United Community Banks

UCB

Market cap $4.08B

UCB made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on Jan.16, 2026.

REPX, UCB, CRUS, IPGP and SWRAY have been added to the Zacks Rank #1 (Strong Buy) List on Jan.16, 2026.

REPX and UCB made it to the Zacks Rank #1 (Strong Buy) income stocks list on Jan.16, 2026.

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does United Community Banks (UCB) have what it takes?

United Community Banks (NYSE: UCB) reported in-line earnings for the fourth quarter on Wednesday.

United Community Banks, Inc. delivered solid Q4 2025 results, with revenue exceeding expectations and continued balance sheet and income statement growth. UCB benefits from a strong presence in high-growth Southeast markets, supporting long-term deposit and loan expansion amid favorable demographic trends. Despite improving fundamentals and asset quality, UCB's valuation is not compelling enough for a bullish rating; I maintain a Hold stance.

United Community Banks, Inc. delivered a solid Q4, modestly beating revenue expectations and demonstrating robust loan growth despite a slight dip in deposits. UCB's net interest margin expanded to 3.62% year-over-year, supported by a favorable loan mix and lower funding costs, while asset quality trends remain mixed but not alarming. The bank's efficiency ratio remains strong at 54.4%, and return metrics are stable, with return on average tangible equity at 13.31%.

United Community Banks, Inc. (UCB) Q4 2025 Earnings Call Transcript

While the top- and bottom-line numbers for United Community Banks (UCB) give a sense of how the business performed in the quarter ended December 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

GREENVILLE, S.C., Jan. 14, 2026 (GLOBE NEWSWIRE) -- United Community Banks, Inc. (NYSE: UCB) (United) today announced net income for the fourth quarter of 2025 of $86.5 million and pre-tax, pre-provision income of $126.3 million.