Core Viewpoint - United Community Banks, Inc. (UCB) demonstrated strong financial performance in the fourth quarter, with significant increases in net income and earnings per share, indicating robust revenue growth and effective operational management [1]. Financial Performance - Fourth quarter net income rose to $86.5 million from $75.8 million year-over-year, reflecting a growth of approximately 14.3% [1] - Earnings per share increased to $0.70, up from $0.61, marking a growth of 14.8% [1] - On an operating basis, earnings per share was $0.71, which is a 13% increase compared to the previous year [1] - Total revenue for the fourth quarter reached $278.4 million, representing an 11% increase from the same period last year [1] Future Outlook - The CEO, Lynn Harton, expressed confidence in the company's positioning for continued success in 2026, citing strong economic conditions and effective execution across all business lines [2]