UCB
United Community Banks, Inc.
NYSE: UCB · FINANCIAL SERVICES · BANKS - REGIONAL
$33.15
-1.46% today
Updated 2026-04-29
Market cap
$4.03B
P/E ratio
12.32
P/S ratio
3.84x
EPS (TTM)
$2.73
Dividend yield
2.94%
52W range
$27 – $36
Volume
0.9M
United Community Banks, Inc. (UCB) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $493.92M | $611.69M | $517.85M | $453.79M | $389.67M | $347.51M | $322.09M | $302.44M | $303.99M | $351.06M | $428.72M | $463.98M | $577.72M | $640.98M | $695.60M | $716.27M | $928.93M | $1.29B | $1.48B | $1.54B |
| Revenue growth (YoY) | — | +23.8% | -15.3% | -12.4% | -14.1% | -10.8% | -7.3% | -6.1% | +0.5% | +15.5% | +22.1% | +8.2% | +24.5% | +11.0% | +8.5% | +3.0% | +29.7% | +39.0% | +14.6% | +3.8% |
| Cost of revenue | $223.41M | $332.03M | $412.26M | $469.73M | $323.07M | $316.64M | $100.41M | $93.18M | $34.05M | $24.81M | $24.44M | $37.53M | $70.83M | $96.46M | $136.67M | $-7.79M | $124.71M | $508.77M | $601.32M | $522.64M |
| Gross profit | $270.51M | $279.65M | $105.58M | $-15.94M | $66.60M | $30.87M | $221.68M | $209.26M | $269.94M | $326.25M | $404.28M | $426.45M | $506.89M | $544.52M | $558.93M | $724.06M | $804.22M | $782.52M | $879.09M | $1.01B |
| Gross margin | 54.8% | 45.7% | 20.4% | -3.5% | 17.1% | 8.9% | 68.8% | 69.2% | 88.8% | 92.9% | 94.3% | 91.9% | 87.7% | 85.0% | 80.4% | 101.1% | 86.6% | 60.6% | 59.4% | 66.0% |
| R&D | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| SG&A | $100.96M | $115.15M | $116.87M | $122.61M | $110.36M | $114.35M | $106.12M | $105.45M | $105.73M | $121.79M | $144.66M | $159.63M | $189.51M | $201.34M | $230.04M | $248.84M | $286.10M | $345.91M | $361.02M | $373.44M |
| Operating income | $108.44M | $89.59M | $-101.11M | $-319.50M | $-432.29M | $-230.73M | $34.91M | $34.95M | $107.07M | $115.01M | $162.99M | $172.83M | $215.93M | $238.71M | $209.44M | $347.76M | $356.00M | $232.54M | $323.01M | $422.41M |
| Operating margin | 22.0% | 14.6% | -19.5% | -70.4% | -110.9% | -66.4% | 10.8% | 11.6% | 35.2% | 32.8% | 38.0% | 37.3% | 37.4% | 37.2% | 30.1% | 48.6% | 38.3% | 18.0% | 21.8% | 27.5% |
| EBITDA | $123.25M | $103.54M | $-86.27M | $-304.95M | $-415.90M | $-209.65M | $67.47M | $61.34M | $127.02M | $137.67M | $192.97M | $200.33M | $246.90M | $262.66M | $200.86M | $345.70M | $402.70M | $277.51M | $363.94M | $456.52M |
| EBITDA margin | 25.0% | 16.9% | -16.7% | -67.2% | -106.7% | -60.3% | 20.9% | 20.3% | 41.8% | 39.2% | 45.0% | 43.2% | 42.7% | 41.0% | 28.9% | 48.3% | 43.4% | 21.5% | 24.6% | 29.7% |
| EBIT | $108.44M | $89.59M | $-101.11M | $-319.50M | $-432.29M | $-230.73M | $34.91M | $34.95M | $107.07M | $115.01M | $162.99M | $172.83M | $215.93M | $238.71M | $209.44M | $347.76M | $356.00M | $232.54M | $323.01M | $422.41M |
| Interest expense | $208.81M | $276.43M | $228.26M | $159.73M | $100.07M | $65.64M | $37.91M | $27.68M | $25.55M | $21.11M | $25.24M | $33.73M | $61.33M | $83.31M | $56.24M | $29.76M | $60.80M | $419.34M | $550.37M | $473.83M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $68.81M | $57.99M | $-63.45M | $-228.33M | $-502.34M | $-226.75M | $33.86M | $273.14M | $67.62M | $71.58M | $100.66M | $67.82M | $166.11M | $185.72M | $164.09M | $269.80M | $277.47M | $187.54M | $252.40M | $328.15M |
| Net income growth (YoY) | — | -15.7% | -209.4% | -259.9% | -120.0% | +54.9% | +114.9% | +706.8% | -75.2% | +5.9% | +40.6% | -32.6% | +144.9% | +11.8% | -11.6% | +64.4% | +2.8% | -32.4% | +34.6% | +30.0% |
| Profit margin | 13.9% | 9.5% | -12.3% | -50.3% | -128.9% | -65.2% | 10.5% | 90.3% | 22.2% | 20.4% | 23.5% | 14.6% | 28.8% | 29.0% | 23.6% | 37.7% | 29.9% | 14.5% | 17.0% | 21.4% |