United Community Banks (UCB)
Runs a Southeastern relationship bank with mortgage, wealth and nationwide SBA lending.
$34.45
vs last close−0.15 (−0.42%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 350 | 311 | 372 | 379 | 351 | 380 | 366 | 376 | 391 | 403 | 378 | 383 |
| Cost of revenue | 151 | 150 | 150 | 151 | 154 | 146 | 139 | 134 | 128 | 122 | 112 | 74 |
| Gross profit | 199 | 161 | 221 | 228 | 196 | 234 | 228 | 243 | 263 | 281 | 266 | 309 |
| 139 | 149 | 140 | 142 | 136 | 137 | 136 | 142 | 145 | 169 | 157 | 171 | |
| 88 | 100 | 94 | 93 | 91 | 92 | 91 | 95 | 98 | 104 | 132 | 141 | |
| Selling & marketing | 2 | 3 | 2 | 2 | 2 | 2 | 2 | 3 | 2 | 6 | 2 | 3 |
| General & administrative | 85 | 97 | 93 | 90 | 89 | 90 | 89 | 92 | 96 | 97 | 130 | 139 |
| Other expenses | 51 | 50 | 46 | 49 | 46 | 45 | 46 | 47 | 47 | 65 | 25 | 29 |
| Operating income | 60 | 11 | 81 | 86 | 60 | 96 | 91 | 101 | 118 | 113 | 108 | 138 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 11 | |
| Interest income | 323 | 339 | 337 | 347 | 349 | 345 | 335 | 347 | 354 | 346 | 334 | 344 |
| Interest expense | 121 | 135 | 138 | 138 | 140 | 135 | 123 | 122 | 120 | 108 | 101 | 103 |
| Income before tax | 60 | 11 | 81 | 86 | 60 | 96 | 91 | 101 | 118 | 113 | 108 | 149 |
| Income tax expense | 12 | −3 | 18 | 19 | 12 | 21 | 20 | 22 | 27 | 26 | 24 | 34 |
| Net income from continuing operations | 48 | 14 | 63 | 67 | 47 | 76 | 71 | 79 | 91 | 86 | 84 | 116 |
| Net income | 48 | 14 | 63 | 67 | 47 | 76 | 71 | 79 | 92 | 86 | 84 | 116 |
| EPS, basic | $0.39 | $0.11 | $0.51 | $0.54 | $0.38 | $0.61 | $0.58 | $0.63 | $0.71 | $0.71 | $0.69 | $0.95 |
| EPS, diluted | $0.39 | $0.11 | $0.51 | $0.54 | $0.38 | $0.61 | $0.58 | $0.63 | $0.70 | $0.71 | $0.69 | $0.95 |
| Weighted average shares, basic | 120 | 120 | 120 | 120 | 120 | 120 | 120 | 121 | 122 | 122 | 120 | 120 |
| Weighted average shares, diluted | 120 | 120 | 120 | 120 | 120 | 120 | 120 | 121 | 122 | 122 | 121 | 120 |
| EBITDA | 70 | 22 | 92 | 96 | 71 | 106 | 103 | 112 | 129 | 125 | 128 | 138 |
| Depreciation & amortization | 10 | 11 | 11 | 10 | 11 | 9 | 11 | 12 | 11 | 12 | 20 | 0 |
| EBIT | 60 | 11 | 81 | 86 | 60 | 96 | 91 | 101 | 118 | 113 | 108 | 138 |