UNITED COMMUNITY BANKS, INC. financials

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UCB CIK 0000857855

Source: EDGAR filings · Built 2026-06-02T04:16:17Z

Key metrics by reporting period

Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.

Derived Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Free Cash Flow 356.46M 302.69M 221.49M 564.60M 332.84M 140.22M
Net Debt -151.99M -25.56M -634.91M -121.57M -2.04B -1.25B
Net Margin 30.86% 26.51% 21.00% 33.59% 36.24% 28.42%
Return on Equity (ROE) 9.02% 7.35% 5.75% 10.27% 12.14% 8.17%
Return on Assets (ROA) 1.17% 0.91% 0.69% 1.16% 1.29% 0.92%
Debt-to-Equity 0.07× 0.14× 0.11× 0.19× 0.13× 0.18×
Effective Tax Rate 22.33% 21.86% 19.35% 22.06% 22.42% 21.66%
Cash Conversion Ratio 1.17× 1.39× 1.57× 2.19× 1.33× 0.97×
Accruals Ratio -0.00× -0.00× -0.00× -0.01× -0.00× 0.00×
SBC % of Revenue 1.07% 1.13% 1.00% 1.05% 0.88% 1.37%
CapEx Coverage 13.92× 7.43× 4.06× 14.22× 13.57× 8.60×
Free Cash Flow Per Share $2.94 $2.52 $1.88 $5.29 $3.78 $1.68

Valuation Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
P/E Trailing (Diluted) 11.92× 15.84× 19.00× 13.41× 12.10× 14.89×
P/FCF 10.64× 12.80× 15.55× 6.39× 9.51× 16.88×
FCF Yield 9.40% 7.81% 6.43% 15.64% 10.51% 5.92%
P/S 3.54× 4.05× 3.90× 4.35× 4.31× 4.27×
P/B 1.03× 1.12× 1.07× 1.33× 1.45× 1.23×

Income Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenues 1.06B 952.12M 893.25M 826.15M 744.40M 577.43M
Income Tax Expense (Benefit) 94.32M 70.61M 45.00M 78.53M 77.96M 45.36M
Net Income (Loss) Attributable to Parent 328.10M 252.40M 187.54M 277.47M 269.80M 164.09M
Earnings Per Share, Basic $2.62 $2.04 $1.54 $2.52 $2.97 $1.91
Weighted Average Number of Shares Outstanding, Basic 121.31M 119.78M 117.60M 106.66M 87.94M 83.18M
Earnings Per Share, Diluted $2.62 $2.04 $1.54 $2.52 $2.97 $1.91
Weighted Average Number of Shares Outstanding, Diluted 121.44M 119.90M 117.75M 106.78M 88.10M 83.25M

Balance Sheet

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Assets 28.00B 27.72B 27.30B 24.01B 20.95B 17.79B
Long-term Debt 120.40M 254.15M 324.82M 324.66M 247.36M 326.96M
Liabilities 24.36B 24.29B 24.04B 21.31B 18.72B 15.79B
Stockholders' Equity Attributable to Parent 3.64B 3.43B 3.26B 2.70B 2.22B 2.01B
Common Stock, Shares, Outstanding 120.60M 119.36M 119.01M 106.22M 89.35M 86.68M

Cash Flow Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Net Cash Provided by (Used in) Operating Activities 384.04M 349.73M 293.97M 607.31M 359.32M 158.68M
Payments to Acquire Property, Plant, and Equipment 27.58M 47.04M 72.48M 42.70M 26.48M 18.46M
Net Cash Provided by (Used in) Investing Activities 33.42M -991.04M -163.29M -2.02B -1.81B -1.58B
Payments for Repurchase of Common Stock 44.27M 0 0 0 15.10M 20.78M
Net Cash Provided by (Used in) Financing Activities -541.57M 157.31M 226.34M -258.78M 2.16B 2.52B

Raw XBRL tagging for a single filing

Every us-gaap and custom concept the filer tagged for one fiscal period, grouped by statement. Start here when a number in the trend table above surprises you and you want to see the exact tag behind it. Derived and valuation rows are omitted here because they already appear in the trend table.

Most recent filing shown by default.

Compare filings side-by-side

Diff any two filings with deltas and added / removed tags.

Immaterial rows are USD line items under 1% of the period's revenue — the noise floor below which a single tag rarely moves the investment thesis. Revenue is read from the filer's top-line concept (Revenues / RevenueFromContractWithCustomerExcludingAssessedTax, with a fallback chain). Non-USD rows, rows without a numeric value, and every row on a filing with no identifiable revenue anchor stay visible. Flip the switch off to see every tag the filer reported for the period.

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Methodology

All facts on this page come straight from SEC EDGAR XBRL company-facts filings (UCB CIK 0000857855), grouped by financial statement using FASB's base us-gaap presentation taxonomy. Filers may re-parent concepts onto different statements in their own extension taxonomy, so a handful of rows can show up under a different statement than on the actual 10-K / 10-Q; custom concepts and any we couldn't map fall into Other. Hover a cell to see the fully-qualified concept name and the filer's description.

For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.

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