United Community Banks

UCB · NYSE · Financials · Financials, fiscal 2016 to 2025

UCB · Last close · November 6, 2026

$36.99

United Community Banks' revenue rose 11.7% to $1.1 billion in fiscal 2025. Net income was $328 million, up 30.0%. Its return on equity was 9.3%, up from 7.5% a year earlier. Its efficiency ratio was 55.7%, down from 60.7% a year earlier. It paid out $163 million in dividends and buybacks. The diluted share count rose 1.3%.

UNITED COMMUNITY BANKS, INC. Latest fiscal year ended December 31, 2025 10-K filed February 17, 2026 · 0000857855-26-000008 Updated November 5, 2026

Revenue

$1.1B

11.7%

Net income

$328M

30.0%

Return on equity

9.3%

1.7 pts

Return on tangible equity

12.2%

2.1 pts

Efficiency ratio

55.7%

5.0 pts

Market cap

$4.5B

Nov 6 close

P/E

31.1x

On $1.19 EPS, 4 qtrs

Return on equity is net income as a share of shareholders' equity; return on tangible equity leaves out goodwill and other intangible assets. The efficiency ratio is operating costs as a share of revenue, so lower means the bank spends less to earn each dollar. Market cap is the last closing share price times the latest diluted share count, so it is approximate. P/E is the last close divided by diluted earnings per share over the last four quarters, or the latest fiscal year where the quarters aren't available; there is none when the company made a loss.

Charts show fiscal years, from the 10-K filings.

Income statement

Revenue and net income

US$ billions, fiscal years; net losses in red. Revenue on the left axis, net income on the right; zero is the same line on both. Revenue is net of interest expense.

Revenue (left axis)Net income (right axis)

Efficiency ratio and net interest income

Percent of revenue. The efficiency ratio is noninterest expense over revenue.

Efficiency ratioNet interest income share

From fiscal 2016 to 2025, earnings per share grew 7.2% a year and net income 14.0% a year, as new shares raised the share count by 69% and diluted each share's earnings.

Diluted earnings per share

US$ per share, fiscal years, restated for any stock splits; loss years in red.

Return on equity

Percent. Net income over average equity; tangible equity excludes goodwill, intangibles and preferred stock.

Return on equityReturn on tangible common equity

Balance sheet

Loans and deposits

US$ billions, at each fiscal year end

Loans, netDeposits

Total assets and shareholders' equity

US$ billions, at each fiscal year end. Assets on the left axis, equity on the right.

Total assets (left axis)Equity (right axis)

Five years at a glance

Fiscal year end	FY21	FY22	FY23	FY24	FY25
Loans, net	11,658	15,175	18,111	17,969	19,174
Deposits	18,241	19,876	23,311	23,461	23,798
Loans to deposits	63.9%	76.3%	77.7%	76.6%	80.6%
Provision for credit losses	−38	64	89	51	49
Provision to average loans	−0.3%	0.5%	0.5%	0.3%	0.3%
Total assets	20,947	24,009	27,297	27,720	28,003
Shareholders' equity	2,222	2,701	3,262	3,432	3,639

US$ millions unless stated, at each fiscal year end.

Cash flow

Stock-based compensation and buybacks

US$ billions, fiscal years. Shares paid to employees (stock-based compensation, a cost that uses no cash) against cash spent buying shares back. Buybacks that only match it leave the share count roughly where it was.

Stock-based compensationShare buybacks

Dividends and buybacks

US$ billions, cash paid in each fiscal year

DividendsShare buybacks

Diluted share count

Weighted-average diluted shares, millions

Projections

Project United Community Banks' revenue, net income and earnings per share five years ahead in a bull, a base and a bear case with your own figures, and see the share prices your P/E estimates give them. Every projected figure is yours: it is not a forecast of ours.

Open United Community Banks' projections

Insider trades

Over the 12 months between November 7, 2025 and November 6, 2026, 1 insider bought $74,270 of United Community Banks shares on the open market, and 4 insiders sold $2.3 million, $1.0 million of it under trading plans set up in advance.

Buys and sells by month

US$ millions, open-market purchases (up) and sales (down) by officers, directors and 10% owners in each month.

