United Community Banks Inc. Reports Increase in Q3 Profits
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 22 2025
0mins
Should l Buy UCB?
Source: NASDAQ.COM
Earnings Growth: United Community Banks Inc. reported a significant increase in earnings for the third quarter, reaching $86.139 million compared to $45.502 million the previous year.
Revenue Increase: The company's revenue rose by 27.4%, totaling $276.848 million, up from $217.277 million in the same quarter last year.
Trade with 70% Backtested Accuracy
Stop guessing "Should I Buy UCB?" and start using high-conviction signals backed by rigorous historical data.
Sign up today to access powerful investing tools and make smarter, data-driven decisions.
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: 30.840
Low
34.00
Averages
114.43
High
349.72
Current: 30.840
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.
New Data on BIMZELX in Psoriasis Treatment Released
- Significant Treatment Outcomes: In the BE RADIANT and BE VIVID trials, 62.6% and 64.9% of psoriasis patients achieved the National Psoriasis Foundation (NPF) defined on-treatment remission after receiving BIMZELX, demonstrating the drug's efficacy and reliability in clinical applications.
- Long-term Efficacy Maintenance: Among patients who were retreated with BIMZELX after stopping treatment, 83.6% achieved complete skin clearance (PASI 100) at four years, indicating the drug's potential for long-term management of psoriasis and effective disease control.
- Clinical Guidance Significance: The new definition from the National Psoriasis Foundation provides clinicians with a benchmark, enabling them to confidently assist patients in achieving minimal or no disease status in routine practice, thereby improving patients' quality of life.
- Continuity of Treatment Challenges: Although continuity of treatment may be impacted in real-world settings, the study results indicate that retreatment with BIMZELX can effectively restore disease control, highlighting the drug's importance in psoriasis management.
See More
United Community Banks Declares Quarterly Dividend
- Quarterly Dividend Announcement: United Community Banks declares a quarterly dividend of $0.25 per share, consistent with previous distributions, indicating stable cash flow and profitability, which is expected to bolster investor confidence.
- Yield Performance: The forward yield of 2.91% is attractive in the current market environment, potentially drawing in more investors seeking stable returns, thereby enhancing shareholder value.
- Dividend Payment Schedule: The dividend will be payable on April 3, with a record date of March 13 and an ex-dividend date also on March 13, ensuring shareholders receive timely returns and strengthening trust between the company and its investors.
- Financial Performance Highlights: United Community Banks reported a non-GAAP EPS of $0.71 and revenue of $278.4 million, exceeding expectations by $4.8 million, showcasing ongoing loan growth and increased buybacks, reflecting its strong market position.
See More
Riley Exploration Permian (REPX) Sees 4.5% Earnings Estimate Increase
- Earnings Estimate Increase: Riley Exploration Permian, Inc. has seen a 4.5% increase in its current year earnings estimate over the last 60 days, indicating enhanced profitability that may attract more investor interest.
- High Dividend Yield: The company boasts a dividend yield of 5.7%, significantly higher than the industry average of 0.0%, making it a more appealing option for income-focused investors.
- Banking Sector Performance: United Community Banks, Inc. also holds a Zacks Rank #1, with a 0.7% increase in its current year earnings estimate over the past 60 days, reflecting its stable growth potential.
- Dividend Advantage: United Community Banks offers a dividend yield of 3%, surpassing the industry average of 2.1%, further enhancing its attractiveness as an income investment choice.
See More
United Community Banks Reports In-Line Q4 Earnings, Sales Beat Estimates
- Stable Earnings Performance: United Community Banks reported Q4 earnings of $0.71 per share, meeting analyst consensus estimates, indicating the company's stable profitability.
- 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
United Community Banks Reports 11% Revenue Growth in Q4 2025
- Significant Revenue Growth: United Community Banks reported an 11% year-over-year revenue increase in Q4 2025, driven by a 4.4% annualized loan growth and continued margin expansion, indicating strong market performance.
