# United Community Banks, Inc. (UCB)

**Exchange:** NYSE  
**Sector:** Financial Services  
**Market cap:** $4.13B  
**Price:** $33.97 (+0.68%)

> United Community Banks, Inc. is the financial holding company for United Community Bank, a prominent full-service financial institution serving the Southeast United States. It provides a comprehensive suite of personal and business banking solutions, including checking and savings accounts, mobile and online banking platforms, credit cards, mortgages, and various loan products. The bank supports customers through an extensive network of branches across Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee, offering convenient access to financial services tailored to individual and commercial needs. United Community Bank emphasizes quality products and advanced banking technology to meet diverse financial requirements, from everyday transactions to home financing and business lending. Founded in 1974 and headquartered in Blairsville, Georgia, United Community Banks, Inc. plays a vital role in regional financial markets by delivering reliable, community-focused banking services to consumers, businesses, and local economies.

## Income Statement (Annual, USD)

| Fiscal Year | Revenue | Gross Profit | Operating Income | Net Income | EPS (dil.) |
| --- | --- | --- | --- | --- | --- |
| 2025 | $1.06B | — | — | $328M | — |
| 2024 | $952M | — | — | $252M | — |
| 2023 | $893M | — | — | $188M | — |
| 2022 | $826M | — | — | $277M | — |
| 2021 | $744M | — | — | $270M | — |
| 2020 | $577M | — | — | $164M | — |
| 2019 | $561M | — | — | $186M | — |
| 2018 | $36M | — | — | $166M | — |
| 2017 | $38M | — | — | $68M | — |
| 2016 | $42M | — | — | $101M | — |
| 2015 | $326M | — | — | $72M | — |
| 2014 | $270M | — | — | $68M | — |
| 2013 | $209M | — | — | $273M | — |
| 2012 | $222M | — | — | $34M | — |
| 2011 | $31M | — | — | -$227M | — |

## Balance Sheet (Annual, USD)

| Fiscal Year | Total Assets | Total Liabilities | Equity | Cash | Long-term Debt |
| --- | --- | --- | --- | --- | --- |
| 2025 | $28.00B | $24.36B | $3.64B | — | $120M |
| 2024 | $27.72B | $24.29B | $3.43B | — | $254M |
| 2023 | $27.30B | $24.04B | $3.26B | — | $325M |
| 2022 | $24.01B | $21.31B | $2.70B | — | $325M |
| 2021 | $20.95B | $18.72B | $2.22B | — | $247M |
| 2020 | $17.79B | $15.79B | $2.01B | — | $327M |
| 2019 | $12.92B | $11.28B | $1.64B | — | $213M |
| 2018 | $12.57B | $11.12B | $1.46B | — | $267M |
| 2017 | $11.92B | $10.61B | $1.30B | $314M | $121M |
| 2016 | $10.71B | $9.63B | $1.08B | $217M | $175M |
| 2015 | $9.62B | $8.60B | $1.02B | $240M | $164M |
| 2014 | $7.57B | $6.83B | $740M | $193M | $130M |
| 2013 | $7.43B | $6.63B | $796M | $229M | $130M |
| 2012 | $6.80B | $6.22B | $581M | $251M | $125M |
| 2011 | $6.98B | $6.41B | $575M | $378M | $120M |

## Cash Flow (Annual, USD)

| Fiscal Year | Operating Cash Flow | CapEx | Free Cash Flow |
| --- | --- | --- | --- |
| 2025 | $384M | $28M | $356M |
| 2024 | $350M | $47M | $303M |
| 2023 | $294M | $72M | $221M |
| 2022 | $607M | $43M | $565M |
| 2021 | $359M | $26M | $333M |
| 2020 | $159M | $18M | $140M |
| 2019 | $154M | $21M | $133M |
| 2018 | $270M | $18M | $252M |
| 2017 | $208M | $22M | $186M |
| 2016 | $140M | $17M | $123M |
| 2014 | $102M | $5M | $97M |
| 2013 | $192M | $8M | $184M |
| 2012 | $183M | $4M | $179M |
| 2011 | $152M | $7M | $145M |
| 2010 | $123M | $7M | $116M |

Source: [CompaniesByCap](https://companiesbycap.com/company/UCB)