UCB
United Community Banks·NYSE
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UCB fundamentals
United Community Banks (UCB) released its earnings on Jan 14, 2026: revenue was 278.39M (YoY +16.25%), beat estimates; EPS was 0.71 (YoY +12.70%), missed estimates.
Revenue / YoY
278.39M
+16.25%
EPS / YoY
0.71
+12.70%
Report date
Jan 14, 2026
UCB Earnings Call Summary for Q4,2025
- Revenue Growth: 11% YoY in Q4, driven by 4.4% loan growth and margin expansion.
- Capital Allocation: $1 billion+ buybacks in 2025, with more aggressive plans for 2026.
- NIM Expansion: 2-4 bps expected in Q1, supported by repricing and loan mix shift.
- Strategic Focus: Organic growth in C&I, HELOCs, and Navitas; cultural differentiation in competitive markets.
- Credit Quality: Stable at 34 bps charge-offs, with strong capital ratios (CET1 13.4%).
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Key Indicators
United Community Banks (UCB) key financial stats and ratios, covering profitability, financial health, and leverage.
United Community Banks (UCB)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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United Community Banks (UCB)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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United Community Banks (UCB)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does United Community Banks (UCB) generate its revenue? Explore its key revenue streams and top earning regions.
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Track United Community Banks (UCB) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What were the key takeaways from United Community Banks's earnings call?What is United Community Banks's latest dividend and current dividend yield?What factors drove the changes in United Community Banks's revenue and profit?What guidance did United Community Banks's management provide for the next earnings period?What is the revenue and EPS growth rate for United Community Banks year over year?What does United Community Banks do and what are its main business segments?What were the key takeaways from United Community Banks’s earnings call?What is the market's earnings forecast for United Community Banks next quarter?
