Core Insights - United Community Banks (UCB) reported revenue of $278.39 million for Q4 2025, marking an 11% year-over-year increase and exceeding the Zacks Consensus Estimate of $273.8 million by 1.68% [1] - The earnings per share (EPS) for the same quarter was $0.71, up from $0.63 a year ago, although it fell short of the consensus estimate of $0.73 [1] Financial Performance Metrics - Net interest margin (FTE) stood at 3.6%, aligning with the average estimate from three analysts [4] - The efficiency ratio (Operating) was reported at 54.2%, slightly above the average estimate of 53.8% from three analysts [4] - Total nonperforming assets were $93.5 million, better than the average estimate of $100.61 million from two analysts [4] - Average balance of total interest-earning assets (FTE) was $26.19 billion, slightly below the average estimate of $26.27 billion from two analysts [4] - Net charge-offs to average loans were 0.3%, higher than the average estimate of 0.2% from two analysts [4] - Total nonaccrual loans were reported at $91.1 million, compared to the average estimate of $98.88 million from two analysts [4] - Net interest revenue was $237.93 million, exceeding the average estimate of $234.87 million from three analysts [4] - Total noninterest income reached $40.46 million, slightly above the average estimate of $40.17 million from three analysts [4] - Net interest revenue (FTE) was $239.03 million, surpassing the average estimate of $235.98 million from two analysts [4] Stock Performance - Shares of United Community Banks have returned +0.6% over the past month, while the Zacks S&P 500 composite increased by +2.1% [3] - The stock currently holds a Zacks Rank 2 (Buy), suggesting potential outperformance against the broader market in the near term [3]
United Community Banks (UCB) Reports Q4 Earnings: What Key Metrics Have to Say