United Community Banks posts Q4 adjusted EPS in line with estimates

United Community Banks

14/01/2026 12:40

Overview

U.S. bank's Q4 revenue rose 11% yr/yr, beating analyst expectations

Adjusted EPS for Q4 met analyst expectations

Company repurchased 1 mln shares and redeemed $35 mln of senior debt

Outlook

United Community Banks expects strong economic conditions to continue in its markets

Company anticipates continued effective execution across all business lines

Result Drivers

NET INTEREST MARGIN - Improved asset mix and deposit pricing led to a 36 basis point increase in net interest margin year-over-year

LOAN GROWTH - Strong loan production contributed to a $209 mln increase in loans from the third quarter

CREDIT LOSS PROVISION - Provision for credit losses increased to $13.7 mln, up from $11.4 mln a year ago and $7.9 mln in the third quarter

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Revenue
Beat
$278.40 mln
$273.56 mln (6 Analysts)
Q4 Adjusted EPS
Meet
$0.71
$0.71 (7 Analysts)
Q4 EPS
$0.70
Q4 Net Income
$86.46 mln
Q4 Credit Loss Provision
$13.66 mln


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 3 "strong buy" or "buy", 4 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy"

Wall Street's median 12-month price target for United Community Banks Inc is $35.00, about 7.8% above its January 13 closing price of $32.48

The stock recently traded at 11 times the next 12-month earnings vs. a P/E of 11 three months ago

Press Release: ID:nGNX5PGdF

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)