Filing Flows › United Community Banks (UCB) › Q3 2025
United Community Banks (UCB) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 7, 2025
United Community Banks (UCB) reported revenue of $277M for the third quarter 2025 (Q3 2025), +27% from a year earlier and +6% from the quarter before. Operating margin was 42.6%, net earnings $91.5M (33.0% of revenue).
United Community Banks, Q3 2025: revenue $277M (+27% year over year), operating margin 42.6%, net earnings $91.5M, operating cash flow $123M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $277M | +6% | +27% |
| Operating profit | $118M | +17% | +97% |
| Net earnings | $91.5M | +16% | +93% |
| Operating cash flow | $123M | +27% | 16× |
| Free cash flow | $118M | +39% | — |
What changed
Revenue was $276.8M in Q3 2025, up 27% year over year and up 6% from the previous quarter.
Operating profit was $118.1M, a 42.6% margin (up 15.1 points year over year). Of the extra revenue versus a year earlier, 98% reached operating profit, above the 28% margin then. Total costs grew 1% against revenue growth of 27%. Net earnings were $91.5M, up 93% year over year. The effective tax rate was 22.5%.
Operating cash flow was $123.1M (up 1490% year over year), 135% of net earnings. Non-cash charges added back $10.8M of depreciation and amortization and $3.0M of share-based compensation. Working capital and other items added $17.8M. Capital expenditures of $5.4M left free cash flow of $117.7M.
Questions
What was United Community Banks' revenue in the third quarter 2025?
United Community Banks (UCB) reported revenue of $277M for the third quarter 2025 (Q3 2025), +27% from a year earlier and +6% from the quarter before.
Was United Community Banks profitable in the third quarter 2025?
Operating profit was $118M (42.6% of revenue) and net earnings $91.5M.