United Community Banks, Inc. (NYSE: UCB) Financial Performance Overview

Font: Financial Modeling Prep  • Jan 14, 2026

• United Community Banks, Inc. (NYSE:UCB) reported earnings per share (EPS) of $0.71, slightly below the estimated $0.73, but generated revenue of approximately $278.4 million, surpassing estimates.
• The company's net income for the fourth quarter of 2025 was $86.5 million, with a significant year-over-year growth from $252 million in 2024 to $328 million in 2025.
• UCB's financial metrics indicate a strong position with a price-to-earnings (P/E) ratio of approximately 12.38 and a low debt-to-equity ratio of 0.056, suggesting a conservative approach to leveraging.

United Community Banks, Inc. (NYSE:UCB) is a financial institution that provides a range of banking services. It operates primarily in the southeastern United States, offering personal and business banking, mortgage services, and investment solutions. UCB competes with other regional banks, striving to deliver strong financial performance and shareholder value.

On January 14, 2026, UCB reported its earnings, revealing an earnings per share (EPS) of $0.71, slightly below the estimated $0.73. Despite this, the company generated a revenue of approximately $278.4 million, surpassing the estimated $269.3 million. This revenue figure marked an 11% increase compared to the previous year, as highlighted by Seeking Alpha.

UCB's net income for the fourth quarter of 2025 was $86.5 million, with pre-tax, pre-provision income reaching $126.3 million. The company's diluted earnings per share for the quarter were $0.70, an increase of $0.09 compared to the same quarter in the previous year. For the entire year of 2025, UCB achieved a net income of $328 million, showing significant growth from $252 million in 2024.

The company's financial metrics indicate a strong position. UCB has a price-to-earnings (P/E) ratio of approximately 12.38, and a price-to-sales ratio of about 3.13. The enterprise value to operating cash flow ratio is approximately 8.70, reflecting how the company's cash flow is valued. UCB's low debt-to-equity ratio of 0.056 suggests a conservative approach to leveraging.

UCB's current ratio of approximately 47.49 indicates strong liquidity, allowing the company to cover its short-term liabilities multiple times over. This financial stability, combined with revenue growth and positive operating leverage, positions UCB well in the competitive banking sector.