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Banks · Financial Services · Fiscal year ends Dec 31
United Community Banks reported revenue of $1.1B in the fiscal year ended Dec 2025, up 11.7% from the year before. Net income was $328M. Operating cash flow of $384M less capital expenditure of $28M left free cash flow of $356M. It held more cash than debt (net cash $190M).
Ranks among the 59 banks companies we cover (1st = best; for debt, the least indebted). Green = top third, red = bottom third.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | 744 | 826 | 893 | 952 | 1,063 |
| Net interest incomeBanks | 549 | 752 | 818 | 827 | 909 |
| Interest expense | 29.8 | 60.8 | 419 | 550 | 474 |
| Pre-tax income | 348 | 356 | 233 | 323 | 422 |
| Income tax | 78.0 | 78.5 | 45.0 | 70.6 | 94.3 |
| Net income | 270 | 277 | 188 | 252 | 328 |
| Diluted EPS | 2.97 | 2.52 | 1.54 | 2.04 | 2.62 |
| Diluted shares | 88.1 | 107 | 118 | 120 | 121 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 2,319 | 647 | 1,004 | 520 | 396 |
| Net PP&E | 245 | 298 | 378 | 394 | 394 |
| Goodwill | 452 | 751 | 920 | 907 | 925 |
| Total assets | 20,947 | 24,009 | 27,297 | 27,720 | 28,003 |
| Short-term debt | 0.0 | 159 | 0.0 | 195 | 85.0 |
| Long-term debt | 247 | 325 | 325 | 254 | 120 |
| DepositsBanks | 18,241 | 19,877 | 23,311 | 23,461 | 23,798 |
| Total liabilities | 18,725 | 21,308 | 24,036 | 24,288 | 24,364 |
| Shareholders' equity | 2,222 | 2,701 | 3,262 | 3,432 | 3,639 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 359 | 607 | 294 | 350 | 384 |
| Capital expenditure | 26.5 | 42.7 | 72.5 | 47.0 | 27.6 |
| Free cash flow | 333 | 565 | 221 | 303 | 356 |
| Depreciation & amortisation | −2.1 | 46.7 | 45.0 | 40.9 | 46.0 |
| Stock-based compensation | 6.6 | 8.7 | 8.9 | 10.8 | 11.4 |
| Acquisitions | −103 | −35.2 | −208 | −8.6 | −41.2 |
| Share buybacks | 15.1 | 0.0 | 0.0 | 0.0 | 44.3 |
| Dividends paid | 66.9 | 86.9 | 105 | 112 | 119 |
| Dividend per share | 0.78 | 0.86 | 0.92 | 0.94 | 0.98 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue growth (YoY) | – | 11.0% | 8.1% | 6.6% | 11.7% |
| EPS growth (YoY) | – | −15.2% | −38.9% | 32.5% | 28.4% |
| Net margin | 36.2% | 33.6% | 21.0% | 26.5% | 30.9% |
| Return on equityBlank when equity is negative | 12.1% | 10.3% | 5.8% | 7.4% | 9.0% |
| Free cash flow margin | 44.7% | 68.3% | 24.8% | 31.8% | 33.5% |
| Cash conversion (CFO ÷ net income) | 1.33x | 2.19x | 1.57x | 1.39x | 1.17x |
| Debt ÷ equity | 0.11x | 0.18x | 0.10x | 0.13x | 0.06x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | −2,071 | −163 | −679 | −70.7 | −190 |
Standardised figures from the company's XBRL filings with the SEC (10-K, 10-Q). Line items follow US GAAP tags, so a company's own statement layout may differ and some lines show “–” where the company does not report that item. Ratios are calculated from these figures. For education only; not investment advice or a recommendation.