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United Community Banks UCB Provision for Credit Losses

Provision for Credit Losses at other companies

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$0
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-$27K-35.0%

Other financials

Income statement

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Revenue$276.5M+11.6%
Net income$84.3M+18.0%
EPS (diluted)$0.69+19.0%

Balance sheet

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Cash & equivalents$493.1M-22.5%
Total debt$120.5M-52.6%
Total equity$3.7B+4.4%
Total assets$28.2B+1.1%

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$3.93B+12.1%
Enterprise value$3.56B+14.0%
P/E11.5×-1.9×
P/S3.6×0.0×

Profitability

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Net margin31.2%+4.0pp
FCF margin29.7%-4.0pp

Returns & leverage

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Return on equity9.5%+1.8pp
Debt / equity0.0×

Where this comes from

Reported directly by United Community Banks in its filing.

Tagged under the XBRL concept ucbi:FinancingReceivableExcludingAccruedInterestAndOffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal.

The official record: United Community Banks’s 10-Q, filed May 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is United Community Banks's provision for credit losses?
United Community Banks (UCB) reported provision for credit losses of $10.85M in Q1 2026.
How has United Community Banks's provision for credit losses changed year-over-year?
United Community Banks's provision for credit losses decreased by 29.6% year-over-year, from $15.42M to $10.85M.
What is the long-term trend for United Community Banks's provision for credit losses?
Over 2 years (2023 to 2025), United Community Banks's provision for credit losses has grown at a -26.1% compound annual growth rate (CAGR), from $89.43M to $48.81M.
What does provision for credit losses mean?
This is the expense recognized to maintain an adequate allowance for potential credit losses within the loan portfolio based on expected credit loss models. It is a key indicator of the bank's credit risk profile and the anticipated quality of its loan assets.