To ensure this doesn’t happen in the future, please enable Javascript and cookies in your browser.If you have an ad-blocker enabled you may be blocked from proceeding. Please disable your ad-blocker and refresh. ...

United Community Banks (NYSE:UCB) Q3 2025 Earnings Call October 22, 2025 09:00 AM ET Company ParticipantsRussell Gunther - Managing Director of Equity ResearchLynn Harton - Chairman and CEORobert Edwards - CROJefferson Harralson - EVP and CFOCatherine Mealor - Managing Director of Equity ResearchRichard Bradshaw - President and Chief Banking OfficerMichael Rose - Managing Director of Equity ResearchConference Call ParticipantsKyle Gierman - Equity Research AnalystGary Tenner - Senior Equity Research Analyst ...

United Community Banks (NYSE:UCB) Q3 2025 Earnings Call October 22, 2025 09:00 AM ET Company ParticipantsRussell Gunther - Managing Director of Equity ResearchLynn Harton - Chairman and CEORobert Edwards - CROJefferson Harralson - EVP and CFOCatherine Mealor - Managing Director of Equity ResearchRichard Bradshaw - President and Chief Banking OfficerMichael Rose - Managing Director of Equity ResearchConference Call ParticipantsKyle Gierman - Equity Research AnalystGary Tenner - Senior Equity Research Analyst ...

United Community Banks (NYSE:UCB) Q3 2025 Earnings Call October 22, 2025 09:00 AM ET Speaker0Good morning and welcome to United Community Banks' third quarter 2025 earnings call. Hosting our call today are Chairman and Chief Executive Officer Lynn Harton, Chief Financial Officer Jefferson Harralson, President and Chief Banking Officer Rich Bradshaw, and Chief Risk Officer Rob Edwards. United's presentation today includes references to operating earnings, pre-tax, pre-credit earnings, and other non-GAAP fina ...

United Community Banks (NYSE:UCB) Q3 2025 Earnings Call October 22, 2025 09:00 AM ET Speaker0Good morning, and welcome to United Community Bank's Third Quarter twenty '25 Earnings Call. Hosting our call today are Chairman and Chief Executive Officer, Lynn Harton Chief Financial Officer, Jefferson Harrelson President and Chief Banking Officer, Rich Bradshaw and Chief Risk Officer, Rob Edwards. United's presentation today includes references to operating earnings, pretax, pre credit earnings and other non GAA ...

United Community Banks (UCB) came out with quarterly earnings of $0.75 per share, beating the Zacks Consensus Estimate of $0.7 per share. This compares to earnings of $0.57 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +7.14%. A quarter ago, it was expected that this bank holding company would post earnings of $0.62 per share when it actually produced earnings of $0.66, delivering a surprise of +6.45%.Over the last four quar ...

3Q25 Investor Presentation October 22, 2025 © 2025 United Community Bank | ucbi.com Disclosures CAUTIONARY STATEMENT This Investor Presentation contains "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. In general, forward-looking statements usually may be identified through use of words such as "may," "believe," "expect," "anticipate," "intend," "will," "should," "plan," "estimate," " ...

For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 Jefferson Harralson@ucbi.com United Community Banks, Inc. Reports Third Quarter Earnings Strong Loan Growth and Marqin Expansion Drive Higher Revenue and EPS GREENVILLE, SC – October 22, 2025 – United Community Banks, Inc. (NYSE: UCB) (United) today announced net income for the third quarter of 2025 of $91.5 million and pre-tax, pre-provision income of $126.0 million. Diluted earnings per share of $0.70 fo ...

核心业绩表现 - 2025年第三季度净利润为9150万美元，税前拨备前利润为1.26亿美元 [1] - 稀释后每股收益为0.70美元，较去年同期增加0.32美元，较上季度增加0.07美元 [1] - 运营基础每股收益为0.75美元，同比增长32%，主要受27%的营收增长和较低信贷损失拨备推动 [2] - 总营收为2.768亿美元，较第二季度增加1660万美元（6%） [7] - 资产回报率为1.29%（运营基础为1.33%），显著高于去年同期的0.67%和1.01% [3] 盈利能力与效率 - 净息差为3.58%，较第二季度提升8个基点，反映资金成本下降和资产组合改善 [7] - 效率比率为54.3%（GAAP基础）或53.1%（运营基础），连续季度和同比均有所改善 [7] - 有形普通股权益回报率（运营基础）为13.6%，普通股权益回报率为9.2% [3][7] - 有形普通股权益与有形资产比率为9.71%，较第二季度提升26个基点 [3] 贷款与存款增长 - 贷款总额增长2.54亿美元，年化增长率为5.4% [4][7] - 客户存款（剔除公共资金季节性流出）增长1.37亿美元，年化增长率为2.6% [4] - 非计息存款（剔除公共资金）年化增长率为4.7% [4] - 截至季度末，贷款总额达191.75亿美元，较去年同期增长7% [9] 信贷质量 - 净核销额为770万美元，占平均贷款的0.16%（年化），较第二季度改善2个基点 [4][7] - 信贷损失拨备为790万美元，较第二季度减少390万美元 [7] - 不良资产占总资产比例为0.35%，略高于第二季度的0.30% [4] - 信贷损失拨备覆盖率略降至贷款总额的1.19% [4][7] 资本管理 - 普通股权一级资本比率（CET1）为13.4%，资本充足 [7] - 本季度赎回账面价值为8830万美元的优先股，代表所有流通优先股 [7] - 季度普通股股息增至每股0.25美元，同比增长4% [7] - 每股有形账面价值增长0.59美元，年化增长率为11% [4] 业务细分表现 - 商业贷款总额为143.47亿美元，较上季度增长1.9亿美元 [15] - 住宅抵押贷款额为31.98亿美元，住房权益贷款为12.52亿美元 [15] - 佛罗里达州贷款增长显著，达30.4亿美元，较上季度增长7400万美元 [15] - 抵押贷款结算额为2.83亿美元，较去年同期的2.39亿美元增长；抵押贷款锁定额为3.88亿美元，高于去年同期的3.06亿美元 [7]

Getting big returns from financial portfolios, whether through stocks, bonds, ETFs, other securities, or a combination of all, is an investor's dream. But for income investors, generating consistent cash flow from each of your liquid investments is your primary focus.Cash flow can come from bond interest, interest from other types of investments, and, of course, dividends. A dividend is that coveted distribution of a company's earnings paid out to shareholders, and investors often view it by its dividend yi ...