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United Community Banks UCB Lending and loan servicing fees

Lending and loan servicing fees at other companies

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$1.12M+48.8%

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:OtherLendingAndLoanServicingFees.

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, except per share data)Three Months Ended March 31, 20262025
Mortgage loan gains and other related fees8,0296,122
Wealth management fees4,6294,465
Net gains from sales of other loans1,8931,396
Lending and loan servicing fees3,9714,165
Securities gains, net1336
Other15,5469,967
Total noninterest income43,74635,656
Total revenue276,510247,677

Item 1. Financial Statements

FAQ

What is United Community Banks's lending and loan servicing fees?
United Community Banks (UCB) reported lending and loan servicing fees of $3.97M in Q1 2026.
How has United Community Banks's lending and loan servicing fees changed year-over-year?
United Community Banks's lending and loan servicing fees decreased by 4.7% year-over-year, from $4.17M to $3.97M.
What is the long-term trend for United Community Banks's lending and loan servicing fees?
Over 4 years (2021 to 2025), United Community Banks's lending and loan servicing fees has grown at a 14.9% compound annual growth rate (CAGR), from $9.43M to $16.41M.
What does lending and loan servicing fees mean?
This represents recurring revenue generated from servicing loans for third parties or providing ancillary lending-related services. It serves as a stable, non-interest income source that is less sensitive to fluctuations in market interest rates.

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