United Community Banks, Inc.
UCB · NYSE
9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |
|---|---|---|---|---|
| Revenue | $276,848 | $376,173 | $366,263 | $379,633 |
| % Growth | -26.4% | 2.7% | -3.5% | – |
| Cost of Goods Sold | $102,169 | $133,652 | $138,755 | $146,018 |
| Gross Profit | $174,679 | $242,521 | $227,508 | $233,615 |
| % Margin | 63.1% | 64.5% | 62.1% | 61.5% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $6,282 | $91,742 | $88,909 | $89,649 |
| SG&A Expenses | $6,282 | $94,623 | $90,790 | $91,794 |
| Sales & Mktg Exp. | $0 | $2,881 | $1,881 | $2,145 |
| Other Operating Expenses | $0 | $47,396 | $45,559 | $45,411 |
| Operating Expenses | $6,282 | $142,019 | $136,349 | $137,205 |
| Operating Income | $168,397 | $100,502 | $91,159 | $96,410 |
| % Margin | 60.8% | 26.7% | 24.9% | 25.4% |
| Other Income/Exp. Net | -$50,324 | $0 | $0 | $0 |
| Pre-Tax Income | $118,073 | $100,502 | $91,159 | $96,410 |
| Tax Expense | $26,579 | $21,769 | $19,746 | $20,606 |
| Net Income | $91,549 | $78,733 | $71,413 | $75,804 |
| % Margin | 33.1% | 20.9% | 19.5% | 20% |
| EPS | 0.71 | 0.63 | 0.58 | 0.61 |
| % Growth | 12.7% | 8.6% | -4.9% | – |
| EPS Diluted | 0.7 | 0.63 | 0.58 | 0.61 |
| Weighted Avg Shares Out | 122,116 | 121,377 | 120,043 | 119,924 |
| Weighted Avg Shares Out Dil | 122,252 | 121,432 | 120,201 | 119,952 |
| Supplemental Information | – | – | – | – |
| Interest Income | $353,850 | $347,365 | $335,357 | $344,962 |
| Interest Expense | $120,221 | $121,834 | $123,336 | $134,629 |
| Depreciation & Amortization | $10,784 | $11,878 | $11,448 | $9,383 |
| EBITDA | $179,181 | $112,380 | $102,607 | $105,793 |
| % Margin | 64.7% | 29.9% | 28% | 27.9% |