XVARY Composite Score
60
/ 100
Average
Combines growth, value, risk, and momentum factors into a single institutional-grade score.
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What it is
United Community is a regional bank that takes your deposits, makes loans, and charges fees across 199 offices.
How it gets paid
Last year United Community made ~$1.06B in revenue. Net interest income was the main engine at $0.91B, or 86% of sales.
Why it's growing
Revenue grew 12% last year. Scrubbing out the fake $785M / 183% quarter fixes the whole page— UCB is a mid-teens P/E bank.
What just happened
Q4 2025 revenue ~ $278M; diluted EPS ~ $0.70 GAAP. FY 2025 diluted EPS ~ $2.62.
At a Glance
B++ balance sheet — above average — nothing keeping you up at night
60/100 earnings predictability — reasonably predictable
13.0x trailing p/e — the market's not buying it — or you found a deal
3.3% dividend yield — cash in your pocket every quarter
~$2.62 FY2025 diluted EPS (reported)
XVARY composite: 60/100 — average
What They Do
United Community is a regional bank that takes your deposits, makes loans, and charges fees across 199 offices.
This is a deposit-and-loan machine with reach. UCB has $28.1 billion in assets and 199 offices across six Southeastern states, plus national SBA and equipment-finance businesses. Banking moat (cheap funding from customer deposits → lower lending costs → better profits) matters because your bank is strongest when leaving feels inconvenient and local relationships keep deposits parked.
How They Make Money
~$1.06B
FY 2025 revenue (approx.) · ~+12% YoY in common feeds— verify 10-K
Net interest income
$0.91B
+13.1%
Deposit service charges
$0.06B
+11.7%
Mortgage and loan-related fees
$0.04B
+11.7%
Wealth, advisory, and brokerage
$0.03B
+11.7%
Payments, equipment finance, and other
$0.02B
+11.7%
The Products That Matter
Business lending
Commercial & Industrial Loans
$19.4B loan book
this is the earning asset base behind the story. if yields hold and credit stays clean, the 3.6% net interest margin keeps working. if either slips, this book stops looking so attractive.
core engine
Deposits and branch banking
Consumer Banking
$431M total cash
deposits fund the lending machine. in human-speak: cheaper funding leaves more room between what the bank pays depositors and what it earns on loans.
funding base
Fee-based services
Wealth Management
part of $168.4M non-interest income
this matters because it is one of the few revenue lines not tied straight to interest spreads. the problem is scale: fee income is still a small piece of a $1.1B revenue bank.
small buffer
Key Numbers
7%
debt load
Debt to capital (borrowings as a share of funding → balance sheet pressure gauge → lower usually means more flexibility) is just 7%, or $254M of long-term debt.
13.0x
trailing p/e
P/E (price divided by annual profit per share → what you pay for earnings → lower can mean cheaper) sits at 13.0x, which is plain for a bank growing revenue 11.7%.
3.3%
dividend yield
Dividend yield (cash paid each year divided by stock price → your cash return while you wait → higher helps in boring stocks) is 3.3%.
$28.1B
asset base
Assets are the raw material for a bank. UCB's $28.1B base supports lending, fee products, and deposit gathering across six states.
Financial Health
B++
Strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 55 / 100
- long-term debt $254M (7% of capital)
B++ — functional but not a standout on the balance sheet.
Total Return vs. Market
source: institutional data · return history unavailable
What Just Happened
Q4 + FY 2025
Q4 2025 revenue ~$278M; diluted EPS ~$0.70 GAAP. FY 2025 diluted EPS ~$2.62.
Releases also cite operating EPS ~$0.71 (+13% YoY)— always match the same adjusted vs. GAAP definition as your consensus feed. Pretax pre-provision ~$126M in Q4 per Nasdaq summary.
~$278M
Q4 revenue
~$0.70
Q4 diluted EPS
~$2.62
FY diluted EPS
the number that mattered
Scrubbing out the fake $785M / 183% quarter fixes the whole page— UCB is a mid-teens P/E bank, not a triple-digit growth meme.
source: United Community Banks Q4 / FY 2025 materials · Nasdaq / Business Wire · Investor relations
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What Could Go Wrong
The #1 risk is net interest margin compression at a bank where 85% of revenue comes from spread income.
Med
Deposit costs rise faster than loan yields
A bank margin is just the gap between what it earns on assets and what it pays for funding. UCB reported a 3.6% net interest margin. If deposits get more expensive and loan yields do not keep up, the main earnings engine weakens.
85% of revenue comes from net interest income, so this is not a side issue — it is the business model.
Med
Southeast concentration cuts both ways
The bank operates with a southeastern footprint and a $19.4B loan book. Regional focus helps local knowledge, but it also means one economic patch matters a lot more than it would at a national lender.
If credit quality weakens in that footprint, you feel it across the loan portfolio rather than in one small division.
Med
Fee income is too small to bail out a weak spread quarter
Non-interest income was $168.4M, just 15% of revenue. That gives you some diversification, but not much. When the spread stumbles, fees are not large enough to carry the year.
This is why a bank with a cheap multiple can still get cheaper if margin pressure shows up.
A 0.25% compression in net interest margin would cut annual pre-tax income by roughly $48M based on the current $19.4B loan base.
Source: institutional data · regulatory filings · risk analysis
Pay Attention To
Margin watch
3.6% net interest margin
This is the number that matters. If it holds, the 13.0x multiple looks manageable. If it slips, 85% of revenue feels the pressure.
Calendar
Next earnings update
The next report will tell you whether Q4's 3.6% margin was stable or just a good quarter. For this stock, one quarter of spread erosion matters more than a polished conference call.
Mix shift
Can fee income get above 15% of revenue
Non-interest income was $168.4M against $951.6M of net interest income. Until that gap narrows, you still own a one-engine bank.
Capital return
$100M buyback execution
Repurchases help only if earnings stay intact. Watch whether management retires shares while preserving the current $2.61 earnings base instead of masking weaker operating momentum.
Analyst Rankings
earnings predictability
60 / 100
in human-speak, analysts see a bank that is steady enough to model but exposed enough to rates and funding costs that surprises still happen.
risk rank
3
that places it around the middle of the pack on safety. You are not buying a bunker stock, but you are not buying a balance-sheet accident either.
Source: institutional data
Institutional Activity
institutional ownership data for UCB is being compiled.
Source: institutional data
Price Targets
3-5 year target range
$34
Current price
Target midpoint · from current
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