United Community Banks delivered higher revenue and EPS in Q3 2025, driven by net interest margin expansion and reduced credit loss provision. Operating performance ratios improved significantly year-over-year.
Total revenue rose to $276.8 million, up 27% YoY.
Net income increased to $91.5 million, with EPS at $0.70 and operating EPS at $0.75.
Return on assets improved to 1.29%, or 1.33% on an operating basis.
Loan portfolio grew by $254 million, reaching $19.2 billion at quarter-end.
No explicit forward EPS guidance was provided, but management indicated continued focus on growth and profitability with positive trends in deposits, margins, and asset quality.
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