United Community Banks Past Earnings Performance
Past criteria checks 2/6
United Community Banks has been growing earnings at an average annual rate of 8%, while the Banks industry saw earnings growing at 12.5% annually. Revenues have been growing at an average rate of 11.2% per year. United Community Banks's return on equity is 5.7%, and it has net margins of 22.4%.
Key information
8.0%
Earnings growth rate
-0.5%
EPS growth rate
| Banks Industry Growth | 10.6% |
| Revenue growth rate | 11.2% |
| Return on equity | 5.7% |
| Net Margin | 22.4% |
| Last Earnings Update | 31 Mar 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses BreakdownBeta
How United Community Banks makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Mar 24 | 810 | 181 | 471 | 0 |
| 31 Dec 23 | 804 | 181 | 462 | 0 |
| 30 Sep 23 | 862 | 248 | 443 | 0 |
| 30 Jun 23 | 874 | 280 | 425 | 0 |
| 31 Mar 23 | 866 | 283 | 414 | 0 |
| 31 Dec 22 | 826 | 269 | 401 | 0 |
| 30 Sep 22 | 777 | 240 | 388 | 0 |
| 30 Jun 22 | 753 | 232 | 376 | 0 |
| 31 Mar 22 | 735 | 236 | 359 | 0 |
| 31 Dec 21 | 744 | 261 | 343 | 0 |
| 30 Sep 21 | 754 | 269 | 349 | 0 |
| 30 Jun 21 | 717 | 242 | 347 | 0 |
| 31 Mar 21 | 644 | 199 | 337 | 0 |
| 31 Dec 20 | 577 | 159 | 325 | 0 |
| 30 Sep 20 | 534 | 151 | 304 | 0 |
| 30 Jun 20 | 524 | 153 | 294 | 0 |
| 31 Mar 20 | 548 | 172 | 288 | 0 |
| 31 Dec 19 | 561 | 184 | 283 | 0 |
| 30 Sep 19 | 553 | 181 | 281 | 0 |
| 30 Jun 19 | 543 | 176 | 273 | 0 |
| 31 Mar 19 | 534 | 171 | 266 | 0 |
| 31 Dec 18 | 522 | 165 | 260 | 0 |
| 30 Sep 18 | 505 | 108 | 247 | 0 |
| 30 Jun 18 | 479 | 92 | 234 | 0 |
| 31 Mar 18 | 457 | 81 | 225 | 0 |
| 31 Dec 17 | 440 | 67 | 223 | 0 |
| 30 Sep 17 | 428 | 106 | 209 | 0 |
| 30 Jun 17 | 425 | 105 | 208 | 0 |
| 31 Mar 17 | 415 | 102 | 204 | 0 |
| 31 Dec 16 | 404 | 101 | 199 | 0 |
| 30 Sep 16 | 393 | 92 | 195 | 0 |
| 30 Jun 16 | 371 | 84 | 185 | 0 |
| 31 Mar 16 | 349 | 76 | 176 | 0 |
| 31 Dec 15 | 328 | 72 | 166 | 0 |
| 30 Sep 15 | 304 | 72 | 155 | 0 |
| 30 Jun 15 | 289 | 71 | 149 | 0 |
| 31 Mar 15 | 283 | 70 | 145 | 0 |
| 31 Dec 14 | 274 | 67 | 142 | 0 |
| 30 Sep 14 | 269 | 62 | 140 | 0 |
| 30 Jun 14 | 266 | 57 | 138 | 0 |
| 31 Mar 14 | 217 | 267 | 139 | 0 |
| 31 Dec 13 | 209 | 261 | 140 | 0 |
| 30 Sep 13 | 200 | 250 | 139 | 0 |
| 30 Jun 13 | 190 | 245 | 139 | 0 |
Quality Earnings: UCBN has high quality earnings.
Growing Profit Margin: UCBN's current net profit margins (22.4%) are lower than last year (32.7%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: UCBN's earnings have grown by 8% per year over the past 5 years.
Accelerating Growth: UCBN's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: UCBN had negative earnings growth (-36%) over the past year, making it difficult to compare to the Banks industry average (27%).
Return on Equity
High ROE: UCBN's Return on Equity (5.7%) is considered low.