The earnings call presented a positive outlook with strong earnings growth, effective cost management, and successful acquisition integration. Despite a few challenges in noninterest income and the need to manage Navitas loan concentration, the overall performance and strategic positioning of the bank were highlighted as strong.

Company Guidance -

Q3 2025

During United Community Bank's Second Quarter 2025 Earnings Call, the company reported a 14% year-over-year increase in operating earnings per share, reaching $0.66. The net interest margin expanded by 14 basis points to 3.50%, attributed to lower deposit costs and a favorable loan mix. Customer deposits, excluding mergers, grew 1.3% annualized, while loan growth was 4.2% annualized. Net charge-offs were 18 basis points, with a notable improvement in credit quality, as nonaccruals and past dues decreased. The efficiency ratio improved by 222 basis points to 54.8%. The bank's CET1 ratio remained strong at 13.3%, and they repurchased 507,000 shares worth approximately $14 million. The company also highlighted a successful integration of American National Bank, enhancing their presence in South Florida.

Solid Growth in Earnings

Operating earnings per share increased by 14% year-over-year, indicating strong financial performance.

Net Interest Margin Expansion

Net interest margin increased to 3.50%, an improvement of 14 basis points over the last quarter.

Successful Acquisition Integration

The acquisition of American National Bank was completed successfully, adding to the bank's footprint in South Florida.

Controlled Expense Growth

Efficiency ratio improved by 222 basis points compared to last year, indicating effective expense management.

Strong Deposit Performance

Deposits increased by $205 million, with a cost reduction to 2.01%.

Loan Growth

Loan growth continued at a 4.2% annualized pace, excluding the American National acquisition.

Capital Strength

CET1 ratio remained strong at 13.3%, with a TCE ratio increase of 27 basis points.

United Community Banks (UCB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

UCB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 21, 2025	2025 (Q3)	0.66 / -	0.57	―	―	―
Jul 23, 2025	2025 (Q2)	0.61 / 0.66	0.58	13.79% (+0.08)
Apr 22, 2025	2025 (Q1)	0.56 / 0.59	0.52	13.46% (+0.07)
Jan 22, 2025	2024 (Q4)	0.56 / 0.63	0.53	18.87% (+0.10)
Oct 23, 2024	2024 (Q3)	0.58 / 0.57	0.45	26.67% (+0.12)
Jul 24, 2024	2024 (Q2)	0.51 / 0.58	0.55	5.45% (+0.03)
Apr 24, 2024	2024 (Q1)	0.50 / 0.52	0.58	-10.34% (-0.06)
Jan 24, 2024	2023 (Q4)	0.52 / 0.53	0.75	-29.33% (-0.22)
Oct 18, 2023	2023 (Q3)	0.44 / 0.45	0.75	-40.00% (-0.30)
Jul 18, 2023	2023 (Q2)	0.63 / 0.55	0.66	-16.67% (-0.11)

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 Oct 21, 2025, After Close (Confirmed).

What is United Community Banks (UCB) earnings time?

United Community Banks (UCB) earnings time is at Oct 21, 2025, 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 2025 (Q3) is 0.66.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing