United Community Banks (UCB) earnings history
Most recent quarter
- Fiscal period
- Q2 2026
- Period end
- Jun 30, 2026
- EPS actual
- $0.71
- EPS estimate
- $0.81
- EPS surprise
- −12.35%
- Revenue surprise
- −0.31%
- Revenue
- $279.3M
- Revenue estimate
- $280.1M
- Reported
- Jul 21, 2026
United Community Banks reported Q2 2026 results on July 21, 2026. Earnings per share were $0.71, below the $0.81 estimate, a 12.35% miss. Revenue was $279.3 million, slightly under the $280.1 million consensus. Compared with Q2 2025, EPS rose about 8% from $0.66 and revenue rose about 7% from $260.2 million.
Annual EPS was $2.66 in 2022, fell to $2.11 in 2023, then recovered to $2.30 in 2024 and $2.71 in 2025. Revenue grew from $849.3 million in 2022 to $1.06 billion in 2025, about 25% higher. The first half of 2026 adds up to $1.41 per share, about 13% more than a year earlier. Q2 2026 is the revenue high in the table, while quarterly EPS peaked at $0.83 in Q3 2021 and bottomed at $0.45 in Q3 2023. Results against estimates have been mixed: over the last 20 quarters, the bank beat the EPS estimate 9 times, missed 10 times and matched once.
United Community Banks reported Q3 between October 18 and October 23 in each of the past five years. That points to mid- to late October 2026 for the next report. It will show whether EPS keeps pace with revenue.
Earnings history
| Period | Reported | EPS estimate | EPS actual | Surprise | Revenue | Filing |
|---|---|---|---|---|---|---|
| Q2 2026 | Jul 21, 2026 | $0.81 | $0.71 | −12.35% | $279.3M | SEC |
| Q1 2026 | Apr 21, 2026 | $0.70 | $0.70 | +0.00% | $276.5M | SEC |
| Q4 2025 | Jan 14, 2026 | $0.71 | $0.71 | −0.41% | $278.4M | SEC |
| Q3 2025 | Oct 22, 2025 | $0.70 | $0.75 | +7.81% | $276.8M | SEC |
| Q2 2025 | Jul 23, 2025 | $0.61 | $0.66 | +7.44% | $260.2M | SEC |
| Q1 2025 | Apr 22, 2025 | $0.56 | $0.59 | +5.36% | $247.7M | SEC |
| Q4 2024 | Jan 22, 2025 | $0.56 | $0.63 | +12.50% | $239.5M | SEC |
| Q3 2024 | Oct 23, 2024 | $0.58 | $0.57 | −1.30% | $202.8M | SEC |
| Q2 2024 | Jul 24, 2024 | $0.51 | $0.58 | +13.73% | $246.3M | SEC |
| Q1 2024 | Apr 24, 2024 | $0.50 | $0.52 | +4.80% | $225.8M | SEC |
| Q4 2023 | Jan 24, 2024 | $0.52 | $0.53 | +1.18% | $232.1M | SEC |
| Q3 2023 | Oct 18, 2023 | $0.44 | $0.45 | +2.27% | $234.5M | SEC |
| Q2 2023 | Jul 18, 2023 | $0.63 | $0.55 | −12.00% | $236.7M | SEC |
| Q1 2023 | Apr 18, 2023 | $0.69 | $0.58 | −16.40% | $241.7M | SEC |
| Q4 2022 | Jan 17, 2023 | $0.83 | $0.75 | −9.39% | $223.4M | SEC |
| Q3 2022 | Oct 18, 2022 | $0.75 | $0.75 | −0.41% | $216.3M | — |
| Q2 2022 | Jul 19, 2022 | $0.68 | $0.66 | −3.35% | $206.8M | — |
| Q1 2022 | Apr 19, 2022 | $0.55 | $0.50 | −9.31% | $202.8M | — |
| Q4 2021 | Jan 19, 2022 | $0.65 | $0.64 | −1.54% | $175.4M | — |
| Q3 2021 | Oct 19, 2021 | $0.66 | $0.83 | +25.49% | $192.2M | — |
Quarterly revenue
Frequently asked questions
When did United Community Banks (UCB) last report earnings?
United Community Banks last reported on Jul 21, 2026, covering fiscal Q2 2026.
Did UCB beat earnings estimates?
No. United Community Banks reported EPS of $0.71 for Q2 2026 against a $0.81 estimate — a 12.35% miss.
How much revenue did UCB report last quarter?
United Community Banks reported $279.3M in revenue for Q2 2026, against a consensus estimate of $280.1M.
Earnings figures may be restated, revised or corrected by the issuer. Past results do not indicate future performance.
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