United Community Banks Reports Q4 Revenue Growth of 16.3% to $278.4 Million
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 14 2026
0mins
Source: seekingalpha
- Steady Earnings Performance: United Community Banks reported a Q4 non-GAAP EPS of $0.71, in line with expectations, demonstrating stability in profitability and boosting investor confidence.
- 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%.
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Analyst Views on UCB
Wall Street analysts forecast UCB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for UCB is 114.43 USD with a low forecast of 34.00 USD and a high forecast of 349.72 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
5 Analyst Rating
3 Buy
2 Hold
0 Sell
Moderate Buy
Current: 34.230
Low
34.00
Averages
114.43
High
349.72
Current: 34.230
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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- 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.
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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.
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