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United Community Banks (UCB) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates
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For the quarter ended June 2026, United Community Banks (UCB - Free Report) reported revenue of $279.28 million, up 7.3% over the same period last year. EPS came in at $0.71, compared to $0.66 in the year-ago quarter.
The reported revenue represents a surprise of -0.84% over the Zacks Consensus Estimate of $281.63 million. With the consensus EPS estimate being $0.80, the EPS surprise was -11.25%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how United Community Banks performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Net interest margin (FTE): 3.7% versus 3.7% estimated by three analysts on average.
Efficiency ratio - Operating: 56.7% versus the three-analyst average estimate of 54.8%.
Total nonperforming assets: $103.39 million compared to the $100.02 million average estimate based on two analysts.
Average Balance - Total interest-earning assets (FTE): $26.4 billion versus $26.21 billion estimated by two analysts on average.
Net charge-offs to average loans: 0.2% versus the two-analyst average estimate of 0.2%.
Total nonaccrual loans: $92 million compared to the $97.7 million average estimate based on two analysts.
Net interest revenue: $240.9 million versus $240.36 million estimated by three analysts on average.
Total noninterest income: $38.38 million compared to the $41.28 million average estimate based on three analysts.
Net interest revenue (FTE): $242.12 million versus $241.12 million estimated by two analysts on average.
Shares of United Community Banks have returned +7.9% over the past month versus the Zacks S&P 500 composite's -0.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
View the Zacks #1 Rank List
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United Community Banks (UCB) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates
For the quarter ended June 2026, United Community Banks (UCB - Free Report) reported revenue of $279.28 million, up 7.3% over the same period last year. EPS came in at $0.71, compared to $0.66 in the year-ago quarter.
The reported revenue represents a surprise of -0.84% over the Zacks Consensus Estimate of $281.63 million. With the consensus EPS estimate being $0.80, the EPS surprise was -11.25%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how United Community Banks performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for United Community Banks here>>>
Shares of United Community Banks have returned +7.9% over the past month versus the Zacks S&P 500 composite's -0.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.