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United Community Banks (UCB)
NYSE:UCB
Earnings Data
Report Date
Jan 20, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.71Last Year’s EPS
0.63Same Quarter Last Year
Strong Buy
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call reflects strong financial performance with significant revenue growth, improved credit metrics, and efficient expense management. However, there are challenges such as increased operating expenses and ongoing management of the senior care portfolio.Company Guidance
Strong Revenue Growth
Revenue grew more than $16 million compared to the second quarter, driven by an eight basis point improvement in the margin and 5.4% annualized loan growth.
Improved Credit Metrics
Provision for credit losses declined by approximately $4 million. Credit losses were only 16 basis points for the quarter. Past dues, non-accruals, and special mention metrics remained in very good ranges.
Increased Earnings Per Share
Operating earnings per share reached $0.75, a 32% year-over-year improvement.
Efficient Expense Management
Expenses grew minimally by $2.9 million over the last quarter. The efficiency ratio improved to 53.1%.
Positive Deposit Trends
Deposits grew by $137 million or 2.6% annualized, with a decrease in deposit costs to 1.97%.
Employee Engagement Success
Employee engagement ranked in the 92nd percentile compared to over 2,000 companies.
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 |
|---|---|---|---|
Oct 22, 2025 | $30.22 | $30.06 | -0.53% |
Jul 23, 2025 | $31.03 | $31.68 | +2.09% |
Apr 22, 2025 | $24.19 | $25.85 | +6.86% |
Jan 22, 2025 | $32.44 | $32.15 | -0.89% |
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 Jan 20, 2026, After Close (Confirmed).
What is United Community Banks (UCB) earnings time?
United Community Banks (UCB) earnings time is at Jan 20, 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 2025 (Q4) is 0.71.