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United Community Banks (UCB)
NYSE:UCB
Earnings Data
Report Date
Apr 21, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.7Last Year’s EPS
0.59Same Quarter Last Year
Moderate Buy
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a largely positive operating and financial performance: strong revenue and EPS growth, margin expansion, record production milestones across retail, small business and equipment finance, solid capital ratios and constructive capital return actions (buybacks, dividend increase, preferred redemption). Challenges included a higher quarterly charge-off driven by two specific commercial credits, modest deposit growth with some end-of-period outflows, a slight decline in reserve coverage, and elevated operating expenses in the quarter due to health insurance and incentives. Management guidance was constructive (NIM tailwinds, targeted expense growth of 3%–3.5%, intent to be more assertive on buybacks) and they reiterated confidence in credit quality with an expected 20–25 bps loss rate for 2026.Company Guidance
Quarterly and Annual Revenue Growth
Q4 revenue grew 11% year-over-year; full-year revenue topped $1 billion with 12% year-over-year growth, marking record annual revenue for the company.
Earnings Per Share and Profitability Improvement
Operating earnings per share: Q4 $0.71, a 13% year-over-year increase; full-year operating EPS grew 18% from $2.30 to $2.71. Q4 return on assets was 1.22% and return on tangible common equity reached 13.3%.
Margin and Efficiency Gains
Net interest margin increased to 3.62% in Q4 (up 4 bps; up 6 bps excluding loan accretion). For the year, margin improved by 23 basis points and the efficiency ratio improved by 264 basis points year-over-year.
Loan Growth and Product Production Milestones
Loan growth continued at a 4.4% annualized pace in the quarter. Retail and small business lending each exceeded $1 billion in annual production for the first time; Navitas equipment finance crossed $1 billion in originations for the first time.
Capital Actions and Capital Position
Executed share repurchase of 1 million shares in Q4 at an average price below $30; increased dividend to an annualized $1 per share in Q3; redeemed preferred stock. CET1 ratio remained solid at 13.4% and tangible common equity increased 21 bps to 9.92%.
Balance Sheet and Funding Improvements
Loan-to-deposit ratio increased to 82% (third quarter in a row rising). Cost of deposits improved 21 basis points to 1.76%; cumulative total deposit beta moved to 40% from 37%. Deposits grew 1% for the year.
Spread Income and NIM Tailwinds
Spread income grew 7% annualized in the quarter. Management expects additional NIM improvement in Q1 2026 of 2–4 basis points due to back-book repricing and liability repricing dynamics.
Business Wins and Market Recognition
Recognized #1 in retail client satisfaction in the Southeast (J.D. Power) for the 11th time; named a top bank to work for by American Banker for the ninth time; received an ABA Community Commitment Award. Expanded footprint with conversion of American National Bank (Fort Lauderdale) and opened a new office in Cary, NC.
Strategic Risk and Portfolio Actions
Reduced securities duration to improve earnings durability across rate scenarios; upgraded interest rate risk and deposit pricing systems and added talent to strengthen risk management.
Fee and Noninterest Income Growth Areas
Wealth management and treasury management businesses showed good growth; customer swaps and treasury services expected to provide continued fee growth in 2026.
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 |
|---|---|---|---|
Jan 14, 2026 | $32.48 | $33.39 | +2.80% |
Oct 22, 2025 | $29.99 | $29.83 | -0.53% |
Jul 23, 2025 | $30.79 | $31.44 | +2.11% |
Apr 22, 2025 | $24.00 | $25.65 | +6.87% |
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 Apr 21, 2026, After Close (Confirmed).
What is United Community Banks (UCB) earnings time?
United Community Banks (UCB) earnings time is at Apr 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 (Q1) is 0.7.