Wall Street expects a year-over-year increase in earnings on higher revenues when United Community Banks (UCB) reports results for the quarter ended December 2025. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates.The earnings report, which is expected to be released on January 14, might help the stock move higher if these key numbers are better t ...

Investors might want to bet on United Community Banks (UCB) , as it has been recently upgraded to a Zacks Rank #2 (Buy). This rating change essentially reflects an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.A company's changing earnings picture is at the core of the Zacks rating. The system tracks the Zacks Consensus Estimate -- the consensus measure of EPS estimates from the sell-side analysts covering the stock -- for the current and following years.Since ...

GREENVILLE, S.C., Dec. 22, 2025 (GLOBE NEWSWIRE) -- United Community Banks, Inc. (NYSE: UCB) announces it will release its fourth quarter 2025 financial results on Wednesday, January 14, 2026, before the stock market opens. The company also will hold a conference call at 9:00 a.m. EST on Wednesday, January 14, 2026, to discuss its financial results, business highlights, and outlook. Participants can pre-register for the conference call by navigating to https://dpregister.com/sreg/10205112/1008d91b050. Those ...

GREENVILLE, S.C., Dec. 08, 2025 (GLOBE NEWSWIRE) -- United Community Banks, Inc. (NYSE: UCB) (the “Company”) today announced that the Company’s Board of Directors approved a common stock repurchase program, authorizing the repurchase of up to $100.0 million of its outstanding common stock on the open market, in privately negotiated transactions, or in any other manner that complies with the provisions of the Securities Exchange Act of 1934, as amended (the “Stock Repurchase Program”). The Company may make r ...

Core Points - United Community Banks, Inc. announced a quarterly cash dividend of $0.25 per share, payable on January 5, 2026, to shareholders of record as of December 15, 2025 [1] Company Overview - United Community Banks, Inc. is a financial holding company for United Community, ranked among the top 100 U.S. financial institutions, focusing on community building and enhancing customer financial health [2] - As of September 30, 2025, the company had $28.1 billion in assets and operated 199 offices across six states: Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee [2] - The company manages a nationally recognized SBA lending franchise and a national equipment finance subsidiary, expanding its business reach [2] - United has received multiple accolades, including being an 11-time winner of J.D. Power's award for highest customer satisfaction among consumer banks in the Southeast and being named the most trusted bank in the region in 2025 [2] - The company has been recognized for eight consecutive years by American Banker as one of the "Best Banks to Work For" and has earned five 2025 Greenwich Best Brand awards in commercial banking [2] - Forbes has consistently listed United among the World's Best and America's Best Banks [2]

Core Insights - United Community has improved its ranking from No. 82 to No. 50 on American Banker's Best Banks to Work For List, marking its ninth consecutive year of recognition [1][3] - The ranking is based on an anonymous employee survey and a review of workplace benefits, with 90 banks making the list this year [2][3] - United Community is one of only four banks with over $25 billion in assets recognized, highlighting its ability to maintain a strong workplace culture while growing [3] Company Overview - United Community Banks, Inc. has $28.1 billion in assets as of September 30, 2025, and operates 199 offices across six states [5] - The company offers a full range of banking, mortgage, and wealth management services and has been recognized for high customer satisfaction [5][6] - United Community has received multiple awards, including the J.D. Power award for customer satisfaction and Coalition Greenwich Best Bank awards [5][9] Recognition Process - The Best Banks to Work For ranking involves a two-step evaluation process: workplace policies and employee surveys, with the latter accounting for approximately 75% of the total evaluation [3][4] - To qualify, banks must have at least 50 employees and been in business for a minimum of one year [4]

