United Community Banks (UCB) Reports Q4 Earnings: What Key Metrics Have to Say

United Community Banks (UCB) reported $278.39 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 11%. EPS of $0.71 for the same period compares to $0.63 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $273.8 million, representing a surprise of +1.68%. The company has not delivered EPS surprise, with the consensus EPS estimate being $0.73.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.Here is how United Community Banks performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:Net interest margin (FTE): 3.6% compared to the 3.6% average estimate based on three analysts.Efficiency ratio - Operating: 54.2% compared to the 53.8% average estimate based on three analysts.Total nonperforming assets: $93.5 million compared to the $100.61 million average estimate based on two analysts.Average Balance - Total interest-earning assets (FTE): $26.19 billion versus the two-analyst average estimate of $26.27 billion.Net charge-offs to average loans: 0.3% compared to the 0.2% average estimate based on two analysts.Total nonaccrual loans: $91.1 million versus $98.88 million estimated by two analysts on average.Net interest revenue: $237.93 million compared to the $234.87 million average estimate based on three analysts.Total noninterest income: $40.46 million versus the three-analyst average estimate of $40.17 million.Net interest revenue (FTE): $239.03 million versus $235.98 million estimated by two analysts on average.View all Key Company Metrics for United Community Banks here>>>Shares of United Community Banks have returned +0.6% over the past month versus the Zacks S&P 500 composite's +2.1% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.Just Released: Zacks Top 10 Stocks for 2026Hurry – you can still get in early on our 10 top tickers for 2026. Handpicked by Zacks Director of Research Sheraz Mian, this portfolio has been stunningly and consistently successful.From inception in 2012 through November, 2025, the Zacks Top 10 Stocks gained +2,530.8%, more than QUADRUPLING the S&P 500’s +570.3%.Sheraz has combed through 4,400 companies covered by the Zacks Rank and handpicked the best 10 to buy and hold in 2026. You can still be among the first to see these just-released stocks with enormous potential.See New Top 10 Stocks >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report United Community Banks, Inc. (UCB): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks