United Community Banks, Inc. (UCB) Earnings History
Annual and quarterly earnings data from 1996 to 2025
Loading earnings history...
UCB EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
UCB Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 66.0% | 27.5% | 21.4% |
| 2024 | 59.4% | 21.8% | 17.0% |
| 2023 | 60.6% | 18.0% | 14.5% |
| 2022 | 86.6% | 38.3% | 29.9% |
| 2021 | 101.1% | 48.6% | 37.7% |
Download Data
Export UCB earnings history in CSV or JSON format
Free sign-in required to download data
United Community Banks, Inc. (UCB) Earnings Overview
As of May 8, 2026, United Community Banks, Inc. (UCB) reported trailing twelve-month net income of $328M, reflecting +28.4% year-over-year growth. The company earned $2.69 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 (-$398M net income, -63.4% margin), HOMB ($458M net income, 27.7% 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% |
See UCB's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs UCB Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare UCB vs BRK-A
Side-by-side business, growth, and profitability comparison vs Berkshire Hathaway Inc..
Start ComparisonUCB — Frequently Asked Questions
Quick answers to the most common questions about buying UCB stock.
Is UCB growing earnings?
UCB EPS is $2.69, with earnings growth accelerating to +28.4%. This exceeds the 5-year CAGR of +6.5%. TTM net income reached $328M.
What are UCB's profit margins?
United Community Banks, Inc. net margin is +21.4%, with operating margin at +27.5%. Above-average margins indicate pricing power.
How consistent are UCB's earnings?
UCB earnings data spans 1996-2025. The accelerating earnings trend is +28.4% YoY. Historical data enables comparison across business cycles.