{ "cik": 857855, "cik_padded": "0000857855", "entityName": "UNITED COMMUNITY BANKS INC", "fiscal_years": [ { "accn": "0000857855-26-000008", "filed": "2026-02-17", "fiscal_year": 2025, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 44269000.0, "capex": 27579000.0, "dividends_paid": 118518000.0, "eps_diluted": 2.62, "free_cash_flow": 356456000.0, "net_income": 328095000.0, "operating_cash_flow": 384035000.0, "revenue": 1063152000.0, "stockholders_equity": 3638686000.0, "total_assets": 28002554000.0, "total_liabilities": 24363868000.0 }, "period_end": "2025-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 6.695787435354411, "net_margin": 0.3086059190031153, "payout_ratio": 0.3612307410963288, "revenue_growth_yoy": 0.1166108616104625, "roa_avg2y": 0.011775967085078191, "roa_period_end": 0.01171660984923018, "roe_avg2y": 0.09280262396983203, "roe_period_end": 0.09016853886265537 } }, { "accn": "0000857855-26-000008", "filed": "2026-02-17", "fiscal_year": 2024, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 0.0, "capex": 47044000.0, "dividends_paid": 112316000.0, "eps_diluted": 2.04, "free_cash_flow": 302690000.0, "net_income": 252397000.0, "operating_cash_flow": 349734000.0, "revenue": 952124000.0, "stockholders_equity": 3432127000.0, "total_assets": 27720258000.0, "total_liabilities": 24288131000.0 }, "period_end": "2024-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 7.0766993762177215, "net_margin": 0.2650883708424533, "payout_ratio": 0.44499736526186917, "revenue_growth_yoy": 0.06591226624632801, "roa_avg2y": 0.009175151859383529, "roa_period_end": 0.009105146135364253, "roe_avg2y": 0.07541383985901866, "roe_period_end": 0.07353952811186766 } }, { "accn": "0000857855-26-000008", "filed": "2026-02-17", "fiscal_year": 2023, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 0.0, "capex": 72485000.0, "dividends_paid": 105085000.0, "eps_diluted": 1.54, "free_cash_flow": 221486000.0, "net_income": 187544000.0, "operating_cash_flow": 293971000.0, "revenue": 893248000.0, "stockholders_equity": 3261525000.0, "total_assets": 27297251000.0, "total_liabilities": 24035726000.0 }, "period_end": "2023-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 7.369474708916841, "net_margin": 0.20995736906211937, "payout_ratio": 0.5603218444738302, "revenue_growth_yoy": 0.0812163878031982, "roa_avg2y": 0.0073107826188817384, "roa_period_end": 0.006870435414906797, "roe_avg2y": 0.06291101655613977, "roe_period_end": 0.057501935444309024 } }, { "accn": "0000857855-26-000008", "filed": "2026-02-17", "fiscal_year": 2022, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 0.0, "capex": 42704000.0, "dividends_paid": 86883000.0, "eps_diluted": 2.52, "free_cash_flow": 564603000.0, "net_income": 277472000.0, "operating_cash_flow": 607307000.0, "revenue": 826151000.0, "stockholders_equity": 2700674000.0, "total_assets": 24008884000.0, "total_liabilities": 21308210000.0 }, "period_end": "2022-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 7.889960061821604, "net_margin": 0.3358611198195003, "payout_ratio": 0.3131234863337562, "revenue_growth_yoy": 0.10981835083731639, "roa_avg2y": 0.012344253464886676, "roa_period_end": 0.011557055296697672, "roe_avg2y": 0.11272661605848075, "roe_period_end": 0.10274176001990615 } }, { "accn": "0000857855-25-000057", "filed": "2025-02-27", "fiscal_year": 2021, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 15101000.0, "capex": 26483000.0, "dividends_paid": 66914000.0, "eps_diluted": 2.97, "free_cash_flow": 332837000.0, "net_income": 269801000.0, "operating_cash_flow": 359320000.0, "revenue": 744402000.0, "stockholders_equity": 2222245000.0, "total_assets": 20946771000.0, "total_liabilities": 18724526000.0 }, "period_end": "2021-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 8.425950334009077, "net_margin": 0.3624399182162326, "payout_ratio": 0.24801242397174214, "revenue_growth_yoy": 0.289155124221989, "roa_avg2y": 0.013928395766309953, "roa_period_end": 0.012880314584047346, "roe_avg2y": 0.1275722703926332, "roe_period_end": 0.12140920555564305 } }, { "accn": "0000857855-24-000010", "filed": "2024-02-23", "fiscal_year": 2020, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 20782000.0, "capex": 18462000.0, "dividends_paid": 58912000.0, "eps_diluted": 1.91, "free_cash_flow": 140219000.0, "net_income": 164089000.0, "operating_cash_flow": 158681000.0, "revenue": 