United Community Banks, Inc.
UCB
NYSE
31.11
USD-0.25(-0.80%)
As of today
United Community Banks, Inc. fundamentals
UCB Income Statement
| Period Ending | Dec 31, 1996 | Dec 31, 1997 | Dec 31, 1998 | Dec 31, 1999 | Dec 31, 2000 | Dec 31, 2001 | Dec 31, 2002 | Dec 31, 2003 | Dec 31, 2004 | Dec 31, 2005 | Dec 31, 2006 | Dec 31, 2007 | Dec 31, 2008 | Dec 31, 2009 | Dec 31, 2010 | Dec 31, 2011 | Dec 31, 2012 | Dec 31, 2013 | Dec 31, 2014 | Dec 31, 2015 | Dec 31, 2016 | Dec 31, 2017 | Dec 31, 2018 | Dec 31, 2019 | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 38,537,000 | 56,162,000 | -67,664,000 | 111,901,000 | 140,435,000 | 233,159,000 | 224,287,000 | 245,373,000 | 265,726,000 | 368,737,000 | 493,922,000 | 611,687,000 | 517,849,000 | 453,793,000 | 389,670,000 | 347,508,000 | 322,089,000 | 302,438,000 | 303,986,000 | 351,061,000 | 428,717,000 | 463,981,000 | 577,721,000 | 640,983,000 | 695,599,000 | 716,272,000 | 928,929,000 | 1,291,291,000 | 1,480,415,000 | |
| Cost of Revenue | 33,169,000 | 49,182,000 | 0 | 96,208,000 | 124,222,000 | 106,874,000 | 83,257,000 | 76,900,000 | 82,394,000 | 139,526,000 | 223,415,000 | 332,034,000 | 412,265,000 | 469,734,000 | 323,071,000 | 316,638,000 | 100,409,000 | 93,182,000 | 34,051,000 | 24,809,000 | 24,436,000 | 37,535,000 | 70,830,000 | 96,462,000 | 136,671,000 | -7,790,000 | 124,711,000 | 508,772,000 | 601,324,000 | |
| Gross Profit | 5,368,000 | 6,980,000 | -67,664,000 | 15,693,000 | 16,213,000 | 126,285,000 | 141,030,000 | 168,473,000 | 183,332,000 | 229,211,000 | 270,507,000 | 279,653,000 | 105,584,000 | -15,941,000 | 66,599,000 | 30,870,000 | 221,680,000 | 209,256,000 | 269,935,000 | 326,252,000 | 404,281,000 | 426,446,000 | 506,891,000 | 544,521,000 | 558,928,000 | 724,062,000 | 804,218,000 | 782,519,000 | 879,091,000 | |
| Gross Profit Margin | 0.139 | 0.124 | 1 | 0.14 | 0.115 | 0.542 | 0.629 | 0.687 | 0.69 | 0.622 | 0.548 | 0.457 | 0.204 | -0.035 | 0.171 | 0.089 | 0.688 | 0.692 | 0.888 | 0.929 | 0.943 | 0.919 | 0.877 | 0.85 | 0.804 | 1.011 | 0.866 | 0.606 | 0.594 | |
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| General & Administrative Expenses | 12,693,000 | 17,695,000 | 22,887,000 | 37,242,000 | 42,519,000 | 49,982,000 | 57,735,000 | 68,044,000 | 66,401,000 | 84,854,000 | 100,964,000 | 115,153,000 | 116,870,000 | 122,612,000 | 110,365,000 | 114,354,000 | 106,123,000 | 105,452,000 | 105,733,000 | 121,794,000 | 144,655,000 | 159,632,000 | 189,506,000 | 201,341,000 | 230,042,000 | 248,841,000 | 286,099,000 | 345,913,000 | 361,021,000 | |
