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United Community Banks (UCB) Reports Q4 Earnings: What Key Metrics Have to Say
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United Community Banks (UCB - Free Report) reported $278.39 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 11%. EPS of $0.71 for the same period compares to $0.63 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $273.8 million, representing a surprise of +1.68%. The company has not delivered EPS surprise, with the consensus EPS estimate being $0.73.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how United Community Banks performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Net interest margin (FTE): 3.6% compared to the 3.6% average estimate based on three analysts.
Efficiency ratio - Operating: 54.2% compared to the 53.8% average estimate based on three analysts.
Total nonperforming assets: $93.5 million compared to the $100.61 million average estimate based on two analysts.
Average Balance - Total interest-earning assets (FTE): $26.19 billion versus the two-analyst average estimate of $26.27 billion.
Net charge-offs to average loans: 0.3% compared to the 0.2% average estimate based on two analysts.
Total nonaccrual loans: $91.1 million versus $98.88 million estimated by two analysts on average.
Net interest revenue: $237.93 million compared to the $234.87 million average estimate based on three analysts.
Total noninterest income: $40.46 million versus the three-analyst average estimate of $40.17 million.
Net interest revenue (FTE): $239.03 million versus $235.98 million estimated by two analysts on average.
Shares of United Community Banks have returned +0.6% over the past month versus the Zacks S&P 500 composite's +2.1% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
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United Community Banks (UCB) Reports Q4 Earnings: What Key Metrics Have to Say
United Community Banks (UCB - Free Report) reported $278.39 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 11%. EPS of $0.71 for the same period compares to $0.63 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $273.8 million, representing a surprise of +1.68%. The company has not delivered EPS surprise, with the consensus EPS estimate being $0.73.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how United Community Banks performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for United Community Banks here>>>
Shares of United Community Banks have returned +0.6% over the past month versus the Zacks S&P 500 composite's +2.1% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.