United Community Banks Inc

ucbi.com

What Do They Do?

Provides commercial and consumer banking, mortgage, and wealth-management services to individuals, businesses, and public or nonprofit organizations.

How Do They Make Money?

Earns interest from loans and collects service, wealth-management, and transaction fees. Fee payments are typically received in the period transactions occur; some services are performed over monthly or quarterly periods.

FY2025 revenue

Who Are Their Customers?

Individuals, businesses, and public or nonprofit organizations use its banking and financial services through branches, offices, the internet, and mobile applications. SBA/USDA and equipment finance lending also serves customers nationally.

Do Revenues Turn Into Profits?

Yes. It kept 31 cents of every revenue dollar as net income in FY2025 and turned 34 cents into free cash flow.

Net income, FY2025

31% of revenue

▲ +30% vs FY2024 ($252.4M, 27%)

Free cash flow, FY2025

34% of revenue

▲ +18% vs FY2024 ($302.7M, 32%)

How Are They Changing?

Since the FY2025 annual report

Latest quarter: Q2 FY2026, the three months to Jun 30, 2026

Revenue: ▲ +7%; vs $260.2M in Q2 FY2025
Net income: ▲ +47%; vs $78.7M in Q2 FY2025

Sep 8, 2026 Sold Navitas and repositioned its securities portfolio The Navitas and NLFC Reinsurance sale brought approximately $2.0 billion; the securities repositioning is expected to cause an estimated pre-tax loss of approximately $300 million.
Aug 19, 2026 Tom Speir was named CFO, succeeding Jefferson Harralson He is scheduled to take over on September 8, 2026.
Aug 3, 2026 Completed merger with Peach State Bancshares Peach State Bank & Trust was merged into United Community Bank.

Growing. Revenue grew 43% in 4 years, from $744.4M in FY2021 to $1.1B in FY2025, about 9% a year.

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