| Selling & Marketing Expenses | 0 | 0 | 0 | 0 | 0 | 2,764,000 | 2,994,000 | 3,068,000 | 4,403,000 | 6,733,000 | 7,623,000 | 7,524,000 | 6,117,000 | 3,950,000 | 4,625,000 | 4,291,000 | 3,855,000 | 3,718,000 | 3,461,000 | 3,667,000 | 4,426,000 | 4,242,000 | 5,991,000 | 6,170,000 | 15,203,000 | 5,910,000 | 8,384,000 | 9,473,000 | 8,546,000 | |
| SG&A Expenses | 12,693,000 | 17,695,000 | 22,887,000 | 37,242,000 | 42,519,000 | 52,746,000 | 60,729,000 | 71,112,000 | 70,804,000 | 91,587,000 | 108,587,000 | 122,677,000 | 122,987,000 | 126,562,000 | 114,990,000 | 118,645,000 | 109,978,000 | 109,170,000 | 109,194,000 | 125,461,000 | 149,081,000 | 163,874,000 | 195,497,000 | 207,511,000 | 245,245,000 | 254,751,000 | 294,483,000 | 355,386,000 | 369,567,000 | |
| Other Expenses | -19,337,000 | -26,216,000 | -22,887,000 | -44,676,000 | -47,389,000 | 32,777,000 | 30,395,000 | 38,876,000 | 41,040,000 | 49,221,000 | 53,483,000 | 67,384,000 | 83,712,000 | 176,996,000 | 383,901,000 | 142,954,000 | 76,796,000 | 65,134,000 | 53,671,000 | 85,777,000 | 92,208,000 | 89,738,000 | 95,468,000 | 98,298,000 | 104,238,000 | 121,548,000 | 153,733,000 | 194,588,000 | 186,518,000 | |
| Total Operating Expenses | -6,644,000 | -8,521,000 | 0 | -7,434,000 | -4,870,000 | 85,523,000 | 91,124,000 | 109,988,000 | 111,844,000 | 140,808,000 | 162,070,000 | 190,061,000 | 206,699,000 | 303,558,000 | 498,891,000 | 261,599,000 | 186,774,000 | 174,304,000 | 162,865,000 | 211,238,000 | 241,289,000 | 253,612,000 | 290,965,000 | 305,809,000 | 349,483,000 | 376,299,000 | 448,216,000 | 549,974,000 | 556,085,000 | |
| Total Costs & Expenses | 26,525,000 | 40,661,000 | 0 | 88,774,000 | 119,352,000 | 192,397,000 | 174,381,000 | 186,888,000 | 194,238,000 | 280,334,000 | 385,485,000 | 522,095,000 | 618,964,000 | 773,292,000 | 821,962,000 | 578,237,000 | 287,183,000 | 267,486,000 | 196,916,000 | 236,047,000 | 265,725,000 | 291,147,000 | 361,795,000 | 402,271,000 | 486,154,000 | 368,509,000 | 572,927,000 | 1,058,746,000 | 1,157,409,000 | |
| Interest Income | 63,126,000 | 89,780,000 | 0 | 168,992,000 | 210,748,000 | 207,892,000 | 193,553,000 | 207,189,000 | 226,187,000 | 322,589,000 | 444,827,000 | 549,036,000 | 464,708,000 | 402,829,000 | 341,122,000 | 302,601,000 | 265,977,000 | 245,840,000 | 248,432,000 | 278,532,000 | 335,020,000 | 389,720,000 | 500,080,000 | 552,706,000 | 557,996,000 | 578,794,000 | 813,155,000 | 1,237,107,000 | 1,377,741,000 | |
