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UCB

United Community Banks Inc

Jan 14 • 04:00PM ET

33.39

+0.91 2.80 %

Financial • Banks - Regional • USA • NYSE

Jan 14, 12:32 PMUnited Community Banks posts Q4 2025 results with non-GAAP EPS $0.71 (+13% YoY) and revenue $278.4M (+16% YoY), missing EPS but beating revenue estimates, and FY2025 EPS of $2.62 GAAP ($2.71 operating); also announces year-end capital actions, repurchasing 1M common shares at an average $29.84 and redeeming $35M of senior debt.

Peers: WFC TFC BAC PNC RF HBAN KEY FITB FNB FHN

| Held by: IJR VTI IWM VB VBR VXF IJS SPSM IWN KRE

Scroll to Statements

Index	RUT	P/E	12.77	EPS (ttm)	2.61	Insider Own	0.74%	Shs Outstand	121.56M	Perf Week	2.64%
Market Cap	4.06B	Forward P/E	10.49	EPS next Y	3.18	Insider Trans	-0.36%	Shs Float	120.66M	Perf Month	3.09%
Enterprise Value	-	PEG	-	EPS next Q	0.69	Inst Own	84.03%	Short Float	2.34%	Perf Quarter	3.06%
Income	318.18M	P/S	2.64	EPS this Y	9.17%	Inst Trans	-0.54%	Short Ratio	4.13	Perf Half Y	7.78%
Sales	1.54B	P/B	1.11	EPS next Y	7.58%	ROA	1.17%	Short Interest	2.82M	Perf YTD	6.95%
Book/sh	30.17	P/C	-	EPS next 5Y	-	ROE	9.23%	52W High	34.57 -3.41%	Perf Year	11.52%
Cash/sh	-	P/FCF	9.57	EPS past 3/5Y	1.30% 6.49%	ROIC	8.46%	52W Low	22.93 45.62%	Perf 3Y	-1.15%
Dividend Est.	1.02 (3.07%)	EV/EBITDA	-	Sales past 3/5Y	17.74% 16.44%	Gross Margin	-	Volatility	3.14% 2.15%	Perf 5Y	7.16%
Dividend TTM	0.98 (2.94%)	EV/Sales	-	EPS Y/Y TTM	28.38%	Oper. Margin	28.45%	ATR (14)	0.78	Perf 10Y	76.85%
Dividend Ex-Date	Dec 15, 2025	Quick Ratio	-	Sales Y/Y TTM	3.61%	Profit Margin	20.66%	RSI (14)	64.16	Recom	2.14
Dividend Gr. 3/5Y	6.42% 6.69%	Current Ratio	0.03	EPS Q/Q	14.03%	SMA20	3.22%	Beta	0.85	Target Price	36.50
Payout	37.40%	Debt/Eq	0.06	Sales Q/Q	4.37%	SMA50	6.74%	Rel Volume	1.91	Prev Close	32.48
Employees	2979	LT Debt/Eq	0.03	Earnings	Jan 14 BMO	SMA200	10.50%	Avg Volume	683.42K	Price	33.39
IPO	Mar 18, 2002	Option/Short	Yes / Yes	EPS/Sales Surpr.	-0.60% 1.75%	Trades		Volume	1,306,004	Change	2.80%

