United Community Banks (UCB)
NYSE:UCB
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Earnings Data
Report Date
Jul 21, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.73Last Year’s EPS
0.66Same Quarter Last Year
Strong Buy
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a largely positive operational and financial picture: solid earnings growth (operating EPS +19% YoY), continued loan growth (4.5% annualized), consecutive margin expansion (NIM +29 bps YoY), strong credit metrics, active capital returns (dividend and buybacks), and a strategically attractive, accretive in-market acquisition. Lowlights were mostly manageable one-time or cyclical items — nonoperating charges, slight decline in allowance coverage, seasonal swings in noninterest income, modest NPA/charge-off fluctuations, and near-term expense additions for hiring — none of which materially undermined the quarter’s momentum.Company Guidance
Strong Quarterly Earnings and EPS Growth
Net income of ~ $84 million and GAAP EPS of $0.69; operating EPS of $0.70, representing a 19% increase year-over-year.
Loan Growth and Margin Expansion
Annualized loan growth of 4.5% for the quarter; net interest margin expanded 3 basis points quarter-over-quarter to 3.65% and was up 29 basis points year-over-year. Spread income was up 10% year-over-year and management expects NIM to expand another 3–5 basis points in Q2.
Credit Quality Remains Solid
Total net charge-offs of 22 basis points for the quarter (10 basis points excluding Navitas), nonperforming assets at 0.50% of loans (down 1 basis point YoY), substandard loans/special mention at 2.9% of loans (down 2 basis points YoY), operating ROA 1.22% (up 18 basis points YoY) and operating return on tangible common equity at 13.1%.
Deposit and Capital Strength
Customer deposits grew $237 million (4% annualized); cost of deposits declined 9 basis points to 1.67%; loan-to-deposit ratio steady at 82%; CET1 ratio 13.4% and tangible common equity ~9.92% (both flat). Tangible book value per share grew nearly 6% annualized for the quarter and 10% year-over-year.
Active Capital Returns
Returned capital via a $0.25 quarterly dividend and $37 million of common stock repurchases in the quarter (~1.1 million shares, just under 1% of shares outstanding). Plan to redeem remaining $100 million of subordinated debt in Q2.
Accretive, In-Market M&A (Peach State Bank)
Announced acquisition of Peach State Bank (~$788–800 million assets, ~$713 million deposits) for ~ $100 million in a 50/50 cash-stock mix at 1.9x tangible book and ~6x cost-savings earnings; estimated ~40% cost saves and accretion of $0.09 to EPS in 2027 (to $0.12 accretive with planned share repurchases). Transaction ~3% of United's assets and management plans to repurchase the $50 million of shares issued by year-end.
Operational and Strategic Wins — Customer Satisfaction and AI
Named J.D. Power top-ranked bank for retail client satisfaction in the Southeast (12th time). AI-driven vendor solutions materially reduced fraud losses (~50% decline over two years) and improved contact center and programming productivity (handling more volume with similar staffing).
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 21, 2026 | $34.31 | $33.18 | -3.29% |
Jan 14, 2026 | $32.21 | $33.11 | +2.80% |
Oct 22, 2025 | $29.74 | $29.58 | -0.53% |
Jul 23, 2025 | $30.53 | $31.18 | +2.11% |
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 21, 2026, After Close (Confirmed).
What is United Community Banks (UCB) earnings time?
United Community Banks (UCB) earnings time is at Jul 21, 2026, After Close (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 2026 (Q2) is 0.73.