| Interest Expense | 31,758,000 | 46,548,000 | 67,664,000 | 90,242,000 | 116,591,000 | 100,874,000 | 76,357,000 | 70,600,000 | 74,794,000 | 127,426,000 | 208,815,000 | 276,434,000 | 228,265,000 | 159,734,000 | 100,071,000 | 65,638,000 | 37,909,000 | 27,682,000 | 25,551,000 | 21,109,000 | 25,236,000 | 33,735,000 | 61,330,000 | 83,312,000 | 56,237,000 | 29,760,000 | 60,798,000 | 419,342,000 | 550,373,000 | |
| Depreciation & Amortization | 2,176,000 | 2,448,000 | 2,846,000 | 5,782,000 | 5,451,000 | 6,299,000 | 8,559,000 | 14,570,000 | 15,361,000 | 15,804,000 | 14,817,000 | 13,946,000 | 14,848,000 | 14,553,000 | 16,388,000 | 21,084,000 | 32,562,000 | 26,388,000 | 19,952,000 | 22,652,000 | 29,974,000 | 27,494,000 | 30,971,000 | 23,952,000 | -8,586,000 | -2,063,000 | 46,700,000 | 44,963,000 | 40,930,000 | |
| EBITDA | 14,188,000 | 17,949,000 | 20,586,000 | 28,909,000 | 26,534,000 | 47,061,000 | 58,465,000 | 73,055,000 | 86,849,000 | 104,207,000 | 123,254,000 | 103,538,000 | -86,267,000 | -304,946,000 | -415,904,000 | -209,645,000 | 67,468,000 | 61,340,000 | 127,022,000 | 137,666,000 | 192,966,000 | 200,328,000 | 246,897,000 | 262,664,000 | 200,859,000 | 345,700,000 | 402,702,000 | 277,508,000 | 363,936,000 | |
| EBITDA Margin | 0.368 | 0.32 | -0.304 | 0.258 | 0.189 | 0.202 | 0.261 | 0.298 | 0.327 | 0.283 | 0.25 | 0.169 | -0.167 | -0.672 | -1.067 | -0.603 | 0.209 | 0.203 | 0.418 | 0.392 | 0.45 | 0.432 | 0.427 | 0.41 | 0.289 | 0.483 | 0.434 | 0.215 | 0.246 | |
| Operating Income | 12,012,000 | 15,501,000 | 0 | 23,127,000 | 21,083,000 | 40,762,000 | 49,906,000 | 58,485,000 | 71,488,000 | 88,403,000 | 108,437,000 | 89,592,000 | -101,115,000 | -319,499,000 | -432,292,000 | -230,729,000 | 34,906,000 | 34,952,000 | 107,070,000 | 115,014,000 | 162,992,000 | 172,834,000 | 215,926,000 | 238,712,000 | 209,445,000 | 347,763,000 | 356,002,000 | 232,545,000 | 323,006,000 | |
| Operating Income Margin | 0.312 | 0.276 | 0 | 0.207 | 0.15 | 0.175 | 0.223 | 0.238 | 0.269 | 0.24 | 0.22 | 0.146 | -0.195 | -0.704 | -1.109 | -0.664 | 0.108 | 0.116 | 0.352 | 0.328 | 0.38 | 0.373 | 0.374 | 0.372 | 0.301 | 0.486 | 0.383 | 0.18 | 0.218 | |
| Total Other Income/Expenses (Net) | 0 | 0 | 17,740,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Income Before Tax | 12,012,000 | 15,501,000 | 17,740,000 | 23,127,000 | 21,083,000 | 40,762,000 | 49,906,000 | 58,485,000 | 71,488,000 | 88,403,000 | 108,437,000 | 89,592,000 | -101,115,000 | -319,499,000 | -432,292,000 | -230,729,000 | 34,906,000 | 34,952,000 | 107,070,000 | 115,014,000 | 162,992,000 | 172,834,000 | 215,926,000 | 238,712,000 | 209,445,000 | 347,763,000 | 356,002,000 | 232,545,000 | 323,006,000 | |
