Filing Flows › United Community Banks (UCB) › Q1 2026 › vs Q4 2025
United Community Banks (UCB) Q1 2026 vs Q4 2025 (quarter over quarter)
United Community Banks's revenue fell $1.9M (-0.7%) from $278M in Q4 2025 to $277M in Q1 2026. Operating margin 39.2% against 40.5% (-1.3 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 Q4 2025, the increases inside each band.
Margins
| Q1 2026 | Q4 2025 | Change | |
|---|---|---|---|
| Operating margin | 39.2% | 40.5% | -1.3 pts |
| Net margin | 30.5% | 31.1% | -0.6 pts |
| Free cash flow margin | 22.6% | 21.4% | +1.1 pts |
Every line
| Line | Q1 2026 | Q4 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $277M | $278M | −$1.9M | -0.7% |
| Operating profit | $108M | $113M | −$4.3M | -4% |
| Costs & expenses | $168M | $166M | $2.4M | +1% |
| Pre-tax earnings | $108M | $113M | −$4.3M | -4% |
| Sales & marketing | $2.4M | $2.8M | −$393K | -14% |
| Other operating costs | $166M | $163M | $2.8M | +2% |
| Net earnings | $84.3M | $86.5M | −$2.2M | -3% |
| Income tax | $24.1M | $26.2M | −$2.2M | -8% |
| Depreciation & amortization | $19.8M | $11.8M | $8.0M | +67% |
| Share-based compensation | $3.3M | $3.2M | $114K | +4% |
| Working capital & other | $38.2M | $36.1M | $2.1M | +6% |
| Operating cash flow | $69.3M | $65.5M | $3.8M | +6% |
| Free cash flow (OCF − capex) | $62.4M | $59.7M | $2.6M | +4% |
| Capital expenditures | $6.9M | $5.8M | $1.2M | +20% |
Questions
How much did United Community Banks's revenue grow quarter over quarter in Q1 2026?
United Community Banks's revenue fell $1.9M (-0.7%) from $278M in Q4 2025 to $277M in Q1 2026. Operating margin 39.2% against 40.5% (-1.3 pts).