United Community Banks financials
$33.60−1.15%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Quarter | Q2 '26 Jun 30 | Q1 '26 Mar 31 | Q4 '25 Dec 31 | Q3 '25 Sep 30 | Q2 '25 Jun 30 | Q1 '25 Mar 31 | Q4 '24 Dec 31 | Q3 '24 Sep 30 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $382.8M | $377.7M | $386.8M | $397.1M | $382.1M | $371.0M | $385.5M | $357.2M |
| Gross profit | $279.3M | $276.5M | $278.4M | $276.8M | $260.2M | $247.7M | $250.9M | $217.3M |
| Gross margin | 73.0% | 73.2% | 72.0% | 69.7% | 68.1% | 66.8% | 65.1% | 60.8% |
| Operating income | $149.2M | $108.4M | $112.7M | $118.1M | $100.5M | $91.2M | $96.4M | $59.8M |
| Net income | $114.9M | $83.7M | $85.9M | $86.1M | $76.7M | $69.4M | $73.7M | $45.5M |
| Net margin | 30.0% | 22.2% | 22.2% | 21.7% | 20.1% | 18.7% | 19.1% | 12.7% |
| Diluted EPS | $0.95 | $0.69 | $0.70 | $0.70 | $0.63 | $0.58 | $0.61 | $0.38 |
| EBITDA | $150.1M | $109.2M | $113.3M | $121.5M | $105.3M | $92.5M | $98.6M | $62.0M |
| Operating cash flow | $130.6M | $69.3M | $65.5M | $123.1M | $96.8M | $98.6M | $148.1M | $7.7M |
| Free cash flow | $121.4M | $62.4M | $59.7M | $117.7M | $84.7M | $94.3M | $142.6M | -$2.2M |
| Diluted shares | 120.4M | 120.7M | 121.9M | 122.3M | 121.4M | 120.2M | 120.1M | 120.0M |
Balance sheet
| Period end | Jun 30 | Mar 31 | Dec 31 | Sep 30 | Jun 30 | Mar 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $129.1M | $177.0M | $202.6M | $205.0M | $201.5M | $198.3M |
| Short-term investments | $6.70B | $6.21B | $6.18B | $6.57B | $6.76B | $7.10B |
| Total debt | $1.18B | $120.5M | $205.4M | $155.3M | $155.1M | $254.3M |
| Total assets | $29.05B | $28.18B | $28.00B | $28.14B | $28.09B | $27.87B |
| Total liabilities | $25.31B | $24.52B | $24.36B | $24.55B | $24.47B | $24.37B |
| Shareholders' equity | $3.75B | $3.65B | $3.64B | $3.60B | $3.61B | $3.50B |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology