Analysts on Wall Street project that United Community Banks (UCB) will announce quarterly earnings of $0.73 per share in its forthcoming report, representing an increase of 15.9% year over year. Revenues are projected to reach $273.8 million, increasing 9.1% from the same quarter last year.The consensus EPS estimate for the quarter has been revised 0.5% higher over the last 30 days to the current level. This reflects how the analysts covering the stock have collectively reevaluated their initial estimates d ...

United Community Banks, Inc. (NYSE:UCB) will release earnings results for the fourth quarter, before the opening bell on Wednesday, Jan. 14, 2025.Analysts expect the Greenville, South Carolina-based company to report quarterly earnings at 71 cents per share, up from 63 cents per share in the year-ago period. The consensus estimate for United Community Banks' quarterly revenue is $273.6 million, up from $251.93 million a year earlier, according to data from Benzinga Pro.On Dec. 8, United Community Banks auth ...

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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