Financial Performance - Net income for the three months ended September 30, 2025, was $91,494 thousand, representing a significant increase of 93.4% compared to $47,347 thousand in the prior year[14]. - Net income for the nine months ended September 30, 2025, was $241,640,000, an increase from $176,593,000 in the same period of 2024, representing a growth of 36.8%[19]. - The company reported a basic net income per common share of $0.71 for the three months ended September 30, 2025, compared to $0.38 in the same period of 2024, marking an increase of 86.8%[14]. - For Q3 2025, net income was $91.5 million, with diluted earnings per share of $0.70, compared to $47.3 million and $0.38 in Q3 2024, representing an increase of 93% in net income[151]. - For the nine months ended September 30, 2025, net income was $242 million, up from $177 million in the same period of 2024, reflecting a year-over-year increase of 37%[151]. Revenue and Income Sources - Net interest revenue for the three months ended September 30, 2025, was $233,629 thousand, up 11.7% from $209,186 thousand in the same period of 2024[14]. - Noninterest income for the nine months ended September 30, 2025, totaled $113,583 thousand, a 34.9% increase from $84,234 thousand in the same period of 2024[14]. - Noninterest income surged by 435% year-over-year to $43,219 thousand in Q3 2025, compared to $8,091 thousand in Q3 2024[161]. - Total revenue rose by 27% year-over-year to $276,848 thousand in Q3 2025, up from $217,277 thousand in Q3 2024[161]. Assets and Liabilities - Total assets increased to $28,143,473 thousand as of September 30, 2025, compared to $27,720,258 thousand at December 31, 2024, reflecting a growth of 1.5%[12]. - Total liabilities increased to $24,546,622 thousand as of September 30, 2025, from $24,288,131 thousand at December 31, 2024, reflecting a growth of 1.1%[12]. - The company’s retained earnings rose to $858,395 thousand as of September 30, 2025, compared to $714,138 thousand at December 31, 2024, an increase of 20.2%[12]. - Total deposits rose to $24,020,618 thousand as of September 30, 2025, an increase of 2.4% from $23,460,975 thousand at December 31, 2024[12]. Credit Quality and Losses - The provision for credit losses decreased to $7,907 thousand for the three months ended September 30, 2025, down from $14,428 thousand in the same period of 2024, indicating improved credit quality[14]. - The company reported a provision for credit losses of $35,144,000 for the nine months ended September 30, 2025, compared to $39,562,000 in 2024, showing a decrease of 11.4%[19]. - The total nonaccrual loans increased to $96,443 thousand as of September 30, 2025, compared to $113,579 thousand at December 31, 2024[62]. - Net charge-offs for the three months ended September 30, 2025, totaled $7.68 million, with a net charge-off to average loans ratio of 0.16%[193]. Acquisition and Market Expansion - The acquisition of ANB on May 1, 2025, added $447 million in assets and $381 million in liabilities, contributing to the company's growth[150]. - The acquisition of ANB is expected to facilitate market expansion for the company in Oakland Park, Florida, enhancing its operational footprint[26]. - The acquisition of ANB resulted in actual revenue of $4.365 million and net income of $2.208 million for the three months ended September 30, 2025, with pro forma revenue of $275.888 million and net income of $93.064 million if the acquisition had occurred on January 1, 2024[32]. Capital and Equity - As of September 30, 2025, the CET1 capital ratio was 13.44%, well above the minimum requirement of 4.5% for well-capitalized institutions[138]. - Total capital as of September 30, 2025, was $3,073,175,000, compared to $2,982,273,000 on December 31, 2024, representing an increase of 3.0%[138]. - The company redeemed all outstanding shares of its 6.875% Series I non-cumulative perpetual preferred stock on September 15, 2025, for a cash payment of $91.5 million[140]. Loan Portfolio and Performance - The total loan portfolio increased to $19.175 billion as of September 30, 2025, up from $18.176 billion at December 31, 2024, representing a growth of approximately 5.5%[56]. - The commercial loan segment constituted 75% of the total loan portfolio, with owner-occupied CRE at $3.68 billion (19%) and income-producing CRE at $4.53 billion (24%)[187]. - The total commercial loan portfolio reached $14.347 billion as of September 30, 2025, compared to $13.506 billion at December 31, 2024, reflecting an increase of approximately 6.2%[56]. - Mortgage loans originated totaled $282.66 million for the three months ended September 30, 2025, reflecting an 18% increase compared to the same period in 2024[170]. Noninterest Expenses - Noninterest expense for Q3 2025 was $151 million, reflecting a 5% increase compared to Q3 2024, primarily due to higher salaries and employee benefits[157]. - Total noninterest expense for the three months ended September 30, 2025, was $150.87 million, an increase of $7.80 million or 5% compared to the same period in 2024[179]. - Salaries and employee benefits increased by $7.13 million, totaling $90.67 million for the three months ended September 30, 2025, primarily due to merit increases and performance-related compensation[179]. Market and Economic Conditions - The federal funds rate cuts of 125 basis points beginning in September 2024 contributed to the improvement in net interest spread and margin[164]. - The interest sensitivity position indicates a 3.32% increase in net interest revenue under a 200 basis point shock scenario as of September 30, 2025[209].

