United Community Banks to Release Q4 2025 Financial Results on January 14, 2026
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Dec 22 2025
0mins
Should l Buy UCB?
Source: Globenewswire
- Earnings Release Schedule: United Community Banks will announce its Q4 2025 financial results on January 14, 2026, before the market opens, which is expected to provide investors with critical financial data and business highlights.
- Conference Call Details: The company will hold a conference call at 9:00 a.m. EST on the same day to discuss financial results and outlook, allowing participants to pre-register online or dial in, enhancing investor engagement.
- Asset Overview: As of September 30, 2025, United Community Banks reported total assets of $28.1 billion, demonstrating its strong position among U.S. financial institutions and further solidifying its market competitiveness.
- Customer Satisfaction Recognition: The bank has been awarded J.D. Power's highest customer satisfaction award for consumer banks in the Southeast for 11 consecutive years, indicating its excellence in customer service and enhancing brand trust and market appeal.
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Analyst Views on UCB
Wall Street analysts forecast UCB stock price to rise
5 Analyst Rating
3 Buy
2 Hold
0 Sell
Moderate Buy
Current: 34.540
Low
34.00
Averages
114.43
High
349.72
Current: 34.540
Low
34.00
Averages
114.43
High
349.72
About UCB
United Community Banks, Inc. is the financial holding company for United Community (the Bank). The Bank offers a full range of banking, mortgage and wealth management services. The Bank operates approximately 201 offices across Alabama, Florida, Georgia, North Carolina, South Carolina, Miami and Tennessee. The Company also manages a national SBA lending franchise and a national equipment finance subsidiary, extending its reach to businesses across the country. It provides a range of financial products and services to the commercial, retail, governmental, educational, energy, healthcare and real estate sectors. This includes a variety of deposit products, secured and unsecured loans, mortgage loans, payment and commerce solutions, equipment finance services, wealth management, trust services, private banking, investment advisory services, insurance services, and other related financial services. These products and services are delivered through a variety of channels.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Sales Exceed Expectations: The company posted quarterly sales of $278.388 million, surpassing the analyst consensus of $273.533 million, reflecting strong business growth momentum.
- Improved Asset Mix: CEO Lynn Harton highlighted healthy loan growth for 2025, leading to an improvement in the earning asset mix, with a 36 basis points year-over-year expansion in net interest margin, showcasing effective deposit pricing strategies.
- Share Buyback and Debt Redemption: In Q4, the company repurchased one million common shares at an average price of $29.84 and redeemed $35 million of senior debt, demonstrating confidence in future performance.
See More
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- Earnings Per Share Improvement: The operating earnings per share for the quarter was $0.71, reflecting a 13% year-over-year increase, with full-year EPS rising from $2.30 to $2.71, showcasing the company's success in cost control and efficiency enhancement.
- Increased Shareholder Returns: The company raised its dividend to an annualized rate of $1 per share in Q3 and repurchased 1 million shares in Q4 at an average price below $30, further enhancing returns to common shareholders.
- Market Expansion Strategy: United Community Banks is expanding into new markets such as Florida and North Carolina while optimizing risk management and deposit pricing systems, which is expected to lay the groundwork for future growth.
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- Revenue Increase: The company's revenue rose by 11% year-over-year to $278.38 million, up from $250.85 million last year, reflecting strong business expansion and market demand.
- Financial Performance: Under GAAP standards, United Community Banks' earnings performance exceeded market expectations, with both net profit and EPS achieving double-digit growth, demonstrating the company's resilience and profitability in the current economic environment.
- Market Confidence: With the growth in profits and revenue, investor confidence in United Community Banks is likely to strengthen, potentially attracting more investor interest in its future growth prospects and market performance.
See More
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- Significant Revenue Growth: Q4 revenue reached $278.4 million, up 16.3% year-over-year, exceeding expectations by $4.8 million, indicating strong competitiveness and robust customer demand in the market.
- Improved Return on Assets: The bank's return on assets was 1.21%, up from 1.06% a year ago, reflecting effective strategies in asset utilization by management, further solidifying the company's financial health.
- Increased Credit Loss Provisions: Provisions for credit losses amounted to $13.7 million, an increase of $2.3 million from last year, showing a cautious approach to potential credit risks, while net charge-offs remained manageable at 0.34%.
See More
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- Earnings Per Share Increase: The diluted earnings per share for 2025 reached $2.62, up 28% from $2.04 in 2024, showcasing the company's success in revenue growth and cost control, thereby boosting investor confidence.
- Loan Portfolio Expansion: Total loans reached $19.384 billion in 2025, marking a 4.4% increase from 2024, indicating robust performance in commercial and mortgage lending, which enhances market share.
- Capital Management Optimization: The company repurchased 1 million shares of common stock at an average price of $29.84 per share and redeemed $35 million of senior debt in Q4, demonstrating effective capital management and confidence in future growth.
See More
