$32.25
-0.25%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.
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Outstanding operational efficiency. The company generates substantial profit from core operations.
Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.
UCB โข NYSE
| United Community Banks, Inc. Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 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 |
UCB - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
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 |
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