UCB
United Community Banks·NYSE
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UCB fundamentals
United Community Banks (UCB) released its earnings on Oct 22, 2025: revenue was 276.84M (YoY +36.48%), beat estimates; EPS was 0.7 (YoY +22.81%), met estimates.
Revenue / YoY
276.84M
+36.48%
EPS / YoY
0.7
+22.81%
Report date
Oct 22, 2025
UCB Earnings Call Summary for Q3,2025
- Revenue & Profit Growth: Q3 revenue up 15% YoY, operating EPS +32% YoY to $0.75. Net interest margin expanded to 3.58%.
- Loan Momentum: 5.4% annualized loan growth, with strong C&I and HELAC segments. Q4 pipeline suggests sustained momentum.
- Deposit Efficiency: Cost of deposits at 1.97%, targeting 40%+ deposit beta. Aiming to reprice $1.8B in CDs at lower rates.
- Capital Strength: CET1 ratio 13.4%, with $88M preferred stock redeemed and $14M shares repurchased. Dividend raised 4%.
- 2026 Outlook: Operating leverage expected via improving margin (back book runoff at 4.93% vs. new loans at 7%).
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Key Indicators
United Community Banks (UCB) key financial stats and ratios, covering profitability, financial health, and leverage.
United Community Banks (UCB)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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United Community Banks (UCB)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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United Community Banks (UCB)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does United Community Banks (UCB) generate its revenue? Explore its key revenue streams and top earning regions.
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Track United Community Banks (UCB) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What guidance did United Community Banks's management provide for the next earnings period?What is United Community Banks's gross profit margin?Did United Community Banks beat or miss consensus estimates last quarter?What does United Community Banks do and what are its main business segments?What factors drove the changes in United Community Banks's revenue and profit?What were the key takeaways from United Community Banks’s earnings call?What is the revenue and EPS growth rate for United Community Banks year over year?What were the key takeaways from United Community Banks's earnings call?
