United Community Banks financials
$33.60−1.15%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 |
|---|---|---|
| Revenue | $1.54B | $1.50B |
| Gross profit | $1.06B | $952.1M |
| Gross margin | 69.2% | 63.4% |
| Operating income | $422.4M | $323.0M |
| Net income | $318.2M | $244.6M |
| Net margin | 20.7% | 16.3% |
| Diluted EPS | $2.62 | $2.04 |
| EBITDA | $432.6M | $331.6M |
| Operating cash flow | $384.0M | $349.7M |
| Free cash flow | $356.5M | $302.7M |
| Diluted shares | 121.4M | 119.9M |
Balance sheet
| Period end | Dec 31 | Dec 31 |
|---|---|---|
| Cash & equivalents | $202.6M | $296.2M |
| Short-term investments | $6.18B | $7.07B |
| Total debt | $205.4M | $449.2M |
| Total assets | $28.00B | $27.72B |
| Total liabilities | $24.36B | $24.29B |
| Shareholders' equity | $3.64B | $3.43B |
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