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United Community Banks UCB Q4 2024 Annual earnings

Reported January 22, 2025 · Before market open

Revenue$245.0MMiss by $596.0K
EPS$0.63Beat by $0.08
Revenue estimate$245.6M
EPS estimate$0.55

Next report

Oct 21, 2026 (in a month)
Revenue estimate$282.5M
EPS estimate$0.77

Financials

Q4 2024

Income statement

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Revenue$250.9M-1.7%
Net income$75.8M+438%
EPS (diluted)$0.61+510%

Balance sheet

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Cash & equivalents$519.9M-48.2%
Total debt$494.3M+34.0%
Total equity$3.4B+5.2%
Total assets$27.7B+1.5%

Cash flow

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Operating cash flow$148.1M+580%
CapEx$5.5M-58.4%
Free cash flow$142.6M+1,588%

Valuation & ratios

Valuation

as of 12/31/24
See full
Market cap$3.85B—
Enterprise value$3.83B—
P/E15.3×—
P/S4×—

Profitability

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Net margin26.5%+5.5pp
FCF margin32%+7.2pp

Returns & leverage

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Return on equity7.5%+1.3pp
Debt / equity0.1×0.0×

FAQ

When did United Community Banks report Q4 2024 earnings?
United Community Banks (UCB) reported Q4 2024 earnings on January 22, 2025 before market open.
What were United Community Banks's Q4 2024 revenue and EPS?
United Community Banks reported revenue of $245.0M and eps of $0.63 for Q4 2024.
Did United Community Banks beat estimates in Q4 2024?
Revenue missed the consensus estimate of $245.6M by $596.0K. EPS beat the consensus estimate of $0.55 by $0.08.
Where can I find United Community Banks's Q4 2024 SEC filings?
You can read the 8-K earnings release (0001104659-25-005067) and the 10-K periodic report (0000857855-25-000057) directly on SEC EDGAR. The filing index links above go to sec.gov.