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United Community Banks
United Community Banks (UCB) investor relations material
United Community Banks Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary14 Jan, 2026
Executive summary
Achieved record annual and quarterly financial performance, with 11% year-over-year revenue growth in Q4 and 12% for the full year, alongside strong loan and earnings growth.
Operating EPS for Q4 was $0.71, up 13% year-over-year; full-year operating EPS grew 18% to $2.71.
Maintained a premier Southeast regional presence, focusing on high-growth MSAs and a diversified branch network.
Retail, small business, and Novitas equipment finance each exceeded $1 billion in annual production for the first time.
Recognized for client satisfaction and workplace culture, with multiple industry awards in 2025.
Financial highlights
Net interest margin for Q4 was 3.62%, up 36 basis points year-over-year and 4 basis points sequentially; annual NIM at 3.52%.
Total revenue for Q4 was $278.4 million, up 11% year-over-year; full-year revenue was $1.06 billion, up 12%.
Operating expenses were $151.4 million, up $4 million, mainly from higher group health insurance and incentive costs.
Tangible book value per share grew 11% year-over-year to $22.24.
Loan-to-deposit ratio increased to 82%; CET1 ratio stable at 13.4%.
Outlook and guidance
Expect continued balance sheet growth and positive loan growth momentum in 2026, with loan-to-deposit ratio rising.
Margin expected to rise 2–4 basis points in Q1 2026, with tailwinds from asset and liability repricing.
Fee income growth anticipated in wealth, treasury management, swaps, and SBA; mortgage and Novitas expected to show seasonality but positive momentum.
Expense growth targeted at 3–3.5% for 2026, with Q1 expenses expected to be flat sequentially.
Board approved a $100 million share repurchase authorization for 2026.
NIM tailwind from fixed-rate loan repricing?
M&A: Limited quality targets impact strategy?
Q4 C&I charge-offs: specific issues or trend?
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Latest summaries
- TimeTickerHeadlineOpen
- 5 FebLSAK
Net revenue up 16%, adjusted EBITDA up 47%, and first positive net income since 2022. - 5 FebSIRI
2025 beat guidance with strong cash flow and podcast growth; 2026 outlook stable and disciplined. - 5 FebMETSB
2025 saw sharp losses but strong cash flow and transformation actions set up for recovery. - 5 FebRSI
Q1 2026 saw 18% EBITDA growth, strong margins, and LEAP project progress despite lower revenues. - 5 FebGEG
Net loss of $16.5M on $3M revenue, with 4% AUM growth and $51.2M in cash. - 5 FebFOI-B
2025 profit fell despite higher sales, with margin pressure and one-time costs impacting results. - 5 FebSLQT
12% revenue growth, $69.3M net income, and new $415M credit facility amid revised guidance. - 5 FebALCO
Land sales and leasing drove improved profitability and strong cash flow amid the citrus exit. - 5 FebPSSA3
Net income up 28% and revenue up 12% in 2025, with robust growth across all business lines. - 5 FebPSMT
All proposals passed with strong support; no shareholder questions were received.
Next United Community Banks earnings date
Q1 202621 Apr, 2026
United Community Banks
Next United Community Banks earnings date
Q1 202621 Apr, 2026
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Frequently asked questions
United Community Banks Inc is a bank holding company providing a range of banking, lending, and financial services through United Community Bank. It offers consumer and commercial banking, mortgage products, and financial planning solutions, primarily in the southeastern United States. The company delivers its services through branches, ATMs, and digital platforms. United Community Banks Inc is headquartered in Blairsville, Georgia, and its shares are listed on the NASDAQ.
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