Filing Flows › United Community Banks (UCB) › Q2 2025
United Community Banks (UCB) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 8, 2025
United Community Banks (UCB) reported revenue of $260M for the second quarter 2025 (Q2 2025), +6% from a year earlier and +5% from the quarter before. Operating margin was 38.6%, net earnings $78.7M (30.3% of revenue).
United Community Banks, Q2 2025: revenue $260M (+6% year over year), operating margin 38.6%, net earnings $78.7M, operating cash flow $96.8M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $260M | +5% | +6% |
| Operating profit | $101M | +10% | +17% |
| Net earnings | $78.7M | +10% | +18% |
| Operating cash flow | $96.8M | -2% | -8% |
| Free cash flow | $84.7M | -10% | -3% |
What changed
Revenue was $260.2M in Q2 2025, up 6% year over year and up 5% from the previous quarter.
Operating profit was $100.5M, a 38.6% margin (up 3.6 points year over year). Of the extra revenue versus a year earlier, 97% reached operating profit, above the 35% margin then. Total costs grew 0% against revenue growth of 6%. The fastest-growing cost line was Sales & marketing (+17%). Net earnings were $78.7M, up 18% year over year. The effective tax rate was 21.7%.
Operating cash flow was $96.8M (down 8% year over year), 123% of net earnings. Non-cash charges added back $11.9M of depreciation and amortization and $2.9M of share-based compensation. Capital expenditures of $12.1M left free cash flow of $84.7M.
Questions
What was United Community Banks' revenue in the second quarter 2025?
United Community Banks (UCB) reported revenue of $260M for the second quarter 2025 (Q2 2025), +6% from a year earlier and +5% from the quarter before.
Was United Community Banks profitable in the second quarter 2025?
Operating profit was $101M (38.6% of revenue) and net earnings $78.7M.