United Community Banks Q4 2024 net income $75.8M, diluted EPS $0.61; operating EPS $0.63

UNITED COMMUNITY BANKS INC

2024-FY EPS reported $2.04 revenue$901,173,000

Net income $75.8M ($0.61 diluted EPS GAAP); operating EPS $0.63 up 19% YoY and 11% linked quarter.
Loan growth $212M (5% annualized); customer deposits up $213M; net interest margin 3.26% down 7 bps from Q3.
Credit quality improved: net charge-offs $9.5M (0.21% of avg loans) lowest in two years; provision $11.4M.
Quarterly dividend raised 4% to $0.24 per share; redeemed $60M subordinated debentures.
Agreed to acquire American National Bank (FL) in December; preliminary CET1 ratio 13.2%.

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