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United Community Banks (UCB) earnings and revenue breakdown
Latest: Q2 2026 · 10-Q filed Aug 5, 2026 · United Community Banks (UCB) Q2 2026 earnings results →
Q2 2026 Revenue up 7% year over year to $279M · 41¢ of every $1 of revenue kept as net profit · operating margin 53.4%
United Community Banks made $279M in Q2 2026 (+7% Y/Y). Operating margin 53.4%, net earnings $116M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Aug 5, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $279.3M in Q2 2026, up 7% year over year and up 1% from the previous quarter.
Operating profit was $149.2M, a 53.4% margin (up 14.8 points year over year). Of the extra revenue versus Q2 2025, 256% reached operating profit, above the 39% margin then. Total costs fell 19% while revenue rose 7%. Net earnings were $115.6M, up 47% year over year. The effective tax rate was 22.5%.
Operating cash flow was $130.6M (up 35% year over year), 113% of net earnings. Non-cash charges added back $19.1M of depreciation and amortization and $3.7M of share-based compensation. Working capital and other items used $7.8M. Capital expenditures of $9.2M left free cash flow of $121.4M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 10-Q | Aug 5, 2026 | $279M | +7% | 53.4% | $116M | $131M |
| Q1 2026 | 10-Q | May 6, 2026 | $277M | +12% | 39.2% | $84.3M | $69.3M |
| Q4 2025 | 10-K | Feb 17, 2026 | $278M | +11% | 40.5% | $86.5M | $65.5M |
| Q3 2025 | 10-Q | Nov 7, 2025 | $277M | +27% | 42.6% | $91.5M | $123M |
| Q2 2025 | 10-Q | Aug 8, 2025 | $260M | +6% | 38.6% | $78.7M | $96.8M |
| Q1 2025 | 10-Q | May 9, 2025 | $248M | +4% | 36.8% | $71.4M | $98.6M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About United Community Banks
United Community Banks, Inc. (NYSE: UCB) is the financial holding company for United Community, a top-100 U.S. financial institution committed to building stronger communities and improving the financial health and well-being of its customers. United Community offers a full range of banking, mortgage and wealth management services. As of June 30, 2026, United Community Banks, Inc. had $29.1 billion in assets and operated 200 offices across Alabama, Florida, Georgia, North Carolina, South Carolina and Tennessee. The company also manages a nationally recognized SBA lending franchise and an equipment finance subsidiary, extending its reach to businesses across the country. United Community is the most awarded bank in the Southeast for Retail Banking Customer Satisfaction by J.D. Power, earning more awards than any other bank in the region, including recognition in 12 of the last 17 years.
In its own words, from its 8-K, filed Jul 21, 2026.
United Community Banks against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +7% against the peers' median +10%. Operating margin: 53.4% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| UCB United Community Banks | Q2 2026 | $279M | +7% | 53.4% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: United Community Banks 10-Q on SEC EDGAR · CIK 857855 · State Commercial Banks
Guidance and outlook
13F: who owns UCB and who is buying
More on UCB
History
Every quarter: Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results