Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $404M | $440M | $522M | $561M | $577M | $744M | $826M | $893M | $952M | $1.06B |
| Revenue growth | — | 8.9% | 18.6% | 7.4% | 2.9% | 28.9% | 11.0% | 8.1% | 6.6% | 11.7% |
| Net income | $101M | $67.8M | $166M | $186M | $164M | $270M | $277M | $188M | $252M | $328M |
| Net margin | 24.9% | 15.4% | 31.8% | 33.1% | 28.4% | 36.2% | 33.6% | 21.0% | 26.5% | 30.9% |
| EPS (diluted) | $1.40 | $0.92 | $2.07 | $2.31 | $1.91 | $2.97 | $2.52 | $1.54 | $2.04 | $2.62 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $140M | $208M | $270M | $154M | $159M | $359M | $607M | $294M | $350M | $384M |
| Capital expenditures | $17.4M | $22.2M | $17.6M | $20.9M | $18.5M | $26.5M | $42.7M | $72.5M | $47.0M | $27.6M |
| Free cash flow | $123M | $186M | $252M | $133M | $140M | $333M | $565M | $221M | $303M | $356M |
| Share buybacks | $13.7M | $0.00 | $0.00 | $13.0M | $20.8M | $15.1M | $0.00 | $0.00 | $0.00 | $44.3M |
| Dividends paid | $15.8M | $26.2M | $41.6M | $53.0M | $58.9M | $66.9M | $86.9M | $105M | $112M | $119M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $217M | $314M | $327M | $515M | $1.61B | $2.32B | $647M | $1.00B | $520M | $396M |
| Total assets | $10.7B | $11.9B | $12.6B | $12.9B | $17.8B | $20.9B | $24.0B | $27.3B | $27.7B | $28.0B |
| Total liabilities | $9.63B | $10.6B | $11.1B | $11.3B | $15.8B | $18.7B | $21.3B | $24.0B | $24.3B | $24.4B |
| Long-term debt | $175M | $121M | $267M | $213M | $327M | $247M | $325M | $325M | $254M | $120M |
| Shareholders' equity | $1.08B | $1.30B | $1.46B | $1.64B | $2.01B | $2.22B | $2.70B | $3.26B | $3.43B | $3.64B |
| Retained earnings | -$252M | -$210M | -$90.4M | $40.2M | $137M | $331M | $509M | $581M | $714M | $914M |
| Shares (wtd avg diluted) | 71.9M | 73.3M | 79.7M | 79.7M | 83.2M | 88.1M | 107M | 118M | 120M | 121M |
Every figure is extracted from UNITED COMMUNITY BANKS INC’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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