United Community Banks, Inc. (UCB) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 232.76M | 237.93M | 233.63M | 225.53M | 212.02M | 210.33M | 209.19M | 208.7M | 199.15M | 203.45M | 202.56M | 200.29M | 211.47M | 209.89M | 199.77M | 178.9M | 163.79M | 137.56M | 141.04M | 138.38M |
| NII Growth % | 9.78% | 13.12% | 11.68% | 8.06% | 6.46% | 3.38% | 3.27% | 4.2% | -5.83% | -3.07% | 1.39% | 11.95% | 29.11% | 52.58% | 41.64% | 29.29% | 24.02% | -5.39% | 9.8% | 26.6% |
| Net Interest Margin % | 0.83% | 0.85% | 0.83% | 0.8% | 0.76% | 0.76% | 0.76% | 0.77% | 0.73% | 0.75% | 0.75% | 0.77% | 0.82% | 0.87% | 0.84% | 0.74% | 0.67% | 0.66% | 0.72% | 0.73% |
| Interest Income | 333.96M | 346.37M | 353.85M | 347.37M | 335.36M | 344.96M | 349.09M | 346.96M | 336.73M | 338.7M | 323.15M | 295.77M | 279.49M | 240.83M | 213.89M | 187.38M | 171.06M | 143.77M | 147.68M | 145.81M |
| Interest Expense | 101.2M | 108.44M | 120.22M | 121.83M | 123.34M | 134.63M | 139.9M | 138.26M | 137.58M | 135.25M | 120.59M | 95.49M | 68.02M | 30.94M | 14.11M | 8.47M | 7.27M | 6.21M | 6.64M | 7.43M |
| Loan Loss Provision | 10.85M | 13.66M | 7.91M | 11.82M | 15.42M | 11.39M | 14.43M | 12.23M | 12.9M | 14.63M | 30.27M | 22.75M | 21.78M | 19.83M | 15.39M | 5.6M | 23.09M | -647K | -11.03M | -13.59M |
| Non-Interest Income | 43.75M | 57.08M | 37.25M | 28.81M | 30.91M | 34.67M | 1.43M | 31.73M | 34.84M | -28.2M | 26.72M | 31.2M | 24.46M | 27.8M | 26.43M | 27.46M | 34.08M | 32.16M | 35.34M | 30.38M |
| Non-Interest Income % | 11.58% | 14.15% | 9.52% | 7.66% | 8.44% | 9.13% | 0.41% | 8.38% | 9.38% | -9.08% | 7.64% | 9.54% | 8.05% | 10.35% | 11% | 12.78% | 16.61% | 18.28% | 19.31% | 17.24% |
| Total Revenue | 377.71M | 403.45M | 391.1M | 376.17M | 366.26M | 379.63M | 350.52M | 378.69M | 371.57M | 310.5M | 349.87M | 326.97M | 303.95M | 268.63M | 240.32M | 214.84M | 205.14M | 175.92M | 183.01M | 176.18M |
| Revenue Growth % | 3.12% | 6.27% | 11.58% | -0.67% | -1.43% | 22.26% | 0.19% | 15.82% | 22.25% | 15.59% | 45.59% | 52.19% | 48.17% | 52.69% | 31.31% | 21.94% | 13.24% | -8.84% | -1.35% | 10.91% |
| Non-Interest Expense | 157.3M | 168.67M | 144.9M | 142.02M | 136.35M | 137.21M | 136.41M | 142.22M | 140.26M | 149.48M | 139.22M | 127.22M | 134.06M | 111.77M | 107.26M | 114.8M | 114.39M | 104.14M | 91.99M | 90.07M |
| Efficiency Ratio | 41.65% | 41.81% | 37.05% | 37.75% | 37.23% | 36.14% | 38.92% | 37.55% | 37.75% | 48.14% | 39.79% | 38.91% | 44.11% | 41.61% | 44.63% | 53.43% | 55.76% | 59.19% | 50.27% | 51.12% |
| Operating Income | 108.36M | 112.68M | 118.07M | 100.5M | 91.16M | 96.41M | 59.78M | 85.98M | 80.83M | 11.15M | 59.79M | 81.51M | 80.09M | 106.08M | 103.55M | 85.97M | 60.4M | 66.22M | 95.42M | 92.27M |
