UNITED COMMUNITY BANKS INC (UCB) FY2025 10-K Annual Report
UNITED COMMUNITY BANKS INC (UCB) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 17, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
UNITED COMMUNITY BANKS INC FY2025 10-K Analysis
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
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
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
UNITED COMMUNITY BANKS INC FY2025 Key Financial MetricsXBRL
Revenue
$1.1B
▲ +18.0% YoY
Net Income
$328M
▲ +30.0% YoY
Net Margin
30.9%
▲ +285bp YoY
ROE
9.0%
▲ +166bp YoY
Total Assets
$28.0B
▲ +1.0% YoY
EPS (Diluted)
$2.62
▲ +28.4% YoY
Operating Cash Flow
$384M
▲ +9.8% YoY
Source: XBRL data from UNITED COMMUNITY BANKS INC FY2025 10-K filing on SEC EDGAR. All figures in USD.
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