United Community Banks, Inc.
UCBNYSEFinancial Services● Active
$33.39
+$0.05(+0.13%)
Market Cap$4.0B
P/E Ratio—
52W High$36.77
52W Low$27.23
United Community Banks, Inc. (UCB) Earnings: Dates, EPS & Revenue History
Quarterly EPS vs. estimates, revenue surprises, next earnings date, and analyst consensus.
UCB · earnings · updated Jun 8, 2026
Latest Earnings
Q2 FY2026Report Date: Apr 21, 2026EPS Actual
$0.70
Est. $0.71 · -1.4%
Revenue
$0.28B
Est. $0.27B · +1.0%
Fiscal Period
Q2 FY2026
FY ends December
Report Date
Apr 21, 2026
After Market Close
▼ Miss EPS
UCB reports quarterly as a NYSE-listed Banks - Regional company. Fiscal year ends in December. Data: FMP · Updated hourly.
Next Earnings Date
Days Away
85
days
Expected Date
Sep 1, 2026
Fiscal Period
Q3 FY2026
Release Time
◌ Time TBD (Unconfirmed)EPS Est.
—
Days Away85
Expected DateSep 1, 2026
Fiscal PeriodQ3 FY2026
Release TimeTime TBD (Unconfirmed)
EPS Est.—
EPS & Revenue vs. Estimates
Actual (Beat)
Actual (Miss)
Estimated
Earnings History
| Period | Report Date | EPS Est. | EPS Actual | EPS Surpr. | Revenue | Rev. Est. | Rev. Surpr. |
|---|---|---|---|---|---|---|---|
| ◌ Q3 FY2026 | Jul 22, 2026 | $0.73 | — | — | — | $0.28B | — |
| ▼ Q2 FY2026 | Apr 21, 2026 | $0.71 | $0.70 | -1.4% | $0.28B | $0.27B | +1.0% |
| ▼ Q1 FY2026 | Jan 14, 2026 | $0.73 | $0.71 | -2.7% | $0.28B | $0.27B | +1.8% |
| ▲ Q4 FY2025 | Oct 22, 2025 | $0.70 | $0.75 | +7.8% | $0.28B | $0.27B | +2.2% |
| ▲ Q3 FY2025 | Jul 23, 2025 | $0.62 | $0.66 | +6.5% | $0.25B | $0.27B | -6.2% |
| ▲ Q2 FY2025 | Apr 22, 2025 | $0.56 | $0.59 | +5.4% | $0.24B | $0.26B | -6.8% |
| ▲ Q1 FY2025 | Jan 22, 2025 | $0.55 | $0.63 | +14.6% | $0.25B | $0.25B | -0.2% |
| ▼ Q4 FY2024 | Oct 23, 2024 | $0.58 | $0.57 | -1.4% | $0.21B | $0.24B | -12.8% |
Q3 FY2026
Jul 22, 2026
EPS Actual
—
EPS Est.
$0.73
EPS Surpr.
—
Revenue
—
Q2 FY2026
Apr 21, 2026Miss
EPS Actual
$0.70
EPS Est.
$0.71
EPS Surpr.
-1.4%
Revenue
$0.28B
Q1 FY2026
Jan 14, 2026Miss
EPS Actual
$0.71
EPS Est.
$0.73
EPS Surpr.
-2.7%
Revenue
$0.28B
Q4 FY2025
Oct 22, 2025Beat
EPS Actual
$0.75
EPS Est.
$0.70
EPS Surpr.
+7.8%
Revenue
$0.28B
Q3 FY2025
Jul 23, 2025Beat
EPS Actual
$0.66
EPS Est.
$0.62
EPS Surpr.
+6.5%
Revenue
$0.25B
Q2 FY2025
Apr 22, 2025Beat
EPS Actual
$0.59
EPS Est.
$0.56
EPS Surpr.
+5.4%
Revenue
$0.24B
Q1 FY2025
Jan 22, 2025Beat
EPS Actual
$0.63
EPS Est.
$0.55
EPS Surpr.
+14.6%
Revenue
$0.25B
Q4 FY2024
Oct 23, 2024Miss
EPS Actual
$0.57
EPS Est.
$0.58
EPS Surpr.
-1.4%
Revenue
$0.21B
Analyst Estimates
Limited analyst coverage (fewer than 3 analysts). Estimates may not reflect market consensus.
EPS Estimates
| Period | Low | Consensus | High | # Analysts |
|---|---|---|---|---|
| Q4 FY2027 | $0.85 | $0.86 | $0.87 | 2 |
| Q3 FY2027 | $0.85 | $0.86 | $0.87 | 1 |
| Q2 FY2027 | $0.81 | $0.82 | $0.82 | 1 |
| Q1 FY2027 | $0.77 | $0.78 | $0.78 | 2 |
| Q4 FY2026 | $0.78 | $0.79 | $0.80 | 2 |
| Q3 FY2026 | $0.76 | $0.77 | $0.78 | 4 |
Revenue Estimates
| Period | Low | Consensus | High | # Analysts |
|---|---|---|---|---|
| Q4 FY2027 | $0.3B | $0.3B | $0.3B | 1 |
| Q3 FY2027 | $0.3B | $0.3B | $0.3B | 2 |
| Q2 FY2027 | $0.3B | $0.3B | $0.3B | 2 |
| Q1 FY2027 | $0.3B | $0.3B | $0.3B | 1 |
| Q4 FY2026 | $0.3B | $0.3B | $0.3B | 2 |
| Q3 FY2026 | $0.3B | $0.3B | $0.3B | 3 |
Earnings Price Reaction
Closing price one trading day before vs. one trading day after each earnings release.