| Operating Margin % | 28.69% | 27.93% | 30.19% | 26.72% | 24.89% | 25.4% | 17.06% | 22.7% | 21.75% | 3.59% | 17.09% | 24.93% | 26.35% | 39.49% | 43.09% | 40.01% | 29.44% | 37.64% | 52.14% | 52.37% |
| Operating Income Growth % | 18.86% | 16.87% | 97.5% | 16.89% | 12.77% | 764.66% | -0.01% | 5.48% | 0.93% | -89.49% | -42.26% | -5.18% | 32.59% | 60.19% | 8.52% | -6.83% | -35.64% | -14.41% | 60.74% | 188.16% |
| Pretax Income | 108.36M | 112.68M | 118.07M | 100.5M | 91.16M | 96.41M | 59.78M | 85.98M | 80.83M | 11.15M | 59.79M | 81.51M | 80.09M | 106.08M | 103.55M | 85.97M | 60.4M | 66.22M | 95.42M | 92.27M |
| Pretax Margin % | 28.69% | 27.93% | 30.19% | 26.72% | 24.89% | 25.4% | 17.06% | 22.7% | 21.75% | 3.59% | 17.09% | 24.93% | 26.35% | 39.49% | 43.09% | 40.01% | 29.44% | 37.64% | 52.14% | 52.37% |
| Income Tax | 24.07M | 26.22M | 26.58M | 21.77M | 19.75M | 20.61M | 12.44M | 19.36M | 18.2M | -2.94M | 11.93M | 18.23M | 17.79M | 24.63M | 22.39M | 19.13M | 12.38M | 14.2M | 21.6M | 22M |
| Effective Tax Rate % | 22.21% | 23.27% | 22.51% | 21.66% | 21.66% | 21.37% | 20.8% | 22.52% | 22.52% | -26.37% | 19.94% | 22.36% | 22.21% | 23.22% | 21.62% | 22.25% | 20.5% | 21.45% | 22.64% | 23.85% |
| Net Income | 84.29M | 86.45M | 91.55M | 78.73M | 71.41M | 75.8M | 47.35M | 66.61M | 62.63M | 14.09M | 47.87M | 63.29M | 62.3M | 81.45M | 81.16M | 66.84M | 48.02M | 52.02M | 73.82M | 70.26M |
| Net Margin % | 22.32% | 21.43% | 23.41% | 20.93% | 19.5% | 19.97% | 13.51% | 17.59% | 16.86% | 4.54% | 13.68% | 19.36% | 20.5% | 30.32% | 33.77% | 31.11% | 23.41% | 29.57% | 40.33% | 39.88% |
| Net Income Growth % | 18.03% | 14.05% | 93.36% | 18.19% | 14.02% | 438% | -1.08% | 5.26% | 0.53% | -82.7% | -41.02% | -5.32% | 29.74% | 56.58% | 9.95% | -4.86% | -34.85% | -12.58% | 55.05% | 179.96% |
| Net Income (Continuing) | 84.29M | 86.45M | 91.49M | 78.73M | 71.41M | 75.8M | 47.35M | 66.61M | 62.63M | 14.09M | 47.87M | 63.29M | 62.3M | 81.45M | 81.16M | 66.84M | 48.02M | 52.02M | 73.82M | 70.26M |
| EPS (Diluted) | 0.69 | 0.71 | 0.70 | 0.63 | 0.58 | 0.61 | 0.38 | 0.54 | 0.51 | 0.11 | 0.39 | 0.53 | 0.52 | 0.74 | 0.74 | 0.61 | 0.43 | 0.55 | 0.82 | 0.78 |
| EPS Growth % | 18.97% | 16.39% | 84.21% | 16.67% | 13.73% | 454.55% | -2.56% | 1.89% | -1.92% | -85.14% | -47.3% | -13.11% | 20.93% | 34.55% | -9.76% | -21.79% | -47.56% | -16.67% | 57.69% | 143.75% |
| EPS (Basic) | 0.69 | 0.71 | 0.71 | 0.63 | 0.58 | 0.61 | 0.38 | 0.54 | 0.51 | 0.11 | 0.39 | 0.53 | 0.52 | 0.74 | 0.74 | 0.61 | 0.43 | 0.56 | 0.82 | 0.78 |
| Diluted Shares Outstanding | 120.72M | 121.83M | 122.25M | 121.43M | 120.2M | 119.95M | 119.95M | 119.78M | 119.74M | 119.71M | 119.62M | 115.87M | 115.72M | 106.92M | 106.8M | 106.72M | 106.68M | 90.09M | 87.36M | 87.42M |