MARKETS / NYSE / UCB

NYSE · STATE COMMERCIAL BANKS · LARGE CAP

United Community Banks Inc. UCB

17 fiscal years on record · USD · FY2025 reported · SEC filings only

8 YEARS OF DIVIDEND GROWTH

Revenue

$1.1B

▲ 11.7% YoY

Net income

$328.1M

▲ 30.0% YoY

Free cash flow

$356.5M

▲ 17.8% YoY

In brief

What this company does

United Community Banks, Inc. provides diversified financial services primarily through its principal subsidiary, United Community Bank, a South Carolina state-chartered bank. It provides a wide range of financial products and services to the commercial, retail, governmental, educational, energy, health care and real estate sectors, including deposit products, secured and unsecured loans, mortgage loans, payment and commerce solutions, equipment finance services, wealth management, trust services, private banking, investment advisory services, and insurance services. It has grown through a combination of strategic acquisitions and organic growth throughout Georgia, South Carolina, North Carolina, Tennessee, Florida and Alabama as well as nationally through its SBA/USDA lending and equipment finance businesses. As of December 31, 2025, it had consolidated total assets of $28.0 billion. Its consolidated loans at December 31, 2025 were $19.4 billion, or 69% of total consolidated assets. As of December 31, 2025, it employed 3,070 full-time equivalent employees, compared to 2,979 as of December 31, 2024. The Holding Company is incorporated in Georgia and is a legal entity separate and distinct from the Bank and other subsidiaries.

Written from the business description in UNITED COMMUNITY BANKS INC's annual report to the U.S. Securities and Exchange Commission, filed 17 February 2026. Every sentence was checked against that document before publication.

Growth

USD 1.1B

Revenue, FY2025 · full 17-year series below

Revenue $B Net income $B

FY2025 · Revenue 1.1 · Net income 0.3

Compound annual growth

Revenue

+8.8%

+13.0%

+12.5%

+20.3%

Net income

+5.7%

+14.9%

+16.4%

EPS, diluted

+1.3%

+6.5%

Dividend / share

+4.5%

+6.4%

Returned to shareholders

+23.3%

+15.4%

+27.1%

3 yrs

5 yrs

10 yrs

15 yrs

Revenue compounded at +13.0% a year over five years — but profit grew faster: net income at +14.9%, earnings per share at +6.5%.

The share count rose from 0.09B to 0.12B over the period.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

31 cents

of every revenue dollar became profit

Operating margin Net margin

FY2025 · Operating 39.7% · Net 30.9%

ROE

FY2025 · ROE 9.3%

Gross margin—

Operating margin39.7%

Net margin30.9%

Return on assets1.2%

EBITDAUSD 468.4M

Each USD of equity produced 9 cents of profit this year.

Cash & shareholders

USD 162.8M

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF 356.5

Net buybacks $M Dividends $M

FY2025 · Dividends 118.5 · Net buybacks 44.3

Dividends paidUSD 118.5M

Net buybacksUSD 44.3M

Share of profit49.6%

Consecutive raises8 years (since the 2017 share-count change)

USD 118.5M in dividends and USD 44.3M in buybacks — 50% of the year's profit went back to shareholders.

Total assetsUSD 28.0B

EquityUSD 3.6B

CashUSD 395.8M

Gross debtUSD 205.4M

Net debtUSD -190.4M

DepositsUSD 23.8B

The company holds more cash than debt.

The 17-year record

17 fiscal years

Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative

Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue $B	1.1	1.0	0.9	0.8	0.7	0.6	0.6	0.5	0.4	0.0	0.3	0.3	0.2	0.2	0.0	0.1	−0.0
Operating income $B	0.4	0.3	0.2	0.4	0.3	0.2	0.2	·	·	0.2	0.1	0.1	0.0	·	·	·	·
EBITDA $B	0.5	0.4	0.3	0.4	0.3	0.2	0.3	·	·	0.2	0.1	0.1	0.1	·	·	·	·
Income tax $B	0.1	0.1	0.0	0.1	0.1	0.0	0.1	0.0	0.1	0.1	0.0	0.0	−0.2	0.0	−0.0	0.1	−0.1
Net income $B	0.3	0.3	0.2	0.3	0.3	0.2	0.2	0.2	0.1	0.1	0.1	0.1	0.3	0.0	−0.2	−0.5	−0.2
Free cash flow $B	0.4	0.3	0.2	0.6	0.3	0.1	0.1	0.3	0.2	0.1	0.1	0.1	0.2	0.2	0.1	0.1	0.1
EPS, diluted $	2.62	2.04	1.54	2.52	2.97	1.91	2.31	2.07	0.92	1.40	1.09	1.11	4.44	0.38	−5.97	−27.09	−19.76
Dividend / sh $	0.98	0.94	0.92	0.86	0.78	0.72	0.68	0.58	0.38	0.30	0.22	0.11	·	·	·	·	·
Payout %	36	44	56	31	25	36	29	25	39	16	21	3	·	·	·	·	·
ROE %	9.3	7.5	6.3	11.3	12.8	9.0	12.0	12.0	5.7	9.6	8.1	8.8	39.7	5.9	−43.4	−70.2	−23.7
Shares out B	0.12	0.12	0.12	0.11	0.09	0.09	0.08	0.08	0.08	0.00	0.01	0.01	0.01	0.02	0.02	0.00	·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance

Company facts, as filed

How we verify · 0 failures in 49 reconciliationsAUDITED

Reconciled in 17 of 19 fiscal years. 8 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures

ActivityState Commercial Banks

Listed onNYSE

Incorporated inGeorgia

Fiscal year endsDecember 31

Data on record since2009