Company / Total Debt
United Community Banks, Inc. Total Debt History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Total Debt
$120.4M
FY2025
5-year range
$120.4M / $324.8M
FY2021-FY2025
Trend
-52.6%
vs FY2024
Sector context
#173 of 198
Financials
What the data says
United Community Banks, Inc.'s total debt of $120M is lower than 87% of companies in the Financials sector (FY2025). Total Debt has fluctuated over the past 10 years, ranging from $120M in FY2025 to $327M in FY2020.
Based on SEC 10-K filings.
$120M in FY2025 with a 5-year CAGR of -18.1%.
Improved from $325M to $120M over the past 2 years.
Financials sector context is included.
Total Debt over time
Growth rates
- 3-Year CAGR
- -28.2%
- 5-Year CAGR
- -18.1%
- 10-Year CAGR
- -
Sector benchmark
Top 13% in FinancialsTop 13% of 198This company $120.4M Sector average $11.0B
▼
-98.9% below sector average
Key checks
Key Insights
- 5-year CAGR of -18.1%, indicating a declining trend.
- In FY2025, total debt decreased 52.6% year-over-year.
- Ranks #173 out of 198 companies in the Financials sector.
- Peak total debt was recorded in FY2020.
Company context
Key Data Points
- Altman Z-Score 0.13 (distress zone, below 1.8 threshold)
- Strong profit margin: 32.2%
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | Total DebtValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | $120.4M | -52.6% |
| FY2024 | $254.2M | -21.8% |
| FY2023 | $324.8M | +0.0% |
| FY2022 | $324.7M | +31.3% |
| FY2021 | $247.4M | -24.3% |
| FY2020 | $327.0M | +53.7% |
| FY2019 | $212.7M | -20.4% |
| FY2018 | $267.2M | +121.7% |
| FY2017 | $120.5M | -31.1% |
| FY2016 | $175.1M | +6.9% |
As of FY2025 · SEC 10-K · Updated Jun 30, 2026