# United Community Banks (UCB) — Earnings

UCB · NYSE · Stock

Canonical page: https://www.lighthorse.io/tickers/ucb/earnings

## Most recent quarter

| Metric | Value |
| --- | --- |
| 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 |
| SEC filing | [View filing](https://www.sec.gov:443/Archives/edgar/data/857855/000085785526000076/ucbi-20260630.htm) |
| Earnings call | [Transcript](http://o.thsi.cn/dc-d-stock-america.teleconference/15d14ad9-13c3-60f5-c978-ca5c9334a7e4.html) |

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

| Fiscal period | Report date | EPS estimate | EPS actual | Surprise | Revenue estimate | Revenue actual |
| --- | --- | --- | --- | --- | --- | --- |
| Q2 2026 | Jul 21, 2026 | $0.81 | $0.71 | -12.35% | $280.1M | $279.3M |
| Q1 2026 | Apr 21, 2026 | $0.70 | $0.70 | 0.00% | $273.9M | $276.5M |
| Q4 2025 | Jan 14, 2026 | $0.71 | $0.71 | -0.41% | $273.6M | $278.4M |
| Q3 2025 | Oct 22, 2025 | $0.70 | $0.75 | 7.81% | $271.0M | $276.8M |
| Q2 2025 | Jul 23, 2025 | $0.61 | $0.66 | 7.44% | $261.6M | $260.2M |
| Q1 2025 | Apr 22, 2025 | $0.56 | $0.59 | 5.36% | $246.9M | $247.7M |
| Q4 2024 | Jan 22, 2025 | $0.56 | $0.63 | 12.50% | $243.0M | $239.5M |
| Q3 2024 | Oct 23, 2024 | $0.58 | $0.57 | -1.30% | $241.5M | $202.8M |
| Q2 2024 | Jul 24, 2024 | $0.51 | $0.58 | 13.73% | $239.0M | $246.3M |
| Q1 2024 | Apr 24, 2024 | $0.50 | $0.52 | 4.80% | $232.0M | $225.8M |
| Q4 2023 | Jan 24, 2024 | $0.52 | $0.53 | 1.18% | $226.1M | $232.1M |
| Q3 2023 | Oct 18, 2023 | $0.44 | $0.45 | 2.27% | $243.0M | $234.5M |
| Q2 2023 | Jul 18, 2023 | $0.63 | $0.55 | -12.00% | $241.5M | $236.7M |
| Q1 2023 | Apr 18, 2023 | $0.69 | $0.58 | -16.40% | $249.8M | $241.7M |
| Q4 2022 | Jan 17, 2023 | $0.83 | $0.75 | -9.39% | $238.8M | $223.4M |
| Q3 2022 | Oct 18, 2022 | $0.75 | $0.75 | -0.41% | $227.1M | $216.3M |
| Q2 2022 | Jul 19, 2022 | $0.68 | $0.66 | -3.35% | $213.4M | $206.8M |
| Q1 2022 | Apr 19, 2022 | $0.55 | $0.50 | -9.31% | $202.9M | $202.8M |
| Q4 2021 | Jan 19, 2022 | $0.65 | $0.64 | -1.54% | $178.7M | $175.4M |
| Q3 2021 | Oct 19, 2021 | $0.66 | $0.83 | 25.49% | $172.7M | $192.2M |

## 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.

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Earnings figures may be restated, revised or corrected by the issuer. Past results do not indicate future performance.

This page is for informational purposes only. Nothing on it is a recommendation, solicitation or offer to buy or sell any security, nor investment, legal or tax advice. Light Horse Securities Inc does not verify third-party data and is not responsible for its accuracy, completeness or timeliness.

Data provided by [AInvest](https://www.ainvest.com).