United Community Banks, Inc. (UCB) Income Statement
UCB 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsUCB revenue and net income
Where UCB's revenue goes
2025Each bar shows an amount and its share of revenue. UCB kept 21.4% of revenue as net income.
UCB profit margins
UCB growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +3.8% | +18.3% | +17.2% | +15.9% |
| Gross profit | +15.4% | +8.0% | +12.7% | +12.0% |
| Operating income | +30.8% | +5.9% | +15.1% | +13.9% |
| Net income | +30.0% | +5.8% | +14.9% | +16.4% |
| EPS (diluted) | +17.4% | +0.5% | +6.6% | +7.8% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
UCB quarterly EPS vs estimates
United Community Banks beat the analyst EPS estimate in 5 of the last 8 quarters. Next report: October 20, 2026 (estimate $0.77).
UCB income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.54B | $1.48B | $1.29B | $928.9M | $716.3M | $695.6M | $641.0M | $577.7M | $464.0M | $428.7M |
| Cost of revenue | $522.6M | $601.3M | $508.8M | $124.7M | −$7.8M | $136.7M | $96.5M | $70.8M | $37.5M | $24.4M |
| Gross profit | $1.01B | $879.1M | $782.5M | $804.2M | $724.1M | $558.9M | $544.5M | $506.9M | $426.4M | $404.3M |
| Sales, general & admin | $386.5M | $369.6M | $355.4M | $294.5M | $254.8M | $245.2M | $207.5M | $195.5M | $163.9M | $149.1M |
| Total operating expenses | $591.9M | $556.1M | $550.0M | $448.2M | $376.3M | $349.5M | $305.8M | $291.0M | $253.6M | $241.3M |
| Operating income | $422.4M | $323.0M | $232.5M | $356.0M | $347.8M | $209.4M | $238.7M | $215.9M | $172.8M | $163.0M |
| Interest income | $1.38B | $1.38B | $1.24B | $813.2M | $578.8M | $558.0M | — | — | — | — |
| Interest expense | $473.8M | $550.4M | $419.3M | $60.8M | $29.8M | $56.2M | $83.3M | $61.3M | $33.7M | $25.2M |
| Income before taxes | $422.4M | $323.0M | $232.5M | $356.0M | $347.8M | $209.4M | $238.7M | $215.9M | $172.8M | $163.0M |
| Income taxes | $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 |
| EBITDA | $468.4M | $363.9M | $277.5M | $402.7M | $345.7M | $200.9M | $262.7M | $246.9M | $200.3M | $193.0M |
| EPS (diluted) | $2.70 | $2.30 | $2.11 | $2.66 | $3.09 | $1.96 | $2.39 | $2.15 | $1.63 | $1.48 |
| Gross margin | 66.0% | 59.4% | 60.6% | 86.6% | 101.1% | 80.4% | 85.0% | 87.7% | 91.9% | 94.3% |
| Operating margin | 27.5% | 21.8% | 18.0% | 38.3% | 48.6% | 30.1% | 37.2% | 37.4% | 37.3% | 38.0% |
| Net margin | 21.4% | 17.0% | 14.5% | 29.9% | 37.7% | 23.6% | 29.0% | 28.8% | 14.6% | 23.5% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $382.8M | $377.7M | $403.4M | $391.1M | $376.2M | $366.3M | $379.6M | $350.5M | $378.7M | $371.6M | $310.5M | $349.9M |
| Cost of revenue | $73.7M | $112.0M | $122.1M | $128.1M | $133.7M | $138.8M | $146.0M | $154.3M | $150.5M | $150.5M | $149.9M | $150.9M |
| Gross profit | $309.1M | $265.7M | $281.3M | $263.0M | $242.5M | $227.5M | $233.6M | $196.2M | $228.2M | $221.1M | $160.6M | $199.0M |
| Sales, general & admin | $141.5M | $132.2M | $103.5M | $97.6M | $94.6M | $90.8M | $91.8M | $90.6M | $92.7M | $94.5M | $99.9M | $87.7M |
| Total operating expenses | $170.7M | $157.3M | $168.7M | $144.9M | $142.0M | $136.3M | $137.2M | $136.4M | $142.2M | $140.3M | $149.5M | $139.2M |
