United Community Q4 2025 net income $86.5M, EPS $0.70; NIM expands to 3.62%

UNITED COMMUNITY BANKS INC

2025-FY EPS reported $2.62 revenue$1,063,152,000

Net income $86.5M vs $75.8M a year ago; diluted EPS $0.70 (+$0.09 YoY); operating EPS $0.71.
Net interest margin 3.62%, up 36 bps YoY and 4 bps QoQ; total revenue $278.4M (+11% YoY).
Loan growth of $209M (4.4% annualized) from Q3; customer deposits down $242M.
Repurchased 1.0 million shares at avg $29.84; declared $0.25 quarterly dividend (+4% YoY).
Full-year 2025 net income $328M vs $252M in 2024; operating EPS $2.71 (+18%).

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