UCB Stock - United Community Banks, Inc.
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $1.48B | $1.29B | $928.93M | $716.27M | $695.60M |
| Gross Profit | $879.09M | $782.52M | $804.22M | $724.06M | $558.93M |
| Gross Margin | 59.4% | 60.6% | 86.6% | 101.1% | 80.4% |
| Operating Income | $323.01M | $232.54M | $356.00M | $347.76M | $209.44M |
| Net Income | $252.40M | $187.54M | $277.47M | $269.80M | $164.09M |
| Net Margin | 17.0% | 14.5% | 29.9% | 37.7% | 23.6% |
| EPS | $2.04 | $1.54 | $2.52 | $2.97 | $1.91 |
United Community Banks, Inc. operates as the financial holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors. It accepts various deposit products, including checking, savings, money market, and other deposit accounts. The company also offers lending services, including real estate, consumer, and commercial loans, to individuals, small businesses, mid-sized commercial businesses, and non-profit organizations, as well as secured and unsecured, and mortgage loans. In addition, it originates loans partially guaranteed by the SBA and USDA loan programs. Further, the company provides wealth management services comprising financial planning, customized portfolio management, and investment advice; trust services to manage fiduciary assets; non-deposit investment products; and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities, as well as invests in residential and commercial mortgage-backed securities, asset-backed securities, the U.S. treasury, the U.S. agency, and municipal obligations. Additionally, it offers reinsurance on a property insurance contract; insurance agency services; treasury management; credit cards; payment and commerce solution, equipment finance, investment advisory, and other related financial services; brokerage services; and payment processing, merchant, wire transfer, private banking, and other related financial services. The company was founded in 1950 and is headquartered in Blairsville, Georgia.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| July 24th 2025 | Hovde Group | Reiterated | Outperform | $36← $35 |
| July 8th 2025 | Raymond James | Downgrade | Market Perform | - |
| April 7th 2025 | Hovde Group | Upgrade | Outperform | $31← $32 |
| March 20th 2025 | Hovde Group | Reiterated | Market Perform | $32← $36 |
| December 19th 2024 | Raymond James | Upgrade | Outperform | $35 |
Earnings History & Surprises
UCBEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 20, 2026 | — | — | — | — |
Q1 2026 | Jan 28, 2026 | $0.72 | — | — | — |
Q4 2025 | Oct 22, 2025 | $0.70 | $0.75 | +7.8% | ✓ BEAT |
Q3 2025 | Jul 23, 2025 | $0.62 | $0.66 | +6.5% | ✓ BEAT |
Q2 2025 | Apr 22, 2025 | $0.56 | $0.59 | +5.4% | ✓ BEAT |
Q1 2025 | Jan 22, 2025 | $0.55 | $0.63 | +14.5% | ✓ BEAT |
Q4 2024 | Oct 23, 2024 | $0.58 | $0.57 | -1.4% | ✗ MISS |
Q3 2024 | Jul 24, 2024 | $0.51 | $0.58 | +13.7% | ✓ BEAT |
Q2 2024 | Apr 24, 2024 | $0.50 | $0.52 | +5.4% | ✓ BEAT |
Q1 2024 | Feb 24, 2024 | $0.52 | $0.12 | -77.5% | ✗ MISS |
Q4 2023 | Nov 3, 2023 | $0.44 | $0.40 | -9.1% | ✗ MISS |
Q3 2023 | Aug 4, 2023 | $0.63 | $0.55 | -12.6% | ✗ MISS |
Q2 2023 | May 5, 2023 | $0.69 | $0.54 | -22.5% | ✗ MISS |
Q1 2023 | Feb 25, 2023 | $0.83 | $0.76 | -8.0% | ✗ MISS |
Q4 2022 | Nov 4, 2022 | $0.75 | $0.76 | +0.9% | ✓ BEAT |
Q3 2022 | Aug 5, 2022 | — | $0.63 | — | — |
Q2 2022 | May 6, 2022 | — | $0.45 | — | — |
Q1 2022 | Feb 25, 2022 | — | $0.58 | — | — |
Q4 2021 | Nov 5, 2021 | — | $0.84 | — | — |
Q3 2021 | Aug 7, 2021 | — | $0.80 | — | — |
Latest News
United Community Banks Authorizes Repurchase Of Up To $100M
📈 PositiveUCB stock has given up its prior gain. United Community Banks shares were trading higher after the company reported better-than-expected Q3 financial results.
➖ NeutralUnited Community Banks shares are trading higher after the company reported better-than-expected Q3 financial results.
📈 PositiveUnited Community Banks Q3 Adj. EPS $0.75 Beats $0.70 Estimate, Sales $276.848M Beat $271.105M Estimate
📈 PositiveFrequently Asked Questions about UCB
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