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United Community Banks UCB Gross charge-offs

Gross charge-offs at other companies

First Citizens BancShares logo
First Citizens BancSharesFCNCA
$130M-9.7%
BankUnited logo
BankUnitedBKU
$10.39M-27.1%
Northwest Bancshares logo
Northwest BancsharesNWBI
$6.8M-14.0%
CNB Financial logo
CNB FinancialCCNE
$1.54M-54.8%
Union Bankshares logo
Union BanksharesUNB
$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+19.0%
Enterprise value$4.23B+32.4%
P/E11.4×-1.8×
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:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff.

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)Three Months Ended March 31, 2026 / Beginning BalanceThree Months Ended March 31, 2026 / Charge-OffsThree Months Ended March 31, 2026 / RecoveriesThree Months Ended March 31, 2026 / ProvisionEnding Balance
Equipment financing45,852(7,179)1,3442,84542,862
Residential mortgage29,241(184)5122529,333
Home equity11,8495486612,769
Residential construction & land1,799(37)251131,900
Consumer1,174(833)2785341,153
ACL - loans210,429(12,900)2,5238,344208,396
ACL - unfunded commitments15,0912,50917,600
Total ACL$225,520$(12,900)$2,523$10,853$225,996

Item 1. Financial Statements

FAQ

What is United Community Banks's gross charge-offs?
United Community Banks (UCB) reported gross charge-offs of $12.9M in Q1 2026.
How has United Community Banks's gross charge-offs changed year-over-year?
United Community Banks's gross charge-offs increased by 4.2% year-over-year, from $12.38M to $12.9M.

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