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United Community Banks (UCB)
NYSE:UCB
Earnings Data
Report Date
Jul 22, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.61Last Year’s EPS
0.58Same Quarter Last Year
Strong Buy
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Date:Apr 22, 2025
|% Change Since: 12.88%
|Next Earnings Date:Jul 22, 2025
Earnings Call Sentiment|Positive
The earnings call reflects a positive outlook for United Community Banks with strong financial results, effective cost management, and recognition for excellence. However, there are some concerns regarding economic uncertainties and a decline in non-interest income. M&A activities are also on hold due to market conditions.Company Guidance
During United Community Banks' first-quarter 2025 earnings call, several key financial metrics were highlighted, demonstrating a robust start to the fiscal year. Operating earnings reached $0.59 per share, with an operating return on assets of 1.04%, signifying a solid improvement over the previous year. The bank experienced an annualized loan growth rate of over 5% and a deposit growth rate of 5%, with a notable $46 million increase in non-interest-bearing DDA balances. The net interest margin improved by 10 basis points compared to the fourth quarter, primarily due to reduced deposit costs. Additionally, operating expenses decreased both sequentially and year-over-year, while non-performing assets and credit losses remained stable. The bank's CET1 ratio increased to 13.3%, and its TCE ratio rose by 21 basis points to exceed 9%. Despite uncertainties in the economy, United Community Banks remains well-positioned, supported by strong credit quality and proactive measures in managing its balance sheet.Strong Start to Fiscal Year 2025
Operating earnings were $0.59 per share with an operating return on assets of 1.04%, both showing solid improvements from a year ago. Loans and deposits both grew at an annualized rate of just over 5%.
Recognition for Excellence
J.D. Power recognized United for the 11th time as the Retail Banking Satisfaction winner for the Southeast. Additionally, United was ranked number one in Trust and People.
Improvement in Net Interest Margin
Net interest margin increased by 10 basis points over the fourth quarter, driven by lower deposit costs.
Healthy Loan Portfolio Growth
The loan portfolio saw 7% annualized growth in C&I and 15% annualized growth in the Navitas book. HELOC loans also grew at an annualized rate of 13%.
Strong Deposit Growth
Deposit growth was $309 million or 5.3% annualized, outperforming expectations even with seasonal public funds outflow.
Successful Cost Management
Operating expenses were lower both from last quarter and when compared to the first quarter of 2024. Spread income increased 6.5% compared to last year.
UCB Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
UCB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 22, 2025 | $24.38 | $26.05 | +6.85% |
Jan 22, 2025 | $32.69 | $32.40 | -0.89% |
Oct 23, 2024 | $27.98 | $27.53 | -1.61% |
Jul 24, 2024 | $28.97 | $29.09 | +0.41% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does United Community Banks (UCB) report earnings?
United Community Banks (UCB) is schdueled to report earning on Jul 22, 2025, TBA Not Confirmed.
What is United Community Banks (UCB) earnings time?
United Community Banks (UCB) earnings time is at Jul 22, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is UCB EPS forecast?
UCB EPS forecast for the fiscal quarter 2025 (Q2) is 0.61.