United Community Banks (UCB) Net Interest Margin Gain Backs Bullish Profitability Narrative
United Community Banks (UCB) reported strong FY 2025 results with increased revenue and EPS, driven by higher net profit margins and loan growth, particularly in Southeastern metro areas. The bank's net interest margin improved, and non-performing loans decreased, supporting a bullish view on profitability and efficiency. Despite these positives, critics point to slower forecast growth compared to the broader US market, valuation concerns, and concentration risks in certain lending sectors.
United Community Names Sharon Thompson Chief Commercial Banking Officer
United Community has appointed Sharon Thompson as its Chief Commercial Banking Officer, a new role established to boost the company's commercial and specialty banking growth. Thompson previously served as Florida State President, where she significantly contributed to the company's expansion, particularly in the Central and East Atlanta regions. In her new capacity, she will oversee various commercial and specialty banking lines and lead strategic recruiting and team development initiatives.
United Community Banks, Inc. (NYSE:UCB) Receives Consensus Rating of "Moderate Buy" from Analysts
United Community Banks, Inc. (NYSE:UCB) has received a "Moderate Buy" consensus rating from seven analysts, with an average 12-month price target of $38.00. The company recently reported Q4 EPS of $0.71, missing estimates by $0.02, but revenue rose 11% year-over-year to $278.4 million, exceeding expectations. Key institutional investors like Norges Bank and Goldman Sachs have significantly increased their stakes, while the company's CAO sold a portion of his holdings.
Public Sector Pension Investment Board Grows Stake in United Community Banks, Inc. $UCB
The Public Sector Pension Investment Board increased its stake in United Community Banks (UCB) by 14.4% in Q3, now holding 473,855 shares. This comes as institutional investors collectively own 82.29% of the stock. United Community Banks' board also approved a $100 million share buyback program, despite reporting Q3 earnings per share of $0.71, which missed analyst estimates by $0.02.
3 Reasons to Sell UCB and 1 Stock to Buy Instead
StockStory analysts recommend selling United Community Banks (UCB) despite its recent market performance, citing lackluster revenue growth, unimpressive EPS growth, and slim projected tangible book value per share growth as primary concerns. They suggest UCB is fairly valued but lacks strong investment appeal and instead direct investors towards a curated list of high-quality software stocks with significant market-beating returns.
Best Income Stocks to Buy for February 12th
This article identifies three income stocks with strong buy ranks for investors to consider: West Bancorporation (WTBA), United Community Banks (UCB), and RELX (RELX). All three companies have seen increases in their Zacks Consensus Estimate for current year earnings over the last 60 days and offer competitive dividend yields compared to their industry averages. The article suggests these stocks are ideal for investors seeking income-generating opportunities.
United Community Names Sharon Thompson Chief Commercial Banking Officer
United Community has promoted Sharon Thompson to Chief Commercial Banking Officer, a newly created position aimed at expanding the company's commercial and specialty banking capabilities. Thompson, formerly United Community's Florida state president, will oversee several commercial and specialty banking lines and lead efforts in recruiting and team development. This promotion highlights her proven leadership, deep commercial expertise, and history of building high-performing teams, as the company continues its growth trajectory.
United Community Names Sharon Thompson Chief Commercial Banking Officer
United Community has appointed Sharon Thompson as its Chief Commercial Banking Officer, a new role established to enhance the company's commercial and specialty banking services. Thompson, who previously served as Florida state president, will lead various commercial banking lines including asset-based lending and commercial real estate. Her promotion reflects United Community's commitment to internal talent and continued growth in its commercial banking sector.
Hovde Group Downgrades United Community Banks to Market Perform From Outperform
Hovde Group has downgraded United Community Banks (UCB) from Outperform to Market Perform. This follows recent news regarding UCB, including insider share sales, Q4 2025 earnings results where net operating income and revenue rose, and updates on its equity buyback plan.
United Community Announces Florida Realignment to Support Growth and Deepen Leadership
United Community has reorganized its Florida operations into North and South Florida markets to better support growth and customer relationships. This realignment includes the promotion of Evan Wyant to North Florida State President and Matthew Bruno to South Florida State President. The bank also appointed new regional leadership, following Sharon Thompson's promotion to chief commercial banking officer, with these changes effective January 1, 2026.
Thrivent Financial for Lutherans Sells 30,280 Shares of United Community Banks, Inc. $UCB
Thrivent Financial for Lutherans reduced its stake in United Community Banks by 20.3%, selling 30,280 shares and now holding 119,154 shares valued at approximately $3.74 million. Additionally, Chief Accounting Officer Alan H. Kumler sold 12,043 shares, decreasing his ownership by over 36%. United Community Banks has authorized a $100 million share repurchase program and pays a quarterly dividend of $0.25, while analysts maintain a "Moderate Buy" consensus rating with an average target price of $37.50.
