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AI brief of an SEC Form 8-K · United Community Banks (UCB)

United Community Banks Q4 net income rises to $86.5 million, EPS $0.70 from $0.61

Positive Impact 3 of 5 earnings Written later

United Community Banks reported fourth-quarter 2025 net income of $86.5 million, or $0.70 per diluted share, up $0.09 from a year earlier and flat from the third quarter. For full-year 2025, net income was $328 million, or $2.62 per diluted share, compared with $2.04 in 2024, which included a one-time loss on the sale of a loan portfolio. Shareholders also got a sharper view of revenue growth and buybacks, with total revenue up 11% year over year and one million shares repurchased in the quarter.

Key points

  • Q4 2025 net income $86.5 million; diluted EPS $0.70, up $0.09 from Q4 2024 and flat from Q3 2025
  • Q4 2025 operating diluted EPS $0.71, up 13% from the year-ago quarter
  • Q4 total revenue $278.4 million, up $27.5 million or 11% from a year ago; net interest margin 3.62%
  • Full-year 2025 diluted EPS $2.62 vs $2.04 in 2024; repurchased 1.0 million shares in Q4 at an average $29.84

The filing

CompanyUnited Community Banks (UCB)
Form8-K, current report
Filed with the SECJan 14, 2026, 7:41 AM ET
Accession number0001104659-26-003548

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

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 January 14, 2026.

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.