•
Jun 30, 2024

United Community Banks Q2 2024 Earnings Report

United Community Banks reported strong margin expansion driving growth in net income.

Key Takeaways

United Community Banks, Inc. announced a net income of $66.6 million for the second quarter of 2024. Diluted earnings per share were $0.54, a 2% increase year-over-year and a 6% increase from the previous quarter. The increase in earnings per share was primarily driven by higher net interest income.

Net income for the second quarter was $66.6 million.

Diluted earnings per share increased to $0.54, up 2% year-over-year.

Net interest margin increased by 17 basis points to 3.37% from the first quarter.

The company decided to sell its investment in FinTrust Capital Advisors, LLC, focusing on Private Banking, Retail, and Trust businesses.

Total Revenue
$245M
Previous year: $237M
+3.6%
EPS
$0.58
Previous year: $0.55
+5.5%
Return on assets
0.97%
Previous year: 0.95%
+2.1%
Gross Profit
$233M
Previous year: $214M
+8.9%
Cash and Equivalents
$563M
Previous year: $711M
-20.8%
Free Cash Flow
$87.2M
Previous year: $73.7M
+18.3%
Total Assets
$27.1B
Previous year: $26.1B
+3.8%

United Community Banks

United Community Banks

Forward Guidance

United expects loan growth to be weaker in the near term as customers appear to be taking a conservative approach to economic and election uncertainty.