United Community Banks, Inc.
Profit after direct costs
Core business profitability
Bottom line profitability
Top line growth rate
Flow of revenue through cost categories to net income
| Item | Trend | 2021 | 2022 | 2023 | 2024 | 2025 | YoY Change |
|---|---|---|---|---|---|---|---|
Total Revenue | 716.27M | 928.93M | 1.29B | 1.48B | 1.54B | 3.8% | |
| Cost of Revenue | (7.79M) | (124.71M) | (508.77M) | (601.32M) | (522.64M) | -13.1% | |
Gross Profit | 724.06M | 804.22M | 782.52M | 879.09M | 1.01B | 15.4% | |
| Operating Expenses | |||||||
| Research & Development | — | — | — | — | — | — | |
| Selling, General & Administrative | (254.75M) | (294.48M) | (355.39M) | (369.57M) | (386.52M) | 4.6% | |
| General & Administrative | (248.84M) | (286.10M) | (345.91M) | (361.02M) | (373.44M) | 3.4% | |
| Selling & Marketing | (5.91M) | (8.38M) | (9.47M) | (8.55M) | (13.08M) | 53.0% | |
| Depreciation & Amortization | (2.06M) | (46.70M) | (44.96M) | (40.93M) | (34.11M) | -16.7% | |
Operating Income (EBIT) | 347.76M | 356.00M | 232.54M | 323.01M | 422.41M | 30.8% | |
| Non-Operating Items | |||||||
| Interest Income | 578.79M | 813.15M | 1.24B | 1.38B | 1.38B | 0.4% | |
| Interest Expense | (29.76M) | (60.80M) | (419.34M) | (550.37M) | (473.83M) | -13.9% | |
| Other Income/Expenses (Net) | — | — | — | — | — | — | |
Income Before Tax | 347.76M | 356.00M | 232.54M | 323.01M | 422.41M | 30.8% | |
| Income Tax Expense | (77.96M) | (78.53M) | (45.00M) | (70.61M) | (94.32M) | 33.6% | |
Net Income | 269.80M | 277.47M | 187.54M | 252.40M | 328.15M | 30.0% | |
| Per Share Metrics | |||||||
| Earnings Per Share (Basic) | $3 | $3 | $2 | $2 | $3 | 28.9% | |
| Weighted Avg Shares Outstanding | 87.94M | 106.66M | 117.60M | 119.78M | 121.67M | 1.6% | |
| Weighted Avg Shares Outstanding (Diluted) | 88.10M | 106.78M | 117.75M | 119.95M | 121.83M | 1.6% | |
EBITDA | 345.70M | 402.70M | 277.51M | 363.94M | 456.52M | 25.4% |
Explore UCB
UCB in the Financial Services
Mid Cap