UCB
UNITED COMNTY BK (UCB)
NYSE
$33.87+$0.48 (+1.45%)
Price as of Jun 23, 2026 4:10 PM EDT
  • $4.0B
    Market Cap
  • 20.14%
    1-Year Change
  • Banks - Regional
    Industry
Annual
Quarterly
12/31/2025
12/31/2024
12/31/2023
12/31/2022
Income Statement
Total Operating Revenue
1.1B
+17.97%
901.2M
+12.11%
803.8M
-2.70%
826.2M
+10.98%
Cost of Revenue
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Gross Profit
1.1B
+17.97%
901.2M
+12.11%
803.8M
-2.70%
826.2M
+10.98%
Sales and Marketing Expense
9.6M
+12.39%
8.5M
-9.79%
9.5M
+12.99%
8.4M
+41.86%
Research and Development Expense
-55.2M
+12.17%
-49.2M
+13.83%
-43.3M
+13.16%
-38.2M
+28.18%
Depreciation and Amortization Expense
46.0M
+12.27%
40.9M
-8.97%
45.0M
-3.72%
46.7M
+2,363.69%
Total Operating Expenses
591.9M
+2.38%
578.2M
+1.21%
571.3M
+21.51%
470.1M
+18.53%
Operating Profit
422.4M
+30.78%
323.0M
+38.90%
232.5M
-34.68%
356.0M
+2.37%
Interest Income
1.4B
+0.38%
1.4B
+11.37%
1.2B
+52.14%
813.2M
+40.49%
Interest Expense
N/A
N/A
N/A
N/A
-419.3M
+589.73%
-60.8M
+104.29%
Interest Income and Expense and Net
1.4B
+0.38%
1.4B
+68.48%
817.8M
+8.69%
752.4M
+37.03%
Total Nonoperating Income and Expense
909.1M
+9.88%
827.4M
+1.17%
817.8M
+8.69%
752.4M
+37.03%
Income before Taxes
422.4M
+30.78%
323.0M
+38.90%
232.5M
-34.68%
356.0M
+2.37%
Income Taxes
94.3M
+33.58%
70.6M
+56.91%
45.0M
-42.70%
78.5M
+0.73%
Extraordinary Items
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Net Income
328.1M
+29.99%
252.4M
+34.58%
187.5M
-32.41%
277.5M
+2.84%
Net Income from Continuing Operations Applicable to Common
318.2M
+30.07%
244.6M
+35.27%
180.8M
-32.80%
269.1M
+3.01%
Basic EPS and Net Income
2.62
+28.43%
2.04
+32.47%
1.54
-38.89%
2.52
-15.15%
Diluted EPS and Net Income
2.62
+28.43%
2.04
+32.47%
1.54
-38.89%
2.52
-15.15%
Basic Weighted Average Shares
121.3M
+1.27%
119.8M
+1.85%
117.6M
+10.26%
106.7M
+21.29%
Diluted Weighted Average Shares
121.4M
+1.28%
119.9M
+1.83%
117.7M
+10.27%
106.8M
+21.21%
Balance Sheet
Cash and Cash Equivalents
395.8M
-23.87%
519.9M
-48.21%
1.0B
+55.19%
646.9M
-72.10%
Short-Term Investments
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash and Cash Equivalents and Short-Term Investments
395.8M
-23.87%
519.9M
-48.21%
1.0B
+55.19%
646.9M
-72.10%
Total Current Assets
484.8M
+9.47%
442.8M
+22.16%
362.5M
+14.93%
315.4M
+49.35%
Accumulated Depreciation
186.5M
+4.15%
179.1M
+0.70%
177.9M
+9.12%
163.0M
+9.12%
Property and Plant and Equipment and Net
393.7M
-0.14%
394.3M
+4.19%
378.4M
+26.79%
298.5M
+21.67%
Total Long-Term Assets
484.8M
+9.47%
442.8M
+22.16%
362.5M
+14.93%
315.4M
+49.35%
Total Assets
28.0B
+1.02%
27.7B
+1.55%
27.3B
+13.70%
24.0B
+14.62%
Income Taxes Payable
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Short-Term Debt
85.0M
-56.41%
195.0M
N/A
0
-100.00%
158.9M
N/A
Total Current Liabilities
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Long-Term Debt
120.4M
-52.63%
254.2M
-21.76%
324.8M
+0.05%
324.7M
+31.25%
Total Long-Term Liabilities
173.4M
-47.77%
332.0M
-18.96%
409.6M
-3.44%
424.2M
+71.49%
Total Liabilities
24.4B
+0.31%
24.3B
+1.05%
24.0B
+12.80%
21.3B
+13.80%
Retained Earnings
914.3M
+28.02%
714.1M
+22.87%
581.2M
+14.22%
508.8M
+53.89%
Total Stockholders Equity
3.6B
+6.02%
3.4B
+5.23%
3.3B
+20.77%
2.7B
+21.53%
Total Shares Outstanding
120.6M
+1.03%
119.4M
+0.30%
119.0M
+12.04%
106.2M
+18.88%
Cash Flow
Cash from Operating Activities
384.0M
+9.81%
349.7M
+18.97%
294.0M
-51.59%
607.3M
+69.02%
Capital Expenditures
27.6M
-41.38%
47.0M
-35.10%
72.5M
+69.74%
42.7M
+61.25%
Cash from Investing Activities
33.4M
+103.37%
-991.0M
+506.93%
-163.3M
-91.92%
-2.0B
+11.83%
Dividends Paid
118.5M
+5.52%
112.3M
+6.88%
105.1M
+20.95%
86.9M
+29.84%
Cash from Financing Activities
-541.6M
-444.28%
157.3M
-30.50%
226.3M
+187.46%
-258.8M
-112.00%
Financials Ratio
Gross Margin
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Operating Margin
39.73%
+10.85%
35.84%
+23.89%
28.93%
-32.86%
43.09%
-7.76%
Return on Assets
1.18%
+28.35%
0.92%
+25.50%
0.73%
-40.77%
1.23%
-11.37%
Return on Equity
9.28%
+23.06%
7.54%
+19.87%
6.29%
-44.19%
11.27%
-11.64%
Revenue Growth
17.97%
+48.40%
12.11%
+548.03%
-2.70%
-124.62%
10.98%
-62.02%
Current Ratio
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash Ratio
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Debt-to-Equity Ratio
0.06
-56.91%
0.13
+31.43%
0.10
-44.39%
0.18
N/A
Debt-to-Assets Ratio
0.007
-54.94%
0.02
+36.13%
0.01
-40.80%
0.02
N/A

Earnings & Revenue History

Debt-to-Assets

Cash Flow