UNITED COMMUNITY BANKS, INC. (UCB) Spending and interest coverage
- R&D / revenue · 12 months: Value (m); Formula and calculation Research and development expense / revenue. Period ending 2026-06-30..
- Stock-based compensation / revenue · 12 months: Value 1.19%; Formula and calculation Share-based compensation / revenue. Period ending 2026-06-30..
- Interest coverage · 12 months: Value (m); Formula and calculation Estimated: average term debt × dated USD coupon proxy + average commercial paper × matching-currency disclosed rate at or before period end. Swaps, foreign-exchange, lease interest and amortization are not quantified..
Spending and interest coverage
Overview →Financial period ending 2026-06-30; current quote (m). Amounts retain their stated periods and units.
| Metric | Value | Formula and calculation |
|---|---|---|
| R&D / revenue · 12 months | (m) | Research and development expense / revenue. Period ending 2026-06-30. Calculation unavailable: missing inputs remain (m). |
| Stock-based compensation / revenue · 12 months | 1.19% | Share-based compensation / revenue. Period ending 2026-06-30. $13.25M ÷ $1.11B × 100 ≈ 1.19% |
| Interest coverage · 12 months | (m) | Estimated: average term debt × dated USD coupon proxy + average commercial paper × matching-currency disclosed rate at or before period end. Swaps, foreign-exchange, lease interest and amortization are not quantified. Calculation unavailable: missing inputs remain (m). |
Calculation inputs
| Input | Amount with unit | Raw financial data |
|---|---|---|
| Research and development spending | (m) | |
| Revenue | 1.11B USD | Revenue from Contract with Customer, Excluding Assessed Tax |
| Stock-based compensation | 13.25M USD | Share-based Payment Arrangement, Noncash Expense |
| Operating income | (m) | |
| Interest expense · reported / estimated | (m) | Interest Expense · Estimated expense assumptions |
Latest interest expense basis: (m). Estimated values carry *; expand each history row’s basis for its dated balances and rate assumptions.
Calculated history
Changes compare with the next older row (previous quarter), unless explicitly labeled otherwise. Rolling 12-month growth compares two successive quarter-end rolling totals; it is not year-over-year growth.
| Period ending | Research and development spending (USD) | Revenue (USD) | Stock-based compensation (USD) | Operating income (USD) | Interest expense · reported / estimated (USD) | R&D / revenue | SBC / revenue | Interest coverage | Interest expense basis |
|---|---|---|---|---|---|---|---|---|---|
| 2026-06-30 | (m) | $1.11B | $13.25M | (m) | (m) | (m) | 1.19% | (m) | (m) |
| 2026-03-31 | (m) | $1.09B | $12.43M | (m) | (m) | (m) | 1.14% | (m) | (m) |
| 2025-12-31 | (m) | $1.06B | $11.40M | (m) | (m) | (m) | 1.07% | (m) | (m) |
| 2025-09-30 | (m) | $984.67M | $11.25M | (m) | (m) | (m) | 1.14% | (m) | (m) |
| 2025-06-30 | (m) | $925.10M | $11.02M | (m) | (m) | (m) | 1.19% | (m) | (m) |
| 2025-03-31 | (m) | $910.11M | $10.72M | (m) | (m) | (m) | 1.18% | (m) | (m) |
| 2024-12-31 | (m) | $901.17M | $10.80M | (m) | (m) | (m) | 1.20% | (m) | (m) |
| 2024-09-30 | (m) | $827.44M | $9.57M | (m) | (m) | (m) | 1.16% | (m) | (m) |
| 2024-06-30 | (m) | $828.86M | $9.13M | (m) | $531.68M | (m) | 1.10% | (m) | Reported |
| 2024-03-31 | (m) | $809.76M | $8.85M | (m) | $488.90M | (m) | 1.09% | (m) | Reported |
| 2023-12-31 | (m) | $803.82M | $8.93M | (m) | $419.34M | (m) | 1.11% | (m) | Reported |
| 2023-09-30 | (m) | $861.49M | $9.15M | (m) | $315.04M | (m) | 1.06% | (m) | Reported |
| 2023-06-30 | (m) | $873.53M | $8.63M | (m) | $208.56M | (m) | 0.99% | (m) | Reported |
| 2023-03-31 | (m) | $866.37M | $8.70M | (m) | $121.55M | (m) | 1.00% | (m) | Reported |
| 2022-12-31 | (m) | $826.15M | $8.71M | (m) | $60.80M | (m) | 1.05% | (m) | Reported |
| 2022-09-30 | (m) | $778.12M | $8.39M | (m) | $36.07M | (m) | 1.08% | (m) | Reported |
| 2022-06-30 | (m) | $753.98M | $8.27M | (m) | $28.59M | (m) | 1.10% | (m) | Reported |
| 2022-03-31 | (m) | $735.03M | $7.54M | (m) | $27.55M | (m) | 1.03% | (m) | Reported |
| 2021-12-31 | (m) | $744.40M | $6.55M | (m) | $29.76M | (m) | 0.88% | (m) | Reported |
| 2021-09-30 | (m) | $752.89M | $6.76M | (m) | $34.22M | (m) | 0.90% | (m) | Reported |
