United Community Banks Q4 Earnings Call Highlights

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United Community Banks (NYSE:UCB) closed its 4th fourth of 2025 with what absorption described arsenic a “solid extremity to a large year,” citing gross growth, borderline expansion, dependable recognition quality, and improving profitability metrics. Executives besides highlighted actions taken during the twelvemonth to instrumentality superior to shareholders and reposition the equilibrium expanse for aggregate involvement complaint scenarios.

Chairman and CEO Lynn Harton said 4th fourth gross roseate 11% twelvemonth implicit year, driven by continued nett involvement borderline enlargement and 4.4% annualized indebtedness growth. United reported operating net per stock of $0.71, up 13% twelvemonth implicit year. For the quarter, instrumentality connected assets was 1.22% and instrumentality connected tangible communal equity was 13.3%.

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For the afloat year, Harton said operating net per stock accrued 18% to $2.71 from $2.30. He besides pointed to improvements crossed cardinal operating metrics, including a 23-basis-point summation successful margin, a 264-basis-point betterment successful the ratio ratio, declining recognition losses, and an 18-basis-point betterment successful instrumentality connected assets. United topped $1 cardinal successful yearly revenue, representing 12% year-over-year growth, according to management.

Chief Financial Officer Jefferson Harrelson said indebtedness maturation continued astatine a 4.4% annualized gait during the quarter, with maturation “primarily successful the C&I and HELOC categories,” which absorption identified arsenic existent absorption areas. President and Chief Banking Officer Rich Bradshaw added that the 4th represented the “largest slope accumulation 4th ever,” portion noting “senior attraction headwinds” and a mates of ample loans the slope chose not to defend.

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Bradshaw said Florida led production, supported by the bank’s 2 newest acquisitions. He noted C&I grew 12% and said owner-occupied CRE performed well. He besides highlighted grounds committedness enactment successful SBA, stating that adjacent with a authorities shutdown, SBA had “the largest 4th successful commitments that they've ever had.”

On Novitas instrumentality finance, absorption said 2025 originations exceeded $1 cardinal for the archetypal time. In the Q&A, Harrelson said Novitas loans represented 9.5% of full loans and the slope wants to support that vulnerability “at 10% oregon under.” He said Novitas maturation ran 18% annualized successful the 4th earlier sales, which “translated into america selling more,” and added that selling much Novitas loans was the “most apt outcome” successful 2026.