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United Community Banks UCB Cumulative Gross Losses and Impairments

Cumulative Gross Losses and Impairments at other companies

First Citizens BancShares logo
First Citizens BancSharesFCNCA
$1.22B-7.5%
Community Financial System logo
Community Financial SystemCBU
$108.44M+12.8%
First United logo
First UnitedFUNC
$24.12M-9.7%
Northwest Bancshares logo
Northwest BancsharesNWBI
$80.39M-11.3%
CNB Financial logo
CNB FinancialCCNE
$0

Other financials

Income statement

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Revenue$279.3M+7.3%
Net income$115.6M+46.9%
EPS (diluted)$0.95+50.8%

Balance sheet

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Cash & equivalents$455.1M-20.8%
Total debt$380.6M+145%
Total equity$3.7B+3.7%
Total assets$29.1B+3.4%

Cash flow

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Operating cash flow$69.3M-29.8%
CapEx$6.9M+60.5%
Free cash flow$62.4M-33.9%

Valuation

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Market cap$4.3B+18.6%
Enterprise value$4.23B+31.8%
P/E11.4×-1.9×
P/S3.9×+0.2×

Profitability

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Net margin34%+6.0pp
FCF margin29.7%-4.0pp

Returns & leverage

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Return on equity10.3%+2.4pp
Debt / equity0.1×+0.1×

Where this comes from

Reported directly by United Community Banks in its filing.

Tagged under the XBRL concept us-gaap:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.

The source filing: United Community Banks’s 10-Q, filed May 6, 2026.

Filed
May 6, 2026, 3:54 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0000857855-26-000017
(in thousands) / As of March 31, 2026Amortized CostGross Unrealized GainsGross Unrealized LossesFair Value
Residential MBS, Agency & GSEs1,161,3178170,735990,590
Commercial MBS, Agency & GSEs635,134102,957532,177
Supranational entities15,0001,85713,143
Total$2,211,523$25$333,134$1,878,414
As of December 31, 2025
U.S. Treasuries$19,927$888$19,039
U.S. Government Agencies & GSEs98,85111,23387,618
State and political subdivisions282,8074241,784241,065

Item 1. Financial Statements

FAQ

What is United Community Banks's cumulative gross losses and impairments?
United Community Banks (UCB) reported cumulative gross losses and impairments of $333.13M in Q1 2026.
How has United Community Banks's cumulative gross losses and impairments changed year-over-year?
United Community Banks's cumulative gross losses and impairments decreased by 13.8% year-over-year, from $386.35M to $333.13M.
What is the long-term trend for United Community Banks's cumulative gross losses and impairments?
Over 5 years (2020 to 2025), United Community Banks's cumulative gross losses and impairments has grown at a 0.8% compound annual growth rate (CAGR), from $306M to $318.99M.
What does cumulative gross losses and impairments mean?
This metric aggregates all unrealized losses and recognized impairment charges on investment securities that have not yet been realized through a sale. It provides a comprehensive view of the negative valuation adjustments impacting the bank's equity. It is a key indicator of the credit and market risk embedded in the bank's long-term holdings.

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