Short answer
UNITED COMMUNITY BANKS INC (UCB) filed its fiscal 2025 10-K annual report with the SEC on Feb 17, 2026. It reported revenue of $1.1B (+18.0% year over year) and net income of $328M.
- Top risk flagged: Regulatory/legal risk: Potential cybersecurity incident notification requirements to Federal Reserve, FinCEN, SEC, FBI, Department of Justice authorities
FY2025 key financial metrics · XBRL
- Revenue
- $1.1B
- +18.0% YoY
- Net income
- $328M
- +30.0% YoY
- EPS (diluted)
- $2.62
- +28.4% YoY
- ROE
- 9.0%
- +1.7 pp YoY
- Operating cash flow
- $384M
- +9.8% YoY
Source: XBRL data from the UNITED COMMUNITY BANKS INC (UCB) FY2025 10-K on SEC EDGAR. USD.
UNITED COMMUNITY BANKS INC FY2025 10-K analysis
AI summary of each section, grounded in the filing text
Business Overview
- Core business model: Regional banking services focusing on community-based financial solutions
- New emphasis on stock repurchase program renewed for 2026, authorizing up to $100 million in common stock repurchases
- Strategic move to sustain shareholder returns amid market volatility via aggressive share buyback program
- $29.84 average repurchase price for 1,003,649 shares bought in November 2025 under the 2025 repurchase plan
- Cumulative total shareholder return flat at $128 from 2024 to 2025, underperforming NYSE (151) and KBW Nasdaq Regional Banking Index (131)
Management Discussion & Analysis
- Revenue $1.06B in 2025, up $111M (13%) YoY primarily due to $81.6M net interest revenue growth and $29.3M noninterest income increase
- Net interest margin 3.52% in 2025 vs 3.29% in 2024; operating net income $336M vs $284M, operating diluted EPS $2.71 vs $2.30
- Best segment: Commercial loans growth driving loan portfolio up 7% to $19.4B; worst impacted noninterest income segment: mortgage loan gains down 9%
- Capital allocation: redeemed $88.3M preferred stock, repurchased $44.3M common shares, redeemed $135M senior debt
- Forward outlook: Focus on future acquisitions and capital management; risks include credit, liquidity, and market/interest rate risks with comprehensive risk framework in place
Risk Factors
- Regulatory/legal risk: Potential cybersecurity incident notification requirements to Federal Reserve, FinCEN, SEC, FBI, Department of Justice authorities
- Operational/supply chain vulnerability: Cybersecurity risks from third-party vendors assessed via SOC 2 or ISO 27001 reports and ongoing due diligence processes
- Governance risk: Dependency on Chief Information Security Officer with 20+ years IT/security experience and CISSP certification overseeing cybersecurity program
- Market disruption risk: Increasing cyber threats requiring layered defenses and continuous improvement to maintain customer confidence and operational continuity
Generated from the filing text; verify against the original. How to read a 10-K
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