United Community Banks, Inc. (UCB) Earnings History
Steady Earner30 years of earnings data (1996–2025) · Positive but moderate multi-year EPS trajectory
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United Community Banks, Inc. (UCB) Earnings Overview
As of June 28, 2026, United Community Banks, Inc. (UCB) reported trailing twelve-month net income of $341M, reflecting +28.4% year-over-year growth. The company earned $2.82 per diluted share over the past four quarters, with a net profit margin of 21.4%.
Looking at the long-term picture, UCB's 5-year EPS compound annual growth rate (CAGR) stands at +6.5%, showing solid earnings momentum. The company achieved its highest annual net income of $328M in fiscal 2025, representing a new all-time high.
United Community Banks, Inc. maintains industry-leading profitability with a gross margin of 66.0%, operating margin of 27.5%, and net margin of 21.4%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including SFNC (-$361M net income, -63.4% margin), HOMB ($478M net income, 34.6% margin), SRCE ($161M net income, 26.4% margin), UCB has outperformed on profitability metrics. Compare UCB vs SFNC →
UCB Earnings vs Peers
Earnings metrics vs comparable public companies
UCB Historical Earnings Data (1996–2025)
30 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $328M | +30.0% | $422M | $2.62 | 21.4% | 27.5% |
| 2024 | $252M | +34.6% | $323M | $2.04 | 17.0% | 21.8% |
| 2023 | $188M | -32.4% | $233M | $1.54 | 14.5% | 18.0% |
| 2022 | $277M | +2.8% | $356M | $2.52 | 29.9% | 38.3% |
| 2021 | $270M | +64.4% | $348M | $2.97 | 37.7% | 48.6% |
| 2020 | $164M | -11.6% | $209M | $1.91 | 23.6% | 30.1% |
| 2019 | $186M | +11.8% | $239M | $2.31 | 29.0% | 37.2% |
| 2018 | $166M | +144.9% | $216M | $2.07 | 28.8% | 37.4% |
| 2017 | $68M | -32.6% | $173M | $0.92 | 14.6% | 37.3% |
| 2016 | $101M | +40.6% | $163M | $1.40 | 23.5% | 38.0% |
| 2015 | $72M | +5.9% | $115M | $1.09 | 20.4% | 32.8% |
| 2014 | $68M | -75.2% | $107M | $1.11 | 22.2% | 35.2% |
| 2013 | $273M | +706.8% | $35M | $4.44 | 90.3% | 11.6% |
| 2012 | $34M | +114.9% | $35M | $0.44 | 10.5% | 10.8% |
| 2011 | -$227M | +54.9% | -$231M | $-5.97 | -65.2% | -66.4% |
| 2010 | -$502M | -120.0% | -$432M | $-18.80 | -128.9% | -110.9% |
| 2009 | -$228M | -259.9% | -$319M | $-19.75 | -50.3% | -70.4% |
| 2008 | -$63M | -209.4% | -$101M | $-6.60 | -12.3% | -19.5% |
| 2007 | $58M | -15.7% | $90M | $5.99 | 9.5% | 14.6% |
| 2006 | $69M | +21.3% | $108M | $7.96 | 13.9% | 22.0% |
| 2005 | $57M | +21.8% | $88M | $6.88 | 15.4% | 24.0% |
| 2004 | $47M | +22.2% | $71M | $6.02 | 17.5% | 26.9% |
| 2003 | $38M | +16.3% | $58M | $5.20 | 15.5% | 23.8% |
| 2002 | $33M | +20.4% | $50M | $4.75 | 14.6% | 22.3% |
| 2001 | $27M | +87.6% | $41M | $4.02 | 11.7% | 17.5% |
| 2000 | $15M | -9.8% | $21M | $2.23 | 10.3% | 15.0% |
| 1999 | $16M | +2.9% | $23M | $2.48 | 14.4% | 20.7% |
| 1998 | $16M | +45.8% | $0 | $2.47 | - | - |
| 1997 | $11M | +30.9% | $16M | $2.34 | 19.1% | 27.6% |
| 1996 | $8M | - | $12M | $2.10 | 21.3% | 31.2% |
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UCB — Frequently Asked Questions
Quick answers to the most common questions about buying UCB stock.
What is UCB earnings per share (EPS)?
UCB trailing twelve-month (TTM) diluted EPS is $2.82, reflecting +28.4% year-over-year growth. The 5-year EPS CAGR is +6.5%. Complete EPS history from 1996 to 2025 is available in the table on this page.
What is United Community Banks, Inc.'s net income?
United Community Banks, Inc. (UCB) trailing twelve-month net income is $341M as of 2025. Earnings grew +28.4% year-over-year. United Community Banks, Inc. has been profitable for 14 consecutive years.
Is UCB profitable?
Yes, UCB is profitable with a TTM net income of $341M and a net profit margin of +21.4%. United Community Banks, Inc. has generated profits for 14 consecutive years.
What is UCB's earnings growth rate?
UCB compound annual EPS growth rates (CAGR): 1-Year: +28.4%, 3-Year: +1.3%, 5-Year: +6.5%, 10-Year: +9.2%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1996 to 2025.
What are UCB's profit margins?
United Community Banks, Inc. net profit margin is +21.4%, operating margin is +27.5%, and gross margin is +66.0%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +9.3%.
Is UCB growing earnings?
Yes, UCB earnings are accelerating — EPS growth of +28.4% exceeds the 5-year CAGR of +6.5%. TTM net income reached $341M. Earnings momentum is strengthening.
What was UCB's best earnings year?
United Community Banks, Inc.'s highest annual net income on record is $328M, achieved in fiscal year 2025. Earnings history on this page spans 1996 to 2025 and includes all annual and quarterly figures.
What were UCB's earnings last quarter?
UCB's most recent reported quarter was Q1 2026. Net income was $84M with diluted EPS of $0.69. For a full breakdown of all quarters, see the quarterly earnings table on this page.