United Community Names Sharon Thompson Chief Commercial Banking Officer
United Community has appointed Sharon Thompson as Chief Commercial Banking Officer, a newly created role to enhance the company's commercial and specialty banking services. Thompson, previously Florida State President, will oversee various commercial banking lines, focusing on strategic growth and team development. This promotion underscores United Community's commitment to internal talent and expanding its commercial banking footprint.
How Investors May Respond To United Community Banks (UCB) Cluster Of New Analyst Buy Ratings
Three analysts recently issued Buy ratings for United Community Banks (UCB), leading to a "Moderate Buy" consensus and increased optimism. This positive sentiment, while not changing short-term catalysts like credit quality and net interest margins, enhances the bank's investment narrative, which includes solid earnings and reliable dividends, despite modest growth forecasts and insider selling. Investors should consider the varied perspectives on the stock's valuation, insider selling, and potential undervaluation.
Insider Sell: Richard Bradshaw Sells Shares of United Community Banks Inc
Richard Bradshaw, Executive Vice President and Chief Banking Officer of United Community Bank, sold 1,460 shares of United Community Banks Inc (UCB) on February 2, 2026. This transaction leaves him with 72,003 shares. The company's stock is currently trading at $34.17, indicating it is modestly overvalued according to GuruFocus's GF Value.
United Community Names Sharon Thompson Chief Commercial Banking Officer
United Community has promoted Sharon Thompson to Chief Commercial Banking Officer, a newly created role to support the company's growth in commercial and specialty banking. Thompson, who previously served as Florida state president, will lead various commercial banking lines. This appointment highlights United Community's strategy of internal leadership development and investment in its commercial banking capabilities.
Assessing United Community Banks (UCB) Valuation After Fresh Analyst Buy Ratings
United Community Banks (UCB) has received fresh "Buy" ratings from analysts, leading to renewed investor interest and a recent pick-up in stock momentum. The stock trades at US$34.43, below an analyst target of US$37.40 and its estimated fair value of $37.17 according to a discounted cash flow model, suggesting it is undervalued. However, its P/E ratio of 13x, slightly above the industry average, flags caution regarding potential growth or margin shortfalls.
Q4 Earnings Roundup: United Community Banks (NYSE:UCB) And The Rest Of The Regional Banks Segment
This article provides a Q4 earnings roundup for regional banks, focusing on United Community Banks (UCB) and other notable performers. It highlights UCB's revenue beat and positive stock performance, alongside Merchants Bancorp's strong quarter and The Bancorp's disappointing results. The report also covers Washington Trust Bancorp and Pathward Financial, detailing their Q4 financial outcomes and market reactions.
United Community Bank Sells 6,227 Shares of The Progressive Corporation $PGR
United Community Bank significantly reduced its stake in The Progressive Corporation (NYSE:PGR) by selling 6,227 shares, leaving it with 2,426 shares valued at approximately $599,000. Company insiders also sold 13,788 shares totaling about $3.02 million in the last quarter, including notable sales by Steven Broz and Andrew J. Quigg. Market sentiment for Progressive is mixed, with a Bank of America upgrade to $334 but other brokerages lowering targets after Q4, resulting in a consensus "Hold" rating and an average price target of $255.68.
United Community Names Sharon Thompson Chief Commercial Banking Officer
United Community has appointed Sharon Thompson as its new Chief Commercial Banking Officer, a role created to support the firm's growth in commercial and specialty banking. Thompson, previously Florida state president, will lead various commercial and specialty banking lines, focusing on strategic recruiting and team development. United Community Banks, Inc. is a top 100 U.S. financial institution with $28 billion in assets as of December 31, 2025.
How Investors May Respond To United Community Banks (UCB) Cluster Of New Analyst Buy Ratings
Recent Buy ratings from three analysts have boosted optimism for United Community Banks (UCB), leading to a Moderate Buy consensus. While this positive sentiment is important, the article emphasizes that true short-term catalysts remain credit quality, net interest margins, and the new US$100 million share repurchase authorization. Investors should also consider risks like insider selling and a modest forecast return on equity.
How Investors May Respond To United Community Banks (UCB) Cluster Of New Analyst Buy Ratings
Three analysts recently issued Buy ratings for United Community Banks (UCB), leading to a consensus of "Moderate Buy" and signaling increased optimism. While this sentiment adds to improving profitability, key short-term drivers remain credit quality, net interest margins, and the new US$100 million repurchase authorization. Investors should also consider risks like insider selling and a modest forecast return on equity.
