Filing Flows › United Community Banks (UCB) › Q4 2025
United Community Banks (UCB) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Feb 17, 2026
United Community Banks (UCB) reported revenue of $278M for the fourth quarter 2025 (Q4 2025), +11% from a year earlier and +0.6% from the quarter before. Operating margin was 40.5%, net earnings $86.5M (31.1% of revenue).
United Community Banks, Q4 2025: revenue $278M (+11% year over year), operating margin 40.5%, net earnings $86.5M, operating cash flow $65.5M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $278M | +0.6% | +11% |
| Operating profit | $113M | -5% | +17% |
| Net earnings | $86.5M | -6% | +14% |
| Operating cash flow | $65.5M | -47% | -56% |
| Free cash flow | $59.7M | -49% | -58% |
What changed
Revenue was $278.4M in Q4 2025, up 11% year over year and up 1% from the previous quarter.
Operating profit was $112.7M, a 40.5% margin (up 2.0 points year over year). Of the extra revenue versus a year earlier, 59% reached operating profit, above the 38% margin then. Total costs grew 7% against revenue growth of 11%. The fastest-growing cost line was Sales & marketing (+30%). Net earnings were $86.5M, up 14% year over year. The effective tax rate was 23.3%.
Operating cash flow was $65.5M (down 56% year over year), 76% of net earnings. Non-cash charges added back $11.8M of depreciation and amortization and $3.2M of share-based compensation. Working capital and other items used $36.1M. Capital expenditures of $5.8M left free cash flow of $59.7M.
Questions
What was United Community Banks' revenue in the fourth quarter 2025?
United Community Banks (UCB) reported revenue of $278M for the fourth quarter 2025 (Q4 2025), +11% from a year earlier and +0.6% from the quarter before.
Was United Community Banks profitable in the fourth quarter 2025?
Operating profit was $113M (40.5% of revenue) and net earnings $86.5M.