United Community Banks, Inc. (UCB) Financials
Key financial figures for United Community Banks, Inc. (Q3 2026).
United Community Banks reported a Q3 2026 GAAP net loss of $139.7 million ($(1.16) per diluted share) after selling its Navitas equipment finance business and restructuring its securities portfolio, while operating EPS was $0.77. GAAP net loss was $139.7 million, or $(1.16) per diluted share, versus net income of $91.5 million, or $0.70, in Q3 2025; a $366.1 million securities repositioning loss outweighed a $62.2 million gain on the Navitas sale. Operating EPS was $0.77 versus $0.75 in Q3 2025 and $0.71 in Q2 2026; operating net income was $93.7 million, up 8% from Q2 ($86.4 million). Operating efficiency ratio improved to 53.1% from 56.7% in Q2; the GAAP efficiency ratio is not meaningful. Figures are for Q3 2026, as United Community Banks, Inc. reported them.
- Revenue
- $99M
- Net Income
- -$140M
- EPS
- $-1.16
- Total Assets
- $28.9B
- Operating Cash Flow
- $171M
Recent quarters
| Period | Revenue | Net Income | EPS | Operating Margin | Free Cash Flow |
|---|---|---|---|---|---|
| Q3 FY2026 | $99M | -$140M | -$1.16 | $160M | |
| Q2 FY2026 | $383M | $116M | $0.95 | $121M | |
| Q1 FY2026 | $378M | $84M | $0.69 | $62M | |
| Q4 FY2025 | $403M | $86M | $0.71 | $111M | |
| Q3 FY2025 | $391M | $92M | $0.70 | $118M |
Recent fiscal years
| Period | Revenue | Net Income | EPS | Operating Margin | Free Cash Flow |
|---|---|---|---|---|---|
| FY2025 | $1.5B | $328M | $2.62 | $408M | |
| FY2024 | $1.5B | $252M | $2.04 | $303M | |
| FY2023 | $1.3B | $188M | $1.54 | $221M |
Frequently asked questions
What was United Community Banks, Inc.'s revenue last quarter?
United Community Banks, Inc. reported revenue of $99.4 million for Q3 FY2026, down 74.6% from the same period a year earlier.
Is United Community Banks, Inc. profitable?
Not in its most recent reported period. United Community Banks, Inc. reported a net loss of $139.7 million for Q3 FY2026, a net margin of -140.61% on revenue.
How much free cash flow did United Community Banks, Inc. generate?
United Community Banks, Inc. generated free cash flow of $160.3 million in Q3 FY2026, after capital expenditure.
Full income statement, balance sheet and cash flow for United Community Banks, Inc. on SentiSense, with up to forty quarters and twenty fiscal years of history.