Filing Flows › United Community Banks (UCB) › Q1 2025
United Community Banks (UCB) Q1 2025 earnings results (first quarter 2025)
10-Q filed May 9, 2025
United Community Banks (UCB) reported revenue of $248M for the first quarter 2025 (Q1 2025), +4% from a year earlier and +3% from the quarter before. Operating margin was 36.8%, net earnings $71.4M (28.8% of revenue).
United Community Banks, Q1 2025: revenue $248M (+4% year over year), operating margin 36.8%, net earnings $71.4M, operating cash flow $98.6M. The chart follows the revenue to costs, profit and cash.
| Q1 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $248M | +3% | +4% |
| Operating profit | $91.2M | -5% | +13% |
| Net earnings | $71.4M | -6% | +14% |
| Operating cash flow | $98.6M | -33% | +11% |
| Free cash flow | $94.3M | -34% | +26% |
What changed
Revenue was $247.7M in Q1 2025, up 4% year over year and up 3% from the previous quarter.
Operating profit was $91.2M, a 36.8% margin (up 2.9 points year over year). Of the extra revenue versus a year earlier, 115% reached operating profit, above the 34% margin then. Total costs fell 1% while revenue rose 4%. Net earnings were $71.4M, up 14% year over year. The effective tax rate was 21.7%.
Operating cash flow was $98.6M (up 11% year over year), 138% of net earnings. Non-cash charges added back $11.4M of depreciation and amortization and $2.3M of share-based compensation. Working capital and other items added $13.4M. Capital expenditures of $4.3M left free cash flow of $94.3M.
Questions
What was United Community Banks' revenue in the first quarter 2025?
United Community Banks (UCB) reported revenue of $248M for the first quarter 2025 (Q1 2025), +4% from a year earlier and +3% from the quarter before.
Was United Community Banks profitable in the first quarter 2025?
Operating profit was $91.2M (36.8% of revenue) and net earnings $71.4M.