United Community Names Sharon Thompson Chief Commercial Banking Officer
United Community has appointed Sharon Thompson as Chief Commercial Banking Officer, a new role established to support the company's growth in commercial and specialty banking. Thompson, previously Florida state president, will oversee various commercial and specialty banking lines and lead efforts to strengthen these businesses. The promotion reflects her proven leadership and deep commercial expertise within the organization.
United Community Names Sharon Thompson Chief Commercial Banking Officer
United Community has promoted Sharon Thompson to Chief Commercial Banking Officer, a newly created role to support the company's growth in commercial and specialty banking. Thompson, formerly Florida state president, will oversee various commercial and specialty banking lines, focusing on strengthening these businesses through recruiting and team development. Her appointment highlights United Community's commitment to internal talent and expanding its financial services across its footprint.
Analysts Offer Insights on Financial Companies: Capital One Financial (COF), DWS Group GmbH & Co KGaA (DE:DWS) and United Community Banks (UCB)
This article highlights bullish analyst sentiments for three financial companies: Capital One Financial (COF), DWS Group GmbH & Co KGaA (DE:DWS), and United Community Banks (UCB). Analysts from KBW, RBC Capital, and TD Cowen have issued Buy ratings with specific price targets for these companies, suggesting potential upsides or strong performance. The report includes details on individual analyst credibility and overall market consensus for each stock.
United Community Names Sharon Thompson Chief Commercial Banking Officer
United Community has promoted Sharon Thompson to Chief Commercial Banking Officer, a newly created role to support the company's growth in commercial and specialty banking. Thompson, who previously served as Florida state president, will now oversee various commercial and specialty banking lines and lead strategic recruiting and team development. This promotion recognizes her deep commercial expertise and proven track record within the organization since joining in 2019.
United Community Banks Gets RS Rating Upgrade
United Community Banks (UCB) saw its Relative Strength (RS) Rating upgrade from 69 to 73, indicating improved share price performance compared to other stocks. This proprietary rating from Investor's Business Daily assesses a stock's price movement over the past 52 weeks. The upgrade suggests a positive trend in UCB's market performance.
Trade Alert: Chief Accounting Officer Of United Community Banks Alan Kumler Has Sold Stock
Alan Kumler, Chief Accounting Officer of United Community Banks (NYSE: UCB), recently sold US$426k worth of shares, representing a 46% reduction in his holding. While the sale occurred at an average price close to the current share price, suggesting it's not a major concern, insider selling generally raises an eyebrow. Despite this, insider ownership remains at 0.6% (US$25M), indicating some alignment with shareholders, and the company is experiencing earnings growth.
Trade Alert: Chief Accounting Officer Of United Community Banks Alan Kumler Has Sold Stock
United Community Banks' Chief Accounting Officer, Alan Kumler, recently sold US$426k worth of company shares, reducing his holding by 46%. This marks the largest insider sale for United Community Banks in the last year, although it occurred at a price close to the current share price, mitigating significant concern. While insider ownership is reasonable at 0.6%, the recent selling activity and moderate insider ownership suggest caution for potential investors.
United Community Names Sharon Thompson Chief Commercial Banking Officer
United Community has appointed Sharon Thompson as its Chief Commercial Banking Officer, a new role established to support the company's expanding commercial and specialty banking operations. Thompson, previously Florida State President, will oversee various commercial segments and lead strategic recruitment, bringing extensive experience from her previous leadership roles at United and other financial institutions. This promotion highlights United Community's commitment to internal talent and strengthening its commercial banking sector.
Did Strong Q4 Margins And Buybacks Just Shift United Community Banks' (UCB) Investment Narrative?
United Community Banks (UCB) reported strong Q4 2025 results with higher net interest income and net income, alongside a significant share repurchase program. These results, emphasizing margin discipline, cost management, and capital return, reinforce the company's conservative regional bank investment narrative. While the core risks related to funding costs and credit conditions remain, the latest performance strengthens the case for UCB's efficiency and capital allocation strategies.
Alan Kumler Sells 12,043 Shares of United Community Banks (NYSE:UCB) Stock
Alan Kumler, CAO of United Community Banks (NYSE:UCB), sold 12,043 shares at an average price of $35.36, decreasing his stake by over 36%. Following this, the company's shares traded down, and it reported mixed quarterly earnings, missing EPS estimates but exceeding revenue expectations. Analysts currently rate UCB as a "Moderate Buy" with an average target price of $37.50.
