Filing Flows › United Community Banks (UCB) › Q1 2026 › vs Q1 2025
United Community Banks (UCB) Q1 2026 vs Q1 2025 (year over year)
United Community Banks's revenue rose $28.8M (+12%) from $248M in Q1 2025 to $277M in Q1 2026. Operating margin 39.2% against 36.8% (+2.4 pts).
United Community Banks, Q1 2026: revenue $277M (+12% year over year), operating margin 39.2%, net earnings $84.3M, operating cash flow $69.3M. The chart draws each line against Q1 2025, the increases inside each band.
Margins
| Q1 2026 | Q1 2025 | Change | |
|---|---|---|---|
| Operating margin | 39.2% | 36.8% | +2.4 pts |
| Net margin | 30.5% | 28.8% | +1.7 pts |
| Free cash flow margin | 22.6% | 38.1% | -15.5 pts |
Every line
| Line | Q1 2026 | Q1 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $277M | $248M | $28.8M | +12% |
| Operating profit | $108M | $91.2M | $17.2M | +19% |
| Costs & expenses | $168M | $157M | $11.6M | +7% |
| Pre-tax earnings | $108M | $91.2M | $17.2M | +19% |
| Sales & marketing | $2.4M | $1.9M | $516K | +27% |
| Other operating costs | $166M | $155M | $11.1M | +7% |
| Net earnings | $84.3M | $71.4M | $12.9M | +18% |
| Income tax | $24.1M | $19.7M | $4.3M | +22% |
| Depreciation & amortization | $19.8M | $11.4M | $8.4M | +73% |
| Share-based compensation | $3.3M | $2.3M | $1.0M | +44% |
| Working capital & other | $38.2M | −$13.4M | $51.6M | — |
| Operating cash flow | $69.3M | $98.6M | −$29.4M | -30% |
| Free cash flow (OCF − capex) | $62.4M | $94.3M | −$32.0M | -34% |
| Capital expenditures | $6.9M | $4.3M | $2.6M | +61% |
Questions
How much did United Community Banks's revenue grow year over year in Q1 2026?
United Community Banks's revenue rose $28.8M (+12%) from $248M in Q1 2025 to $277M in Q1 2026. Operating margin 39.2% against 36.8% (+2.4 pts).