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United Community Banks UCB Outside services - electronic banking

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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 ucbi:NoninterestExpenseOutsideServicesElectronicBanking.

The source filing: United Community Banks’s 8-K, filed July 21, 2026. Open the filing →

Filed
Jul 21, 2026, 7:35 AM EDT
Accession
0001104659-26-085229

FAQ

What is United Community Banks's outside services - electronic banking?
United Community Banks (UCB) reported outside services - electronic banking of $3.56M in Q2 2026.
How has United Community Banks's outside services - electronic banking changed year-over-year?
United Community Banks's outside services - electronic banking decreased by 0.4% year-over-year, from $3.57M to $3.56M.
What is the long-term trend for United Community Banks's outside services - electronic banking?
Over 4 years (2021 to 2025), United Community Banks's outside services - electronic banking has grown at a 9.1% compound annual growth rate (CAGR), from $9.48M to $13.44M.
What does outside services - electronic banking mean?
This represents the costs incurred for third-party electronic banking services, including digital payment processing, online banking platforms, and mobile application support. As banks increasingly rely on digital channels to serve customers, this metric tracks the investment in outsourced technological infrastructure. It is a critical component for evaluating the bank's digital transformation and operational outsourcing strategy.

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