United community banks SVP Kumler sells $425k in stock
Alan H Kumler, SVP and Chief Accounting Officer at United Community Banks (NASDAQ:UCB), sold 12,043 shares of company stock for a total of $425,805. This transaction, occurring on January 23, 2026, leaves Kumler with 21,096 shares directly owned. The sale follows recent robust Q4 2025 earnings for United Community Banks, which met analyst expectations and led to several investment firms raising their price targets for the bank.
Insider Sell: Alan Kumler Sells Shares of United Community Banks Inc (UCB)
Alan Kumler, Senior Vice President and Chief Accounting Officer at United Community Banks Inc (UCB), sold 12,043 shares of the company on January 23, 2026, reducing his ownership to 21,096 shares. Over the past year, there have been 2 insider buys and 6 insider sells for UCB. The stock was trading at $35.36 with a market cap of $4.084 billion, and its price-to-GF-Value ratio of 1.12 indicates it is fairly valued.
United Community Banks, Inc. (NYSE:UCB) Receives Consensus Recommendation of "Moderate Buy" from Analysts
United Community Banks, Inc. (NYSE:UCB) has received a consensus "Moderate Buy" rating from seven analysts, with an average 12-month price target of $37.50. The company recently reported quarterly EPS of $0.71, slightly missing estimates, but revenue increased 11% year-over-year to $278.4 million, exceeding expectations. Management's confidence is supported by a $100 million share buyback authorization and a quarterly dividend of $0.25, yielding approximately 2.8%.
United Community Banks Getting Closer To Key Technical Measure
United Community Banks (UCB) has seen its Relative Strength (RS) Rating improve from 69 to 76, indicating strengthening technical performance. This proprietary rating from IBD measures market leadership by tracking a stock's price performance. This upgrade suggests the stock is moving closer to key technical indicators, reflecting increased investor interest and price strength.
Massachusetts Financial Services Co. MA Sells 188,520 Shares of United Community Banks, Inc. $UCB
Massachusetts Financial Services Co. MA has reduced its stake in United Community Banks (NYSE:UCB) by 12.9%, selling 188,520 shares and now holding 1,272,622 shares valued at approximately $39.9 million. This move comes as the company faces mixed signals, including a missed EPS estimate despite an 11% revenue increase, alongside a $100 million share buyback authorization and an upgrade to "strong-buy" by Zacks. Institutional investors collectively own 82.29% of the stock, with a MarketBeat consensus rating of "Moderate Buy" and a target price of $37.00.
5 Must-Read Analyst Questions From United Community Banks's Q4 Earnings Call
United Community Banks (UCB) delivered a strong Q4, with revenue exceeding estimates and EPS matching expectations, driven by margin expansion, cost management, and stable credit quality. Management discussed a shift towards a higher loan-to-deposit ratio, plans for more assertive share repurchases, and continued net interest margin tailwinds. Analysts focused on balance sheet growth, competitive pressures, expense outlook, and fee income seasonality.
United Community Banks : Names Sharon Thompson Chief Commercial Banking Officer
United Community Banks (NYSE: UCB) has appointed Sharon Thompson as its new Chief Commercial Banking Officer, a role created to support the expansion of its commercial and specialty banking services. Thompson, previously the Florida state president, will lead various commercial and specialty banking lines including asset-based lending, middle market, and commercial real estate. Her appointment reflects United Community's strategy to foster internal talent and grow its commercial banking division.
Evaluating United Community Banks (UCB) Valuation As Shares Trade Below Estimated Fair Value
United Community Banks (UCB) shares are currently trading below their estimated fair value, presenting a potential opportunity for investors. Based on detailed earnings projections, the stock is considered 5.9% undervalued, with analysts expecting significant earnings growth by 2028. However, this valuation is contingent on the bank effectively managing deposit competition, credit quality, and potential risks from higher funding costs or real estate performance.
United Community Banks (NYSE:UCB) Rating Increased to Strong-Buy at Zacks Research
Zacks Research has upgraded United Community Banks (NYSE:UCB) to a "strong-buy" rating, with other analysts also raising their price targets, leading to a consensus "Moderate Buy" rating and a $37.00 target. This upgrade comes despite the bank missing its Q4 EPS estimate by $0.02, though revenue beat expectations and grew 11% year-over-year. The company's board has also authorized a $100 million share repurchase program, indicating confidence in its stock's value.
