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United Community Banks UCB Q4 2025 Annual earnings

Reported January 14, 2026 · Before market open

Revenue$278.4MBeat by $4.8M
EPS$0.71Miss by $0.02
Revenue estimate$273.6M
EPS estimate$0.73

Next report

Oct 21, 2026 (in 3 months)
Revenue estimate$277.2M
EPS estimate$0.75

Financials

Q4 2025

Income statement

See full
Revenue$278.4M+11.0%
Net income$86.5M+14.1%
EPS (diluted)$0.71+16.4%

Balance sheet

See full
Cash & equivalents$395.8M-23.9%
Total debt$243.8M-50.7%
Total equity$3.6B+6.0%
Total assets$28.0B+1.0%

Cash flow

See full
Operating cash flow$65.5M-55.8%
CapEx$5.8M+4.0%
Free cash flow$59.7M-58.1%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$3.8B-1.5%
Enterprise value$3.64B-4.8%
P/E11.6×-3.7×
P/S3.6×-0.5×

Profitability

See full
Net margin30.9%+4.4pp
FCF margin33.5%+1.5pp

Returns & leverage

See full
Return on equity9.3%+1.7pp
Debt / equity0.1×-0.1×

Versus estimates

Revenue

Q2 2026$279.3MMiss by $854.7KQ1 2026$276.5MBeat by $2.6M
Q4 2025$278.4MBeat by $4.8M
Q3 2025$276.8MBeat by $5.9MQ2 2025$254.3MMiss by $16.8MQ4 2024$245.0MMiss by $596.0K

Diluted EPS

Q2 2026$0.71Miss by $0.10Q1 2026$0.70Miss by $0.01
Q4 2025$0.71Miss by $0.02
Q3 2025$0.75Beat by $0.05Q2 2025$0.66Beat by $0.04Q4 2024$0.63Beat by $0.08

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Questions, answered.

When did United Community Banks report Q4 2025 earnings?
United Community Banks (UCB) reported Q4 2025 earnings on January 14, 2026 before market open.
What were United Community Banks's Q4 2025 revenue and EPS?
United Community Banks reported revenue of $278.4M and eps of $0.71 for Q4 2025.
Did United Community Banks beat estimates in Q4 2025?
Revenue beat the consensus estimate of $273.6M by $4.8M. EPS missed the consensus estimate of $0.73 by $0.02.
How did United Community Banks's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 13.6% from $245.0M a year earlier and eps grew 12.7% from $0.63.
Where can I find United Community Banks's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001104659-26-003548) and the 10-K periodic report (0000857855-26-000008) directly on SEC EDGAR. The filing index links above go to sec.gov.