- 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.
See More
United Community Banks Inc. Reports Q4 Profit Increase to $85.89 Million
- Profit Growth: United Community Banks Inc. reported a fourth-quarter net profit of $85.89 million, translating to an earnings per share (EPS) of $0.70, which marks a significant increase from last year's $73.72 million and $0.61 EPS, indicating enhanced profitability.
- 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
New Data on BIMZELX in Psoriasis Treatment Released
- Significant Treatment Outcomes: In the BE RADIANT and BE VIVID trials, 62.6% and 64.9% of psoriasis patients achieved the National Psoriasis Foundation (NPF) defined on-treatment remission after receiving BIMZELX, demonstrating the drug's efficacy and reliability in clinical applications.
- Long-term Efficacy Maintenance: Among patients who were retreated with BIMZELX after stopping treatment, 83.6% achieved complete skin clearance (PASI 100) at four years, indicating the drug's potential for long-term management of psoriasis and effective disease control.
- Clinical Guidance Significance: The new definition from the National Psoriasis Foundation provides clinicians with a benchmark, enabling them to confidently assist patients in achieving minimal or no disease status in routine practice, thereby improving patients' quality of life.
- Continuity of Treatment Challenges: Although continuity of treatment may be impacted in real-world settings, the study results indicate that retreatment with BIMZELX can effectively restore disease control, highlighting the drug's importance in psoriasis management.
See More
United Community Banks Declares Quarterly Dividend
- Quarterly Dividend Announcement: United Community Banks declares a quarterly dividend of $0.25 per share, consistent with previous distributions, indicating stable cash flow and profitability, which is expected to bolster investor confidence.
- Yield Performance: The forward yield of 2.91% is attractive in the current market environment, potentially drawing in more investors seeking stable returns, thereby enhancing shareholder value.
- Dividend Payment Schedule: The dividend will be payable on April 3, with a record date of March 13 and an ex-dividend date also on March 13, ensuring shareholders receive timely returns and strengthening trust between the company and its investors.
- Financial Performance Highlights: United Community Banks reported a non-GAAP EPS of $0.71 and revenue of $278.4 million, exceeding expectations by $4.8 million, showcasing ongoing loan growth and increased buybacks, reflecting its strong market position.
See More
Riley Exploration Permian (REPX) Sees 4.5% Earnings Estimate Increase
- Earnings Estimate Increase: Riley Exploration Permian, Inc. has seen a 4.5% increase in its current year earnings estimate over the last 60 days, indicating enhanced profitability that may attract more investor interest.
- High Dividend Yield: The company boasts a dividend yield of 5.7%, significantly higher than the industry average of 0.0%, making it a more appealing option for income-focused investors.
- Banking Sector Performance: United Community Banks, Inc. also holds a Zacks Rank #1, with a 0.7% increase in its current year earnings estimate over the past 60 days, reflecting its stable growth potential.
- Dividend Advantage: United Community Banks offers a dividend yield of 3%, surpassing the industry average of 2.1%, further enhancing its attractiveness as an income investment choice.
See More
United Community Banks Reports In-Line Q4 Earnings, Sales Beat Estimates
- Stable Earnings Performance: United Community Banks reported Q4 earnings of $0.71 per share, meeting analyst consensus estimates, indicating the company's stable profitability.
- 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
United Community Banks Reports 11% Revenue Growth in Q4 2025
- Significant Revenue Growth: United Community Banks reported an 11% year-over-year revenue increase in Q4 2025, driven by a 4.4% annualized loan growth and continued margin expansion, indicating strong market performance.
- 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.
See More
United Community Banks Inc. Reports Q4 Profit Increase to $85.89 Million
- Profit Growth: United Community Banks Inc. reported a fourth-quarter net profit of $85.89 million, translating to an earnings per share (EPS) of $0.70, which marks a significant increase from last year's $73.72 million and $0.61 EPS, indicating enhanced profitability.
- 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