BoughtSold

Date	Insider	Trade	Shares	Price	Value	Filing
Aug 10, 2026	Carl Steven CarandeDirector	Bought	2,101	$35.35	$74,270	Form 4
Jul 28, 2026	Jefferson L HarralsonEVP, CFO	Sold	25,000	$35.41	$885,250	Form 4
Jul 27, 2026	Richard BradshawEVP, Chief Banking Officer	Sold plan	1,424	$35.09	$49,968	Form 4
Apr 27, 2026	Richard BradshawEVP, Chief Banking Officer	Sold plan	1,510	$33.09	$49,966	Form 4
Feb 18, 2026	Harton H LynnPresident & CEO, Director	Sold plan	25,000	$34.64	$866,000	Form 4
Feb 2, 2026	Richard BradshawEVP, Chief Banking Officer	Sold plan	1,460	$34.17	$49,888	Form 4
Jan 23, 2026	Alan H KumlerSVP, Chief Accounting Officer	Sold	12,043	$35.36	$425,840	Form 4

Open-market purchases and sales by officers, directors and 10% owners, from their Form 4 filings with the SEC: one row per person, day and filing, at the day's average price. Grants, option exercises and shares withheld for tax aren't counted. Insiders buy and sell for many reasons, such as taxes, spreading their savings or a plan set up months earlier, so a trade on its own says little about where a company is heading. For information only, not investment advice. Insider trades at all companies

Compare

Put United Community Banks side by side with any other company we cover: revenue, growth, margins, cash flow and returns, with ten years of charts.

Similar companies

Company	Year	Revenue growth	Net margin	Return on equity	Return on tangible equity	Efficiency ratio	Compare
United Community Banks	FY25	11.7%	30.9%	9.3%	12.2%	55.7%
WSFS Financial	FY25	1.9%	27.0%	10.8%	17.1%	59.7%	Compare
First Interstate BancSystem	FY25	5.9%	28.5%	8.9%	13.3%	60.5%	Compare
Home BancShares	FY25	7.2%	43.6%	11.5%	17.4%	42.0%	Compare
BankUnited	FY25	7.9%	24.6%	9.2%	8.9%	60.7%	Compare

Each company's latest fiscal year. Fiscal years end in different months, so the periods don't line up exactly.

10 years of figures

Fiscal year	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Income statement
Revenue	404	440	522	561	577	744	826	893	952	1,063
Revenue growth	23.9%	8.9%	18.6%	7.4%	2.9%	28.9%	11.0%	8.1%	6.6%	11.7%
Net interest income	310	356	439	469	502	549	752	818	827	909
Noninterest income	94	88	93	105	156	158	138	76	125	154
Noninterest expense	241	268	306	322	368	397	470	571	578	592
Provision for credit losses	—	—	10	13	80	−38	64	89	51	49
Net income	101	68	166	186	164	270	278	188	252	328
Diluted EPS (US$)	1.40	0.92	2.07	2.31	1.91	2.97	2.52	1.54	2.04	2.62
Diluted shares (millions)	72	73	80	80	83	88	107	118	120	121
Payouts
Dividends paid	16	26	42	53	59	67	87	105	112	118
Share buybacks	14	0	0	13	21	15	0	0	0	44
Balance sheet at fiscal year end
Loans, net	6,859	7,677	8,322	8,750	11,234	11,658	15,175	18,111	17,969	19,174
Deposits	8,638	9,808	10,534	10,897	15,232	18,241	19,876	23,311	23,461	23,798
Total assets	10,709	11,916	12,573	12,916	17,794	20,947	24,009	27,297	27,720	28,003
Shareholders' equity	1,076	1,303	1,458	1,636	2,008	2,222	2,701	3,262	3,432	3,639
Ratios
Return on equity	9.6%	5.7%	12.0%	12.0%	9.0%	12.8%	11.3%	6.3%	7.5%	9.3%
Return on tangible common equity	11.1%	6.7%	14.8%	15.0%	10.8%	15.3%	14.5%	8.4%	10.1%	12.2%
Return on assets	1.0%	0.6%	1.4%	1.5%	1.1%	1.4%	1.2%	0.7%	0.9%	1.2%
Efficiency ratio	59.7%	60.8%	58.6%	57.5%	63.7%	53.3%	56.9%	64.0%	60.7%	55.7%

US$ millions unless stated. Where a later 10-K restated a year, the latest filed figure is shown. Download all figures (CSV, US$ millions)

Source: United Community Banks' Form 10-K filings, from SEC EDGAR. For information only, not investment advice. The Filing Desk is not affiliated with United Community Banks.