228.3M
-63.5M
58M
68.8M

SEC Filings

UCB - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
S-4

S-4

N/A

May 28, 2026
May 28, 2026
ย 
8-K

8-K 2026

N/A

May 15, 2026
May 13, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 06, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 28, 2026
April 28, 2026
2026
8-K

8-K 2026

N/A

April 21, 2026
April 21, 2026
2026
8-K

8-K 2026

N/A

April 21, 2026
April 21, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 01, 2026
May 13, 2026
2026
10-K

10-K 2025 FY

FY

February 17, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 14, 2026
January 14, 2026
2026
8-K

8-K 2025

N/A

December 08, 2025
December 08, 2025
2025
Showing 1 to 10 of 498 filings