| 2021-06-30 | (m) | $716.06M | $6.77M | (m) | $40.91M | (m) | 0.95% | (m) | Reported |
| 2021-03-31 | (m) | $644.25M | $6.90M | (m) | $47.77M | (m) | 1.07% | (m) | Reported |
| 2020-12-31 | (m) | $577.43M | $7.89M | (m) | $56.24M | (m) | 1.37% | (m) | Reported |
| 2020-09-30 | (m) | $536.89M | $7.62M | (m) | $65.34M | (m) | 1.42% | (m) | Reported |
| 2020-06-30 | (m) | $526.82M | $7.61M | (m) | $73.30M | (m) | 1.45% | (m) | Reported |
| 2020-03-31 | (m) | $674.73M | $9.87M | (m) | $80.37M | (m) | 1.46% | (m) | Reported |
| 2019-12-31 | (m) | $560.96M | $9.36M | (m) | $83.31M | (m) | 1.67% | (m) | Reported |
| 2019-09-30 | (m) | $426.80M | $9.66M | (m) | $82.51M | (m) | 2.26% | (m) | Reported |
| 2019-06-30 | (m) | $56.47M | $9.78M | (m) | $77.84M | (m) | 17.33% | (m) | Reported |
| 2019-03-31 | (m) | $35.52M | $6.89M | (m) | $70.21M | (m) | 19.41% | (m) | Reported |
| 2018-12-31 | (m) | $36.00M | $6.06M | (m) | $61.33M | (m) | 16.83% | (m) | Reported |
| 2018-09-30 | (m) | $437.75M | $5.54M | (m) | $51.60M | (m) | 1.27% | (m) | Reported |
| 2018-06-30 | (m) | $479.48M | $4.95M | (m) | $44.06M | (m) | 1.03% | (m) | Reported |
| 2018-03-31 | (m) | $457.50M | $5.65M | (m) | $38.34M | (m) | 1.24% | (m) | Reported |
| 2017-12-31 | (m) | $440.44M | $5.83M | (m) | $33.73M | (m) | 1.32% | (m) | Reported |
| 2017-09-30 | (m) | $428.37M | $5.60M | (m) | $31.34M | (m) | 1.31% | (m) | Reported |
| 2017-06-30 | (m) | $424.67M | $5.82M | (m) | $28.73M | (m) | 1.37% | (m) | Reported |
| 2017-03-31 | (m) | $415.35M | $4.90M | (m) | $26.87M | (m) | 1.18% | (m) | Reported |
| 2016-12-31 | (m) | $404.28M | $4.50M | (m) | $25.24M | (m) | 1.11% | (m) | Reported |
| 2016-09-30 | (m) | $392.87M | $4.32M | (m) | $23.98M | (m) | 1.10% | (m) | Reported |
| 2016-06-30 | (m) | $370.24M | $4.05M | (m) | $22.93M | (m) | 1.09% | (m) | Reported |
| 2016-03-31 | (m) | $348.89M | $4.33M | (m) | $21.59M | (m) | 1.24% | (m) | Reported |
| 2015-12-31 | (m) | $326.25M | $4.40M | (m) | $21.11M | (m) | 1.35% | (m) | Reported |
| 2015-09-30 | (m) | $302.46M | $4.33M | (m) | $21.53M | (m) | 1.43% | (m) | Reported |
| 2015-06-30 | (m) | $288.41M | $4.25M | (m) | $22.50M | (m) | 1.47% | (m) | Reported |
| 2015-03-31 | (m) | $277.57M | $4.17M | (m) | $24.52M | (m) | 1.50% | (m) | Reported |
| 2014-12-31 | (m) | $269.94M | $4.30M | (m) | $25.55M | (m) | 1.59% | (m) | Reported |
| 2014-09-30 | (m) | $265.00M | $4.19M | (m) | $25.35M | (m) | 1.58% | (m) | Reported |
| 2014-06-30 | (m) | $261.13M | $3.91M | (m) | $26.14M | (m) | 1.50% | (m) | Reported |
| 2014-03-31 | (m) | $216.62M | $3.54M | (m) | $26.47M | (m) | 1.63% | (m) | Reported |
| 2013-12-31 | (m) | $209.26M | $3.04M | (m) | $27.68M | (m) | 1.46% | (m) | Reported |
| 2013-09-30 | (m) | $199.65M | $2.73M | (m) | $30.05M | (m) | 1.37% | (m) | Reported |
| 2013-06-30 | (m) | $189.75M | $2.39M | (m) | $31.64M | (m) | 1.26% | (m) | Reported |
| 2013-03-31 | (m) | $219.00M | $2.02M | (m) | $34.45M | (m) | 0.92% | (m) | Reported |
| 2012-12-31 | (m) | $221.68M | $1.98M | (m) | $38.33M | (m) | 0.89% | (m) | Reported |
| 2012-09-30 | (m) | $222.57M | $2.07M | (m) | $42.76M | (m) | 0.93% | (m) | Reported |
| 2012-06-30 | (m) | $201.71M | $2.33M | (m) | $49.42M | (m) | 1.16% | (m) | Reported |
| 2012-03-31 | (m) | $211.87M | $2.18M | (m) | $57.46M | (m) | 1.03% | (m) | Reported |
| 2011-12-31 | (m) | $30.87M | $2.14M | (m) | $65.67M | (m) | 6.95% | (m) | Reported |
| 2011-09-30 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2011-06-30 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2011-03-31 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2010-12-31 | (m) | $66.60M | $2.46M | (m) | $100.07M | (m) | 3.69% | (m) | Reported |
| 2010-09-30 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2010-06-30 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2009-12-31 | (m) | $-4.55M | $3.70M | (m) | $159.73M | (m) | -81.39% | (m) | Reported |
(m) means missing inputs. Historical market-based ratios use the saved close on or immediately before period ending and that period’s reported shares; current quotes are not substituted. Five-year projections repeat historical CAGR, not analyst forecasts.
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