Date	Action	Analyst	Rating Change	Price Target Change
Jul-24-25	Reiterated	Hovde Group	Outperform	$35 → $36
Jul-08-25	Downgrade	Raymond James	Outperform → Mkt Perform
Apr-07-25	Upgrade	Hovde Group	Market Perform → Outperform	$32 → $31
Mar-20-25	Reiterated	Hovde Group	Market Perform	$36 → $32
Dec-19-24	Upgrade	Raymond James	Mkt Perform → Outperform	$35
Oct-19-23	Downgrade	Piper Sandler	Overweight → Neutral	$31 → $27
Jul-20-23	Downgrade	Keefe Bruyette	Outperform → Mkt Perform	$33 → $30
Apr-04-23	Initiated	Stephens	Overweight	$34
Jan-19-23	Downgrade	Janney	Buy → Neutral
Apr-06-22	Downgrade	Raymond James	Outperform → Mkt Perform
Oct-22-20	Upgrade	Raymond James	Mkt Perform → Outperform	$23
Oct-19-20	Resumed	Stephens	Overweight
Aug-28-20	Upgrade	Keefe Bruyette	Mkt Perform → Outperform	$23
Mar-10-20	Upgrade	DA Davidson	Neutral → Buy	$32.50 → $23.50
Dec-16-19	Downgrade	Hovde Group	Outperform → Market Perform	$33
Aug-21-19	Initiated	DA Davidson	Neutral
Feb-25-19	Downgrade	Keefe Bruyette	Outperform → Mkt Perform	$32
Jan-07-19	Downgrade	Raymond James	Outperform → Mkt Perform
Jun-26-18	Downgrade	SunTrust	Buy → Hold
Jan-25-18	Upgrade	Keefe Bruyette	Mkt Perform → Outperform

Show Previous Ratings

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Dec-22-25 04:30PM	United Community Banks, Inc. Announces Date for Fourth Quarter 2025 Earnings Release and Conference Call (GlobeNewswire)
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Oct-18-25 12:31AM	1 Bank Stock Worth Your Attention and 2 We Question (StockStory)
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Aug-15-25 07:30AM	United Community Banks, Inc. Announces Redemption of All Oustanding Shares of 6.875% Series I Non-Cumulative Perpetual Preferred Stock (GlobeNewswire)
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Jul-23-25 09:30AM	United Community Banks (UCB) Reports Q2 Earnings: What Key Metrics Have to Say (Zacks)
08:40AM	United Community Banks (UCB) Tops Q2 Earnings Estimates (Zacks)
07:38AM	United Community Banks: Q2 Earnings Snapshot (Associated Press Finance)
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07:30AM	United Community Banks, Inc. Reports Second Quarter Earnings (GlobeNewswire)
Jul-21-25 11:01PM	What To Expect From United Community Banks's (UCB) Q2 Earnings (StockStory)
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Jul-09-25 12:00PM	United Community Banks (UCB) is a Great Momentum Stock: Should You Buy? (Zacks)
11:45AM	Are You Looking for a High-Growth Dividend Stock? (Zacks)
Jun-27-25 04:30PM	United Community Banks, Inc. Announces Date for Second Quarter 2025 Earnings Release and Conference Call (GlobeNewswire)
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11:45AM	Are You Looking for a High-Growth Dividend Stock? (Zacks)
May-15-25 04:15PM	United Community Banks, Inc. Announces Quarterly Cash Dividend on Common and Preferred Stock (GlobeNewswire)
May-14-25 11:45AM	Why United Community Banks (UCB) is a Great Dividend Stock Right Now (Zacks)
May-01-25 07:30AM	United Community Banks, Inc. Announces Completion of Merger With ANB Holdings, Inc., The Parent of American National Bank (GlobeNewswire)
Apr-28-25 11:45AM	Why United Community Banks (UCB) is a Top Dividend Stock for Your Portfolio (Zacks)
Apr-22-25 02:14PM	United Community Banks, Inc. (UCB) Q1 2025 Earnings Call Transcript (Seeking Alpha) +6.88%
09:30AM	United Community Banks (UCB) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates (Zacks)
08:40AM	United Community Banks (UCB) Surpasses Q1 Earnings Estimates (Zacks)
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Apr-15-25 10:00AM	United Community Banks (UCB) Earnings Expected to Grow: Should You Buy? (Zacks)
Apr-09-25 04:30PM	United Community Banks, Inc. Announces Date for First Quarter 2025 Earnings Release and Conference Call (GlobeNewswire) +7.50% -7.13%
Apr-02-25 11:45AM	United Community Banks (UCB) is a Top Dividend Stock Right Now: Should You Buy? (Zacks)
Mar-28-25 04:30PM	United Community Banks, Inc. Announces Date for First Quarter 2025 Earnings Release and Conference Call (GlobeNewswire)
Mar-27-25 09:45AM	United Community earns 11th J.D. Power Award in the last 16 years, Ranking #1 for Retail Banking Customer Satisfaction in the Southeast, plus #1 in Trust and People (PR Newswire)
Mar-26-25 09:10AM	3 Top-Ranked Dividend Stocks: A Smarter Way to Boost Your Retirement Income (Zacks)
Mar-20-25 12:00PM	United Community Banks (UCB) Upgraded to Strong Buy: What Does It Mean for the Stock? (Zacks)
07:16AM	Best Income Stocks to Buy for March 20th (Zacks)
Feb-26-25 09:12AM	United Community earns Coalition Greenwich Best Bank awards for Middle Market and Small Business Banking (PR Newswire)
Feb-21-25 04:15PM	United Community Banks, Inc. Announces Quarterly Cash Dividend on Common Stock (GlobeNewswire)
Feb-18-25 04:15PM	United Community Banks, Inc. Announces Quarterly Cash Dividend on Preferred Stock (GlobeNewswire)
Feb-06-25 12:00PM	What Makes United Community Banks (UCB) a New Strong Buy Stock (Zacks)
Jan-22-25 07:30AM	United Community Banks, Inc. Reports Fourth Quarter and Full Year Results (GlobeNewswire)
Jan-15-25 10:00AM	United Community Banks (UCB) Earnings Expected to Grow: What to Know Ahead of Next Week's Release (Zacks)
Jan-02-25 04:30PM	United Community Banks, Inc. Announces Date for Fourth Quarter 2024 Earnings Release and Conference Call (GlobeNewswire)
Dec-03-24 07:45AM	United Community Banks, Inc. and ANB Holdings, Inc., the Parent of American National Bank, Announce Merger Agreement (GlobeNewswire)
Nov-14-24 04:45PM	United Community Banks, Inc. Announces Quarterly Cash Dividend on Common and Preferred Stock (GlobeNewswire)
Nov-13-24 11:34AM	United Community earns 8th consecutive recognition as one of the Best Banks to Work For (PR Newswire)
Oct-24-24 08:17AM	United Community Banks Reports Strong Q3 2024 Results (TipRanks)

