Financials in USD. Standardized financial statements.
A compact view of how United Community Banks, Inc. turns revenue into operating income and net income.
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue? | $1.54B | $1.48B | $1.29B | $928.93M | $716.27M | $695.60M | $640.98M | $577.72M | $463.98M | $428.72M |
| Revenue Growth? | +3.8% | +14.6% | +39.0% | +29.7% | +3.0% | +8.5% | +11.0% | +24.5% | +8.2% | 0.0% |
| Cost of Revenue? | $522.64M | $601.32M | $508.77M | $124.71M | -$7.79M | $136.67M | $96.46M | $70.83M | $37.53M | $24.44M |
| Gross Profit? | $1.01B | $879.09M | $782.52M | $804.22M | $724.06M | $558.93M | $544.52M | $506.89M | $426.45M | $404.28M |
| Gross Margin? | +66.0% | +59.4% | +60.6% | +86.6% | +101.1% | +80.4% | +85.0% | +87.7% | +91.9% | +94.3% |
| Operating Expenses? | $591.93M | $556.09M | $549.97M | $448.22M | $376.30M | $349.48M | $305.81M | $290.96M | $253.61M | $241.29M |
| Operating Income? | $422.41M | $323.01M | $232.54M | $356.00M | $347.76M | $209.44M | $238.71M | $215.93M | $172.83M | $162.99M |
| EBITDA? | $456.52M | $363.94M | $277.51M | $402.70M | $345.70M | $200.86M | $262.66M | $246.90M | $200.33M | $192.97M |
| Income Before Tax | $422.41M | $323.01M | $232.54M | $356.00M | $347.76M | $209.44M | $238.71M | $215.93M | $172.83M | $162.99M |
| Income Tax Expense | $94.32M | $70.61M | $45.00M | $78.53M | $77.96M | $45.36M | $52.99M | $49.81M | $105.01M | $62.34M |
| Net Income? | $328.15M | $252.40M | $187.54M | $277.47M | $269.80M | $164.09M | $185.72M | $166.11M | $67.82M | $100.66M |
| EPS? | $2.63 | $2.04 | $1.54 | $2.52 | $2.97 | $1.91 | $2.31 | $2.07 | $0.92 | $1.40 |
| Diluted EPS? | $2.62 | $2.04 | $1.54 | $2.52 | $2.97 | $1.91 | $2.31 | $2.07 | $0.92 | $1.40 |
Revenue, profitability, margins, EPS, and share-count trends over time.
Top-line demand and scale over time
Profit left after direct production costs
Core business profitability before financing and tax
Bottom-line profit after all expenses
Profit allocated to each diluted share
Share count trend that affects EPS quality
Gross, operating, and net margin quality