United Community Banks (NYSE:UCB) reported in-line earnings for the fourth quarter on Wednesday.
The company posted quarterly earnings of 71 cents per share which met the analyst consensus estimate. The company reported quarterly sales of $278.388 million which beat the analyst consensus estimate of $273.533 million.
Chairman and CEO Lynn Harton stated, “The fourth quarter marks a great ending to a rewarding year. Our teams delivered healthy loan growth for all of 2025, leading to improvement in our earning asset mix. That improvement, combined with our focus on deposit pricing, drove a 36 basis points expansion in our net interest margin year over year, with four basis points of improvement coming in the fourth quarter. All our key performance metrics improved significantly when compared to 2024. Believing this performance will continue, we took the opportunity to repurchase one million common shares at an average price of $29.84 per share and redeem $35 million of senior debt in the fourth quarter.
United Community Banks shares fell 1.2% to trade $256.50 on Thursday.
These analysts made changes to their price targets on United Community Banks following earnings announcement.
- Keefe, Bruyette & Woods analyst Catherine Mealor maintained United Community Banks with a Market Perform and raised the price target from $34 to $36.
- Stephens & Co. analyst Russell Gunther maintained the stock with an Overweight rating and raised the price target from $37 to $39.
Considering buying UCB stock? Here’s what analysts think:

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