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United Community Banks (UCB)
NYSE:UCB
US Market
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United Community Banks (UCB) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Oct 21, 2025
After Close (Confirmed)
Period Ending
2025 (Q3)
Consensus EPS Forecast
0.7
Last Year’s EPS
0.57
Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings

Earnings Call Summary

Q2 2025
Earnings Call Date:Jul 23, 2025|
% Change Since:
|
Earnings Call Sentiment|Positive
The earnings call reflected strong financial performance with significant growth in operating earnings, net interest margin, and successful strategic acquisition. While there were minor concerns about noninterest income and limitations on Navitas loan sales, the overall outlook remains optimistic.
Company Guidance
In United Community Bank's second quarter 2025 earnings call, the bank reported a strong performance with operating earnings per share increasing by 14% year-over-year to $0.66. The net interest margin expanded to 350 basis points, up by 14 basis points from the previous quarter. Customer deposits, excluding merger activities, grew 1.3% annualized, while loan growth was at a 4.2% annualized rate. Credit quality remained robust, with net charge-offs at 18 basis points, and nonaccruals and past dues improving from already low levels. The efficiency ratio improved by 222 basis points from the previous year to 54.8%. The bank's CET1 ratio stood at 13.3%, and they were active in capital management, including the repurchase of 507,000 shares. The bank also completed the acquisition of American National Bank, enhancing its South Florida presence. Looking ahead, the bank remains optimistic about continued growth, despite uncertainties in the macroeconomic environment.
Strong Operating Earnings Growth
Operating earnings per share for the quarter was $0.66, an increase of 14% year-over-year.
Net Interest Margin Expansion
Net interest margin expanded to 350 basis points, an improvement of 14 basis points over the last quarter.
Controlled Expense Growth
Efficiency ratio improved to 54.8%, an improvement of 222 basis points compared to last year.
Successful Acquisition and Integration
Closed the acquisition of American National Bank, expanding the South Florida footprint.
Robust Loan Growth
Loan growth was 4.2% annualized with strong pipelines heading into the third quarter.
Healthy Capital Ratios
CET1 ratio remained at 13.3%, providing strength and flexibility for future opportunities.

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

UCB Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Oct 21, 2025
2025 (Q3)
0.70 / -
0.57
Jul 23, 2025
2025 (Q2)
0.61 / 0.66
0.5813.79% (+0.08)
Apr 22, 2025
2025 (Q1)
0.56 / 0.59
0.5213.46% (+0.07)
Jan 22, 2025
2024 (Q4)
0.56 / 0.63
0.5318.87% (+0.10)
Oct 23, 2024
2024 (Q3)
0.58 / 0.57
0.4526.67% (+0.12)
Jul 24, 2024
2024 (Q2)
0.51 / 0.58
0.555.45% (+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
Jul 23, 2025
$31.27$31.93+2.11%
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%
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 0.7.
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