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United Community Banks UCB Service charges and fees — Other noninterest income

Other product segments

Mortgage loan gains and other related fees
$8.03M+31.1%

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FUNCMiscellaneous Other Service — Noninterest Income Other
$429K+4.6%
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SHBIOther noninterest income
$1.36M-31.2%
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FUNCDebit Card Income — Noninterest Income Other
$1.05M+6.4%

Other financials

Income statement

See full
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

See full
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:NoninterestIncomeOther.

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
Total interest expense101,197123,336
Net interest revenue232,764212,021
Noninterest income:
Service charges and fees9,5459,535
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

Item 1. Financial Statements

FAQ

What is United Community Banks's service charges and fees — other noninterest income?
United Community Banks (UCB) reported service charges and fees — other noninterest income of $9.55M in Q1 2026.
How has United Community Banks's service charges and fees — other noninterest income changed year-over-year?
United Community Banks's service charges and fees — other noninterest income increased by 0.1% year-over-year, from $9.54M to $9.55M.
What is the long-term trend for United Community Banks's service charges and fees — other noninterest income?
Over 4 years (2021 to 2025), United Community Banks's service charges and fees — other noninterest income has grown at a 5.4% compound annual growth rate (CAGR), from $33.87M to $41.73M.
What does service charges and fees — other noninterest income mean?
This metric represents the total revenue generated from recurring service charges, transaction fees, and other related administrative fees associated with customer deposit accounts and banking services. It serves as a key indicator of non-interest income stability and the bank's ability to monetize its core retail and commercial deposit base. Growth in this area reflects successful customer acquisition, increased transaction volume, or adjustments to fee structures within the bank's community-focused operating model.

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