| Period | Report Date | EPS Beat/Miss | Price Before | Price After | 1D Reaction |
|---|---|---|---|---|---|
| ▼ Q2 FY2026 | Apr 21, 2026 | -1.4% | $34.31 | $33.18 | -3.29% |
| ▼ Q1 FY2026 | Jan 14, 2026 | -2.7% | $32.48 | $33.39 | +2.80% |
| ▲ Q4 FY2025 | Oct 22, 2025 | +7.8% | $30.22 | $30.06 | -0.53% |
| ▲ Q3 FY2025 | Jul 23, 2025 | +6.5% | $31.27 | $31.93 | +2.11% |
| ▲ Q2 FY2025 | Apr 22, 2025 | +5.4% | $24.58 | $26.27 | +6.88% |
| ▲ Q1 FY2025 | Jan 22, 2025 | +14.6% | $33.25 | $32.95 | -0.90% |
| ▼ Q4 FY2024 | Oct 23, 2024 | -1.4% | $28.67 | $28.20 | -1.64% |
| ▲ Q3 FY2024 | Jul 24, 2024 | +13.7% | $29.93 | $30.05 | +0.40% |
Q2 FY2026-3.29%
Report Date
Apr 21, 2026
EPS Beat/Miss
-1.4%
Price Before
$34.31
Price After
$33.18
Q1 FY2026+2.80%
Report Date
Jan 14, 2026
EPS Beat/Miss
-2.7%
Price Before
$32.48
Price After
$33.39
Q4 FY2025-0.53%
Report Date
Oct 22, 2025
EPS Beat/Miss
+7.8%
Price Before
$30.22
Price After
$30.06
Q3 FY2025+2.11%
Report Date
Jul 23, 2025
EPS Beat/Miss
+6.5%
Price Before
$31.27
Price After
$31.93
Q2 FY2025+6.88%
Report Date
Apr 22, 2025
EPS Beat/Miss
+5.4%
Price Before
$24.58
Price After
$26.27
Q1 FY2025-0.90%
Report Date
Jan 22, 2025
EPS Beat/Miss
+14.6%
Price Before
$33.25
Price After
$32.95
Q4 FY2024-1.64%
Report Date
Oct 23, 2024
EPS Beat/Miss
-1.4%
Price Before
$28.67
Price After
$28.20
Q3 FY2024+0.40%
Report Date
Jul 24, 2024
EPS Beat/Miss
+13.7%
Price Before
$29.93
Price After
$30.05
Avg Beat Reaction+1.59%
Avg Miss Reaction-0.71%
Beat Rate5 / 8 quarters
Largest Move+6.88% (Q2 FY2025)
Data: FMP /historical-price-eod/full · field: close
About Earnings & Data Methodology
Data source: Financial Modeling Prep (FMP) | Updated: Hourly | Surprise%: (Actual − Estimate) / |Estimate| × 100 | Fiscal year: UCB ends December
United Community Banks, Inc. (UCB) most recently reported earnings on April 21, 2026 for Q2 FY2026, posting EPS of $0.70 — missing the analyst consensus of $0.71 by -1.4%. The next UCB earnings date is expected around September 1, 2026.
Each quarter, investors track UCB earnings for signals on forward guidance and business momentum. For longer-term revenue trends, see the Revenue tab. UCB revenue tab →
Earnings Glossary
EPS (Earnings Per Share)
Net income ÷ diluted shares outstanding. The primary metric analysts use to gauge quarterly profitability.
Earnings Surprise %
(Actual − Estimate) / |Estimate| × 100. Positive = Beat. Negative = Miss.
Beat / Miss / In-Line
Beat = Actual ≥ Estimate. Miss = Actual < Estimate. In-Line = within ±1%.
BMO / AMC
Before Market Open / After Market Close. Two windows when companies typically release results.
Fiscal Quarter
UCB's fiscal year ends in December. Fiscal quarters may not align with calendar quarters.
Analyst Consensus
Average EPS/Revenue forecast across all covering analysts. More analysts = more reliable estimate.
Figures tie to FMP earnings calendar, estimates, and SEC 10-Q/10-K filings where noted.
Frequently asked questions
UCB earnings · 5 questionsUnited Community Banks, Inc.'s next earnings report is expected around September 1, 2026. UCB typically reports quarterly — approximately every three months. The exact date is confirmed by the company 2–4 weeks before the release. Time is currently TBD; UCB historically reports after market close (AMC).
UCB earnings datewhen is UCB earningsUCB next earnings datewhen does UCB report earningsUCB earnings calendar
▸ Source: FMP · United Community Banks, Inc. SEC filings · US GAAP · United Community Banks, Inc. SEC 10-K & 10-Q filings · US GAAP · Updated: Jun 8, 2026