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Financial Data and Key Metrics Changes - Revenue increased by over $16 million compared to the second quarter, driven by an 8 basis point improvement in margin and 5.4% annualized loan growth [4] - Provision for credit losses declined by approximately $4 million compared to the last quarter, supported by strong credit results and a release of $2.6 million from the Hurricane Helene Special Reserve [4] - Earnings per share on an operating basis reached $0.75, a 32% year-over-year improvement, with a return on assets of 1.33% and a return on tangible common equity of 13.6% [4] Business Line Data and Key Metrics Changes - All estates delivered positive loan growth, with significant contributions from C&I, Equipment Finance, and HELOC categories [5][8] - Deposits grew by $137 million, or 2.6% annualized, excluding seasonal public outflows, with DDA comprising a good portion of the growth [7] - Spread income grew by 14% annualized in the quarter, with net interest margin increasing by 8 basis points to 3.58% [10] Market Data and Key Metrics Changes - The loan portfolio grew at a 5.4% annualized pace, with a 6.2% growth rate excluding senior care runoff [8] - The cost of deposits was pushed down to 1.97%, achieving a 37% total deposit beta so far [7] - The CET1 ratio remained flat at 13.4%, indicating a strong capital position [9] Company Strategy and Development Direction - The company plans to focus on organic growth, increasing dividends, and exploring M&A opportunities, with buybacks being a lower priority [28] - Management emphasized a cautious and selective lending strategy, particularly towards non-depository financial institutions, maintaining limited exposure [6] - The company aims to improve operating leverage and profitability in 2026, driven by margin improvements and loan yield increases [54] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism for the remainder of the year, supported by strong loan growth and positive credit quality metrics [13] - The company noted that recent credit environment challenges appear to be isolated events, with a strong balance sheet positioned to handle economic volatility [5][6] - Management anticipates continued strong performance in loan pipelines for the fourth quarter, with expectations for similar or slightly better loan growth [19] Other Important Information - The tangible book value reached $21.59, reflecting a 10% year-over-year growth [5] - Non-interest income was $43.2 million, up $8.5 million from the previous quarter, with strong increases across most fee categories [10][11] - The allowance for credit losses slightly decreased to 1.19%, with a loan loss provision of $7.9 million for the quarter [12] Q&A Session Summary Question: Loan growth trends and pipelines - Management noted strong loan growth across all geographies, with Florida leading, and expects similar activity in Q4 [19] Question: Deposit beta guidance - Management indicated confidence in reaching a 40% deposit beta due to successful rate cuts and CD growth despite lower rates [22] Question: Capital deployment priorities - The company prioritizes organic growth, dividends, and M&A opportunities, with buybacks being considered opportunistically [28] Question: Service charge income increase - Management attributed the increase in service charge income to better volume rather than any structural changes [29] Question: Expense increases related to hiring - Management expects a flat expense run rate for the fourth quarter, with a medium to long-term growth rate of 3%-4% [33] Question: Credit quality and Navitas book trends - Management reported normal fluctuations in non-performing assets and stable performance in the Navitas book, with expected losses around 1% in a normal environment [52] Question: Core fee income expectations - Management provided insights into core fee income, indicating variability due to certain non-recurring items but a solid underlying run rate [59]

Financial Data and Key Metrics Changes - Revenue increased by over $16 million compared to the second quarter, driven by an 8 basis point improvement in margin and 5.4% annualized loan growth [4] - Provision for credit losses declined by approximately $4 million compared to the last quarter, supported by strong credit results and a release of $2.6 million from the Hurricane Helene Special Reserve [4] - Earnings per share on an operating basis reached $0.75, a 32% year-over-year improvement, with a return on assets of 1.33% and a return on tangible common equity of 13.6% [4] Business Line Data and Key Metrics Changes - All estates delivered positive loan growth, with significant contributions from C&I, Equipment Finance, and HELAC categories [5][8] - Deposits grew by $137 million, or 2.6% annualized, excluding seasonal public outflows, with DDA comprising a good portion of the growth [7] - Spread income grew by 14% annualized in the quarter, with net interest margin increasing by 8 basis points to 3.58% [10] Market Data and Key Metrics Changes - The loan-to-deposit ratio increased to 80%, while the CET1 ratio remained flat at 13.4% [8][9] - The cost of deposits was pushed down to 1.97%, achieving a total deposit beta of 37% so far [7] - Non-interest income was $43.2 million, up $8.5 million from the previous quarter, with strong increases across most fee categories [10] Company Strategy and Development Direction - The company aims to be cautious and selective in lending to non-depository financial institutions, maintaining limited exposure [6] - Capital priorities include organic growth, dividend increases, and potential M&A opportunities, with buybacks being considered opportunistically [28] - The company is focusing on improving employee engagement and culture, ranking in the 92nd percentile for employee engagement compared to over 2,000 companies [13] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism for the remainder of the year, supported by strong loan growth and credit quality metrics [13] - The company anticipates continued operating leverage and profitability improvement in 2026, driven by margin expansion [55] - Management noted an increase in interest from sellers in the M&A space compared to previous quarters, indicating a more favorable environment for potential acquisitions [36] Other Important Information - The company redeemed $88 million of preferred stock, which lowered Tier 1 total capital and leverage ratio towards peer levels [9] - The allowance for credit losses moved down slightly to 1.19%, with a loan loss provision of $7.9 million for the quarter [12] Q&A Session Summary Question: Loan growth trends and pipelines - Management indicated strong loan growth, particularly in Florida, South Carolina, and North Carolina, with expectations for similar performance in Q4 [19][21] Question: Deposit beta guidance - Management expressed confidence in achieving a total deposit beta in the 40% range due to successful rate cuts and CD growth [22][23] Question: Capital deployment priorities - Capital priorities include organic growth, dividend increases, M&A opportunities, and buybacks being considered opportunistically [28] Question: Fee income and service charge income - Management noted that the increase in service charge income was due to better volume, with no unusual changes in fee structure [29] Question: Expenses and hiring efforts - Management expects a flat expense run rate for Q4, with a medium to long-term growth rate of 3% to 4% [33] Question: Credit quality and Navitas book - Management reported stable performance in the Navitas book, with expectations of losses normalizing around 1% in a typical environment [53] Question: Future profitability and operating leverage - Management anticipates continued operating leverage and profitability improvement in 2026, driven by margin expansion [55]