Loading…
United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts. It also provides loans comprising owner occupied and income producing CRE, commercial and industrial, equipment financing, residential mortgage, home equity, manufactured housing, and consumer loans, as well as commercial and residential construction and land. In addition, the company offers private banking, investment management, investment advice, financial planning services, estate and retirement planning, and insurance products; non-deposit investment products and insurance products, such as life insurance, long-term care insurance and tax-deferred annuities; and trust services to manage fiduciary assets. Further, it provides reinsurance on property insurance contracts and payment processing services for commercial and small business customers. The company serves the commercial, retail, government, education, energy, health care, and real estate sectors. United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $1.0B | - | $328M | $356M | 9.0% | 11.9% | 30.0% |
| 2024 | $930M | - | $252M | $303M | 7.5% | 6.7% | 34.6% |
| 2023 | $872M | - | $188M | $221M | 5.9% | 0.4% | -32.4% |
| 2022 | $868M | - | $277M | $565M | 10.7% | - | - |
| 2021 | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 868.13 | 871.95 | 930.04 | 1,040.95 |
| Pretax Income | - | 356 | 232.54 | 323.01 | 422.41 |
| Tax Provision | - | 78.53 | 45 | 70.61 | 94.32 |
| Net Income | - | 277.47 | 187.54 | 252.40 | 328.10 |
| Net Income Common Stockholders | - | 269.14 | 180.85 | 244.63 | 318.18 |
| Interest Expense | - | 60.80 | 419.34 | 550.37 | 473.83 |
| Interest Income | - | 813.16 | 1,237.11 | 1,377.74 | 1,382.94 |
| Selling General And Administration | - | 294.48 | 355.39 | 369.57 | 383.04 |
| Normalized Income | - | 292.57 | 209.48 | 259.13 | 336.02 |
| Market Cap | 3,959.15 | 3,959.15 | 3,959.15 | 3,959.15 | 3,959.15 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| United Community Banks, Inc.this co. | UCB | $4.1B | 12.07 | 1.09 | 9.0% | - |
| Virtu Financial, Inc. | VIRT | $4.4B | 8.97 | 2.66 | 29.6% | 6.10 |
| ServisFirst Bancshares, Inc. | SFBS | $4.3B | 15.65 | 2.34 | 15.0% | - |
| Assured Guaranty Ltd. | AGO | $4.0B | 7.44 | 0.66 | 8.9% | - |
| Bread Financial Holdings, Inc. | BFH | $4.0B |
| - |
| - |
| - |
| - |
| - |
| - |
| 6.87 |
| 1.07 |
| 15.6% |
| - |
| Fulton Financial Corporation | FULT | $4.0B | 10.53 | 1.25 | 11.9% | - |
| PJT Partners Inc. | PJT | $3.9B | 33.69 | 19.69 | 58.4% | 15.08 |
| WSFS Financial Corporation | WSFS | $3.8B | 12.96 | 1.36 | 10.5% | - |
| Cathay General Bancorp | CATY | $3.8B | 11.57 | 1.25 | 10.8% | - |
| Peer Median | - | 11.05 | 1.31 | 13.4% | 10.59 | |