| Pre-Tax Income Margin | 0.312 | 0.276 | -0.262 | 0.207 | 0.15 | 0.175 | 0.223 | 0.238 | 0.269 | 0.24 | 0.22 | 0.146 | -0.195 | -0.704 | -1.109 | -0.664 | 0.108 | 0.116 | 0.352 | 0.328 | 0.38 | 0.373 | 0.374 | 0.372 | 0.301 | 0.486 | 0.383 | 0.18 | 0.218 | |
| Income Tax Expense | 3,811,000 | 4,766,000 | 5,588,000 | 7,029,000 | 6,566,000 | 13,531,000 | 17,126,000 | 20,367,000 | 24,897,000 | 31,661,000 | 39,622,000 | 31,599,000 | -37,665,000 | -90,659,000 | 71,217,000 | -3,983,000 | 1,050,000 | -238,188,000 | 39,450,000 | 43,436,000 | 62,336,000 | 105,013,000 | 49,815,000 | 52,991,000 | 45,356,000 | 77,962,000 | 78,530,000 | 45,001,000 | 70,609,000 | |
| Net Income | 8,201,000 | 10,735,000 | 15,650,000 | 16,098,000 | 14,517,000 | 27,231,000 | 32,780,000 | 38,118,000 | 46,591,000 | 56,742,000 | 68,815,000 | 57,993,000 | -63,450,000 | -228,327,000 | -502,344,000 | -226,746,000 | 33,856,000 | 273,140,000 | 67,620,000 | 71,578,000 | 100,656,000 | 67,821,000 | 166,111,000 | 185,721,000 | 164,089,000 | 269,801,000 | 277,472,000 | 187,544,000 | 252,397,000 | |
| Net Income Margin | 0.213 | 0.191 | -0.231 | 0.144 | 0.103 | 0.117 | 0.146 | 0.155 | 0.175 | 0.154 | 0.139 | 0.095 | -0.123 | -0.503 | -1.289 | -0.652 | 0.105 | 0.903 | 0.222 | 0.204 | 0.235 | 0.146 | 0.288 | 0.29 | 0.236 | 0.377 | 0.299 | 0.145 | 0.17 | |
| Earnings Per Share (EPS) | 2.1 | 2.36 | 2.51 | 2.56 | 2.25 | 4.14 | 4.92 | 5.37 | 6.21 | 7.1 | 8.2 | 6.08 | -6.6 | -19.75 | -18.8 | -5.97 | 0.44 | 4.44 | 1.11 | 1.09 | 1.4 | 0.92 | 2.07 | 2.31 | 1.91 | 2.97 | 2.52 | 1.54 | 2.04 | |
| Diluted Earnings Per Share (EPS) | 2.1 | 2.34 | 2.47 | 2.48 | 2.23 | 4.02 | 4.75 | 5.2 | 6.02 | 6.88 | 7.96 | 5.99 | -6.6 | -19.75 | -18.8 | -5.97 | 0.44 | 4.44 | 1.11 | 1.09 | 1.4 | 0.92 | 2.07 | 2.31 | 1.91 | 2.97 | 2.52 | 1.54 | 2.04 | |
| Weighted Average Shares Outstanding | 3,903,279 | 3,192,000 | 6,234,000 | 6,284,000 | 6,421,000 | 6,585,000 | 6,663,000 | 7,093,000 | 7,505,000 | 7,996,000 | 8,394,000 | 9,537,000 | 9,694,000 | 12,075,000 | 18,925,000 | 39,943,000 | 57,857,000 | 58,787,000 | 60,588,000 | 65,488,000 | 71,910,000 | 73,247,000 | 79,662,000 | 79,700,000 | 83,184,000 | 87,940,000 | 106,661,000 | 117,603,000 | 119,783,000 | |
| Weighted Average Shares Outstanding (Diluted) | 3,903,279 | 3,192,000 | 6,424,000 | 6,497,000 | 6,606,000 | 6,780,000 | 6,908,000 | 7,326,000 | 7,746,000 | 8,254,000 | 8,640,000 | 9,683,000 | 9,694,000 | 12,075,000 | 18,925,000 | 39,943,000 | 57,857,000 | 58,845,000 | 60,590,000 | 65,492,000 | 71,915,000 | 73,259,000 | 79,671,000 | 79,708,000 | 83,248,000 | 88,097,000 | 106,778,000 | 117,745,000 | 119,952,000 |