United Community Banks Q3 EPS rises to $0.70 from $0.38 a year earlier
United Community Banks reported third-quarter 2025 net income of $91.5 million and diluted EPS of $0.70, up from $0.38 in the year-earlier quarter, which included losses from a manufactured housing loan sale. Total revenue rose 27% year over year to $276.8 million, and operating EPS was $0.75, up 32%. Noninterest expenses rose from the second quarter, but the filing shows higher earnings and revenue for shareholders.
Key points
- Net income of $91.5 million and pre-tax, pre-provision income of $126.0 million, both up from the second quarter
- Total revenue of $276.8 million, up 27% year over year; net interest margin of 3.58%, up eight basis points from the second quarter
- Provision for credit losses fell to $7.9 million from $14.4 million a year earlier
- Quarterly common dividend increased to $0.25 per share, up 4% year over year; all preferred stock redeemed, with a book value of $88.3 million
The filing
Written by AI on Nov 8, 2026, 1:00 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 22, 2025.
Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.