Is United Community Banks (UCB) Pricing Look Interesting After Recent Regional Banking Sector Focus
United Community Banks (UCB) is currently trading at US$33.91, with recent performance influenced by concerns in the U.S. regional banking sector. An Excess Returns model suggests the stock is 41.5% undervalued with an intrinsic value of $57.97 per share. However, its P/E ratio of 12.85x is close to Simply Wall St's Fair Ratio of 12.78x, indicating it's priced correctly based on current fundamentals.
United Community Banks Inc (NYSE:UCB) Beats Revenue Expectations
United Community Banks Inc (NYSE:UCB) saw its stock rise after reporting fourth-quarter earnings that surpassed revenue expectations. While net income increased by 14% and the net interest margin improved, the bank also experienced a significant jump in net charge-offs. Looking ahead, the bank anticipates a slight increase in net interest margin for the first quarter of 2026.
United Community Banks stock price target raised to $39 by Stephens
Stephens has increased its price target for United Community Banks (NYSE:UCB) to $39 from $37, maintaining an Overweight rating. This adjustment follows the bank's strong quarterly performance, which saw core pre-provision net revenue exceed consensus expectations and a net interest margin expansion. The bank's sound financial standing, including a low PEG ratio and a consistent dividend growth record, supports the positive outlook.
United Community Banks stock price target raised to $39 by DA Davidson
DA Davidson has increased its price target for United Community Banks (NYSE:UCB) to $39 from $38, maintaining a Buy rating. The firm cited UCB's strong potential for top-line growth and earnings per share expansion through 2026 and 2027, highlighting robust net interest margin performance and a constructive loan production outlook. This follows recent positive earnings reports and similar target raises from Stephens and Keefe, Bruyette & Woods, indicating a strong financial outlook for the bank.
United Community Banks (NYSE:UCB) Price Target Raised to $36.00
Keefe, Bruyette & Woods has raised its price target for United Community Banks (NYSE:UCB) to $36.00, suggesting a potential upside of nearly 8%. This comes after the bank reported slightly below-consensus EPS but an 11% year-over-year increase in revenue, and authorized a $100 million share repurchase program. Institutional investors hold a significant stake in UCB, with several funds recently increasing or initiating positions.
United Community Banks Q4 Earnings Call Highlights
United Community Banks (NYSE:UCB) concluded Q4 2025 with strong financial results, highlighted by 11% year-over-year revenue growth, margin expansion, and a 13% increase in operating EPS. The bank emphasized capital returns to shareholders and strategic balance sheet positioning, noting significant loan growth in C&I and HELOC categories, and record commitment activity in SBA. Despite some credit charge-offs, management anticipates continued growth and efficiency improvements in 2026, though with a limited appetite for M&A outside its established footprint.
Earnings call transcript: United Community Banks Q4 2025 results meet expectations
United Community Banks Inc. (UCBI) reported Q4 2025 EPS of $0.71, meeting analyst expectations, and revenue of $278.4 million, surpassing forecasts. Despite strong financial performance and a full-year revenue exceeding $1 billion, the stock experienced a premarket decline of 4.25%. The company projects a 5-7% loan growth and 3-3.5% expense growth for 2026, focusing on organic expansion rather than large-scale M&A.
United Community Banks, Inc. Reports Fourth Quarter Earnings
United Community Banks, Inc. reported strong financial results for the fourth quarter and full year 2025, with diluted earnings per share of $0.70 for the quarter and $2.62 for the year, representing significant increases from 2024. The company achieved further margin expansion, healthy loan growth, and improved key performance metrics, which led to share repurchases and senior debt redemption. Chairman and CEO Lynn Harton expressed confidence in continued strong performance for 2026, citing robust economic conditions in their markets and effective execution by their team.
UCB Q4 2025 Earnings: $86.5M Net Income, Misses EPS Estimates - News and Statistics
United Community Banks Inc. (UCB) reported a net income of $86.5 million for the fourth quarter of 2025, with earnings of 70 cents per share, or 71 cents per share adjusted. This fell short of Wall Street estimates of 73 cents per share. However, the company's revenue net of interest expense reached $278.4 million, exceeding forecasts.
United Community Banks Q4 Earnings Call Highlights
United Community Banks (NYSE: UCB) concluded Q4 2025 with strong financial results, including an 11% year-over-year revenue increase and 13% growth in operating EPS, signaling a "solid end to a great year." Management highlighted continued net interest margin expansion, robust loan growth, steady credit quality, and strategic balance sheet adjustments for varying interest rate environments. The bank aims for sustained growth in 2026 through organic initiatives and opportunistic share buybacks, while maintaining a cautious stance on M&A due to limited suitable targets within its current footprint.
