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Sep 30, 2022

United Community Banks Q3 2022 Earnings Report

Reported strong core profitability driven by loan growth and continued margin expansion.

Key Takeaways

United Community Banks, Inc. reported a net income of $81.2 million for the third quarter. The company experienced annualized loan growth of 9.4% and net interest margin expansion of 38 basis points. The efficiency ratio improved to 48.4%, or 47.7% on an operating basis.

Net income for the third quarter was $81.2 million.

Diluted earnings per share was $0.74 for the quarter.

Annualized loan growth was 9.4%.

Net interest margin expansion was 38 basis points.

Total Revenue
$232M
Previous year: $181M
+27.9%
EPS
$0.75
Previous year: $0.83
-9.6%
Efficiency ratio
48.4%
Return on assets
1.32%
Previous year: 1.48%
-10.8%
Return on common equity
11.02%
Previous year: 14.3%
-22.9%
Gross Profit
$216M
Previous year: $192M
+12.6%
Cash and Equivalents
$484M
Previous year: $1.82B
-73.4%
Free Cash Flow
$151M
Previous year: $115M
+31.4%
Total Assets
$23.7B
Previous year: $19.5B
+21.6%

United Community Banks

United Community Banks