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United Community Banks ( (UCB) ) has issued an update.
On January 14, 2026, United Community Banks reported fourth-quarter 2025 net income of $86.5 million and earnings per share of $0.70, up $0.09 from a year earlier, driven by an 11% rise in revenue to $278.4 million and a 36-basis-point expansion in net interest margin to 3.62% as loan growth improved its earning asset mix and disciplined deposit pricing reduced funding costs. For full-year 2025, net income rose to $328 million and diluted EPS increased 28% to $2.62, with operating EPS up 18% to $2.71, underpinned by 12% revenue growth to $1.06 billion, higher returns on assets and equity, and improved efficiency, even as provisions and net charge-offs increased modestly; management underscored the bank’s stronger profitability, nearly 10% tangible common equity ratio, continued capital returns through share repurchases and a higher dividend, and its confidence in further performance gains heading into 2026, despite a slight quarterly decline in customer deposits and elevated credit costs.
The most recent analyst rating on (UCB) stock is a Buy with a $38.00 price target. To see the full list of analyst forecasts on United Community Banks stock, see the UCB Stock Forecast page.
Spark’s Take on UCB Stock
According to Spark, TipRanks’ AI Analyst, UCB is a Outperform.
United Community Banks has a robust financial performance with strong profitability and a stable balance sheet. Technical indicators show bullish momentum, and the recent earnings call reflects positive sentiment with significant revenue growth. Valuation is reasonable, though not particularly compelling. Overall, the stock is well-positioned with a positive outlook.
To see Spark’s full report on UCB stock, click here.
More about United Community Banks
United Community Banks, Inc., headquartered in Greenville, South Carolina, operates as a regional bank holding company providing retail and commercial banking services, including loans, deposits and mortgage products, with a focus on markets in the Southeastern United States. The company, listed on the NYSE under the ticker UCB, targets diversified lending and deposit relationships while maintaining strong capital and asset quality metrics to support growth and shareholder returns.
Average Trading Volume: 684,301
Technical Sentiment Signal: Strong Buy
Current Market Cap: $3.97B
See more data about UCB stock on TipRanks’ Stock Analysis page.