United Community Banks (UCB) delivered a solid finish to its fiscal year, reporting fourth-quarter results Wednesday that met earnings expectations and topped revenue forecasts.

The regional bank posted earnings of 71 cents per share, matching analyst consensus estimates. Revenue came in stronger than expected at $278.388 million, beating the $273.533 million consensus forecast.

Chairman and CEO Lynn Harton seemed pleased with the year-end performance. "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."

Despite the positive results, United Community Banks shares slipped 1.2% to $256.50 in Thursday trading.

Analyst Response

The earnings report prompted two analysts to revise their outlooks on the stock:

• Catherine Mealor at Keefe, Bruyette & Woods maintained a Market Perform rating while raising her price target from $34 to $36.
• Russell Gunther at Stephens & Co. kept his Overweight rating and bumped his price target from $37 to $39.

The price target increases reflect analyst confidence in the bank's ability to sustain its momentum following a year marked by margin expansion and solid operational performance.