United Community Banks, Inc. is a bank holding company, which engages in the provision of diversified financial services. The firm also offers checking, savings, mortgages, borrowing, digital banking, credit cards, and investing services. The company was founded in 1950 and is headquartered in Greenville, SC.

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
BRADSHAW RICHARD	EVP, Chief Banking Officer	Oct 27 '25	Sale	30.23	1,654	50,000	75,226	Oct 28 04:06 PM
BRADSHAW RICHARD	EVP, Chief Banking Officer	Jul 28 '25	Sale	30.94	1,616	50,000	78,395	Jul 29 07:39 AM
BRADSHAW RICHARD	EVP, Chief Banking Officer	May 02 '25	Sale	28.00	1,750	49,000	79,925	May 05 04:06 PM
BRADSHAW RICHARD	EVP, Chief Banking Officer	May 05 '25	Sale	28.16	35	986	79,890	May 05 04:06 PM
DANIELS KENNETH L	Director	Apr 28 '25	Buy	27.23	500	13,617	2,500	Apr 28 04:03 PM
Davis Sally Pope	Director	Mar 11 '25	Buy	28.19	1,800	50,742	3,264	Mar 13 04:02 PM
HARTON H LYNN	President & CEO	Feb 19 '25	Sale	33.29	3,321	110,563	109,123	Feb 19 04:03 PM
HARTON H LYNN	President & CEO	Feb 10 '25	Sale	33.84	31,679	1,072,170	112,444	Feb 11 04:05 PM
HARTON H LYNN	Officer	Feb 07 '25	Proposed Sale	34.11	35,000	1,193,850		Feb 07 10:38 AM
BRADSHAW RICHARD	EVP, Chief Banking Officer	Jan 27 '25	Sale	32.72	1,527	49,970	67,876	Jan 27 04:02 PM

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UCB

United Community Banks Inc

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