United Community Banks(UCB.US)

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United Community Banks
UCB.US
United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts; and lending services, such as real estate, commercial, consumer, secured and unsecured, and mortgage loans to individuals, small and mid-sized businesses, and non-profit organizations. It also originates loans partially guaranteed by the United States Small Business Administration and the United States Department of Agriculture loan programs.
666.41 B
UCB.USMarket value -Rank by Market Cap -/-

Financial Score

20/01/2026 Update
C
Regional BanksIndustry
Industry Ranking107/310
Industry medianC
Industry averageC
Score Analysis
Peer Comparison
  • Criteria
    Rating
  • Profit ScoreC
    • ROE9.11%B
    • Profit Margin32.35%A
    • Gross Margin0.00%E
  • Growth ScoreB
    • Revenue YoY12.56%B
    • Net Profit YoY30.07%B
    • Total Assets YoY1.02%C
    • Net Assets YoY6.02%B
  • Cash ScoreC
    • Cash Flow Margin318.79%C
    • OCF YoY12.56%B
  • Operating ScoreE
    • Turnover0E
  • Debt ScoreA
    • Gearing Ratio0.00%A

Valuation analysis

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Institutional View & Shareholder

Analyst Ratings

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    News
    View More

    United Community Banks Names Sharon Thompson Chief Commercial Banking Officer

    United Community Banks Inc. has appointed Sharon Thompson as the chief commercial banking officer, a newly created role. Thompson, who was previously the Florida state president, will oversee various commercial and specialty banking lines, including asset-based lending, middle market, franchise, commercial real estate, renewable energy, treasury services, and public finance.

    Reuters·
    US
    UCB
    -1.06%
    Reuters·
    US
    UCB
    -1.06%

    United Community Banks (NYSE: UCB) reports Q4 earnings of 71 cents/share, beating sales estimate with $278.388 million revenue. CEO lauds healthy loan growth for 2025.

    United Community Banks (NYSE: UCB) announced fourth-quarter earnings on Wednesday that aligned with expectations. Earnings stood at 71 cents per share, meeting analyst estimates. The company reported sales of $278.388 million for the quarter, exceeding analyst projections of $273.533 million. Chairman and CEO Lynn Harton expressed satisfaction with the results, highlighting healthy loan growth throughout 2025.

    Unusual Whales·
    US
    UCB
    -1.06%
    Unusual Whales·
    US
    UCB
    -1.06%

    United Community Banks Earnings Call Highlights Record Growth

    United Community Banks (UCB) reported record revenue growth in its Q4 earnings call, with a year-over-year revenue increase of 11% and full-year revenue surpassing $1 billion for the first time. Operating earnings per share rose 13% to $0.71 in Q4, while the full-year EPS climbed 18%. The bank's net interest margin improved to 3.62%, and loan growth remained steady at 4.4%. UCB also highlighted a strong capital position, repurchasing shares and raising dividends, while managing deposit costs effectively. Overall, the bank expressed confidence in its earnings power and asset quality heading into 2026.

    Tip Ranks·
    US
    UCB
    -1.06%
    Tip Ranks·
    US
    UCB
    -1.06%

    United Community Banks Non-GAAP EPS of $0.71 in-line, revenue of $278.4M beats by $4.8M

    United Community Banks reported a Q4 Non-GAAP EPS of $0.71, meeting expectations, while revenue reached $278.4M, exceeding estimates by $4.8M. The bank's return on assets improved to 1.21%, and return on common equity was 9.5%. Tangible common equity to tangible assets rose to 9.92%. The provision for credit losses increased to $13.7 million, with net charge-offs at $16.4 million, or 0.34% of average loans, annualized.

    businessinsider·
    US
    UCB
    -1.06%
    businessinsider·
    US
    UCB
    -1.06%

    United Community Banks posts Q4 adjusted EPS in line with estimates

    United Community Banks reported Q4 adjusted EPS of $0.71, meeting analyst expectations, with revenue rising 11% year-over-year to $278.4 million. The bank repurchased 1 million shares and redeemed $35 million in senior debt. The net interest margin improved by 36 basis points, and loan production increased by $209 million. The average analyst rating is "buy," with a 12-month price target of $35.00, reflecting a potential upside of 7.8% from the recent closing price of $32.48.

    Reuters·
    US
    UCB
    -1.06%
    Reuters·
    US
    UCB
    -1.06%
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