577434000.0, "stockholders_equity": 2007530000.0, "total_assets": 17794374000.0, "total_liabilities": 15786844000.0 }, "period_end": "2020-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 7.8638147375132625, "net_margin": 0.2841692730251423, "payout_ratio": 0.35902467563334534, "revenue_growth_yoy": 0.029373017896202384, "roa_avg2y": 0.010686220526668662, "roa_period_end": 0.009221397729417173, "roe_avg2y": 0.09007905639568492, "roe_period_end": 0.08173676109447929 } }, { "accn": "0000857855-23-000005", "filed": "2023-02-24", "fiscal_year": 2019, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 13020000.0, "capex": 20944000.0, "dividends_paid": 53044000.0, "eps_diluted": 2.31, "free_cash_flow": 132989000.0, "net_income": 185721000.0, "operating_cash_flow": 153933000.0, "revenue": 560957000.0, "stockholders_equity": 1635692000.0, "total_assets": 12916016000.0, "total_liabilities": 11280324000.0 }, "period_end": "2019-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 6.896361906764843, "net_margin": 0.331078852746289, "payout_ratio": 0.2856112125177013, "revenue_growth_yoy": 0.07419606251113056, "roa_avg2y": 0.014572520260339198, "roa_period_end": 0.014379124336792398, "roe_avg2y": 0.12008162299409746, "roe_period_end": 0.11354276966568279 } }, { "accn": "0000857855-22-000006", "filed": "2022-02-25", "fiscal_year": 2018, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 0.0, "capex": 17617000.0, "dividends_paid": 41634000.0, "eps_diluted": 2.07, "free_cash_flow": 252389000.0, "net_income": 166111000.0, "operating_cash_flow": 270006000.0, "revenue": 522211000.0, "stockholders_equity": 1457554000.0, "total_assets": 12573192000.0, "total_liabilities": 11115638000.0 }, "period_end": "2018-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 7.626227227258819, "net_margin": 0.31809172920524464, "payout_ratio": 0.25063963253487126, "revenue_growth_yoy": 0.1856440645256502, "roa_avg2y": 0.01356636535159224, "roa_period_end": 0.013211521783807962, "roe_avg2y": 0.12033157447893576, "roe_period_end": 0.11396558892500724 } }, { "accn": "0000857855-21-000012", "filed": "2021-02-25", "fiscal_year": 2017, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 0.0, "capex": 22183000.0, "dividends_paid": 26210000.0, "eps_diluted": 0.92, "free_cash_flow": 185779000.0, "net_income": 67821000.0, "operating_cash_flow": 207962000.0, "revenue": 440445000.0, "stockholders_equity": 1303334000.0, "total_assets": 11915460000.0, "total_liabilities": 10612126000.0 }, "period_end": "2017-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 8.142291998827622, "net_margin": 0.15398290365425876, "payout_ratio": 0.3864584715648545, "revenue_growth_yoy": 0.08945263319324925, "roa_avg2y": 0.005995461037923472, "roa_period_end": 0.005691849076745673, "roe_avg2y": 0.05701473979947618, "roe_period_end": 0.05203654627286635 } }, { "accn": "0001144204-18-011220", "filed": "2020-02-27", "fiscal_year": 2016, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 13659000.0, "capex": 17375000.0, "dividends_paid": 15849000.0, "eps_diluted": 1.4, "free_cash_flow": 122539000.0, "net_income": 100656000.0, "operating_cash_flow": 139914000.0, "revenue": 404281000.0, "stockholders_equity": 1075735000.0, "total_assets": 10708655000.0, "total_liabilities": 9632920000.0 }, "period_end": "2016-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "payout_ratio": "ratio", "roa_period_end": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 8.954733275388456, "net_margin": 0.24897534140857475, "payout_ratio": 0.15745708154506438, "roa_period_end": 0.009399499750435513, "roe_period_end": 0.09356951293766587 } } ], "latest_filing": { "accn": "0000857855-26-000008", "filed": "2026-02-17", "form": "10-K" }, "note": "Static grepcent export of verified SEC companyfacts-derived values. Monetary values are raw reported units from grepcent's resolved facts; no scaling and no FX conversion. Capex, dividends, and buybacks are reported as positive outflow magnitudes. ROE/ROA include both period-end basis (site-consistent) and average-of-two-years basis where the prior-year denominator exists.", "schema_version": "1", "sic": "6022", "sic_description": "State Commercial Banks", "source_urls": { "sec_companyfacts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0000857855.json", "sec_submissions": "https://data.sec.gov/submissions/CIK0000857855.json" }, "ticker": "UCB" }