| Operating income | $138.3M | $108.4M | $112.7M | $118.1M | $100.5M | $91.2M | $96.4M | $59.8M | $86.0M | $80.8M | $11.2M | $59.8M |
| Interest income | $344.4M | $334.0M | $346.4M | $353.9M | $347.4M | $335.4M | $345.0M | $349.1M | $347.0M | $336.7M | $338.7M | $323.1M |
| Interest expense | $103.5M | $101.2M | $108.4M | $120.2M | $121.8M | $123.3M | $134.6M | $139.9M | $138.3M | $137.6M | $135.2M | $120.6M |
| Income before taxes | $149.2M | $108.4M | $112.7M | $118.1M | $100.5M | $91.2M | $96.4M | $59.8M | $86.0M | $80.8M | $11.2M | $59.8M |
| Income taxes | $33.5M | $24.1M | $26.2M | $26.6M | $21.8M | $19.7M | $20.6M | $12.4M | $19.4M | $18.2M | −$2.9M | $11.9M |
| Net income | $115.6M | $84.3M | $86.5M | $91.5M | $78.7M | $71.4M | $75.8M | $47.3M | $66.6M | $62.6M | $14.1M | $47.9M |
| EBITDA | $157.5M | $128.2M | $124.5M | $128.9M | $112.4M | $102.6M | $105.8M | $70.7M | $95.7M | $91.7M | $22.1M | $70.2M |
| EPS (diluted) | $0.71 | $0.70 | $0.70 | $0.75 | $0.66 | $0.59 | $0.63 | $0.57 | $0.58 | $0.52 | $0.53 | $0.45 |
| Gross margin | 80.8% | 70.3% | 69.7% | 67.2% | 64.5% | 62.1% | 61.5% | 56.0% | 60.3% | 59.5% | 51.7% | 56.9% |
| Operating margin | 36.1% | 28.7% | 27.9% | 30.2% | 26.7% | 24.9% | 25.4% | 17.1% | 22.7% | 21.8% | 3.6% | 17.1% |
| Net margin | 30.2% | 22.3% | 21.4% | 23.4% | 20.9% | 19.5% | 20.0% | 13.5% | 17.6% | 16.9% | 4.5% | 13.7% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in UCB's financial statements (latest annual report filed February 17, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
UCB financial results
In fiscal year 2025 (ended December 31, 2025), United Community Banks reported revenue of $1.5 billion, up 3.8% from the year before. It had net income of $328.1 million (up 30.0%), a net profit margin of 21.4%. Diluted earnings per share came to $2.70. Over five years revenue grew at an average rate of 17.2% a year.
See the UCB stock overview for the latest quote and news, or the UCB chart for price history and technical indicators.
UCB income statement FAQ
What is United Community Banks's annual revenue?
United Community Banks reported total revenue of $1.5 billion for fiscal year 2025, which ended on December 31, 2025. That was up 3.8% from $1.5 billion the previous year.
Is United Community Banks profitable?
Yes. United Community Banks reported net income of $328.1 million in fiscal 2025, a net profit margin of 21.4%; its operating margin was 27.5%.
What is United Community Banks's gross margin?
United Community Banks's gross margin was 66.0% in fiscal 2025: for every $100 of revenue, United Community Banks kept $66 after the direct cost of its products and services.
How fast is United Community Banks growing?
Revenue grew 17.2% a year on average over the last five fiscal years, from $695.6 million to $1.5 billion.
What are United Community Banks's earnings per share?
United Community Banks earned $2.70 per diluted share in fiscal 2025, compared with $2.30 a year earlier.
When will United Community Banks report its next earnings?
United Community Banks is expected to report results for the quarter ending September 30, 2026 on October 20, 2026 before the market opens.
When does United Community Banks's fiscal year end?
United Community Banks's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 17, 2026.