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United Community Banks (UCB) Reports Q3 Earnings: What Key Metrics Have to Say
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For the quarter ended September 2026, United Community Banks (UCB - Free Report) reported revenue of $354.14 million, up 27.9% over the same period last year. EPS came in at $0.77, compared to $0.75 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $281.1 million, representing a surprise of +25.98%. The company has not delivered EPS surprise, with the consensus EPS estimate being $0.77.
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.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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:
Efficiency ratio - Operating: 53.1% versus the five-analyst average estimate of 54.7%.
Net interest margin (FTE): 3.7% versus 3.6% estimated by five analysts on average.
Net charge-offs to average loans: 0.1% versus the four-analyst average estimate of 0.1%.
Total nonperforming assets: $81.27 million versus $99.39 million estimated by three analysts on average.
Average Balance - Total interest-earning assets (FTE): $27.19 billion versus $27.03 billion estimated by three analysts on average.
Total nonaccrual loans: $78.32 million versus the three-analyst average estimate of $97.27 million.
Total noninterest income: $102.93 million compared to the $38.58 million average estimate based on five analysts.
Net interest revenue (FTE): $252.53 million versus the four-analyst average estimate of $243.55 million.
Net interest revenue: $251.21 million versus $243.12 million estimated by four analysts on average.
Mortgage loan gains and other related fees: $10.71 million compared to the $6.66 million average estimate based on three analysts.
Lending and loan servicing fees: $3.33 million versus the three-analyst average estimate of $3.44 million.
Wealth management fees: $4.9 million compared to the $5.07 million average estimate based on three analysts.
Shares of United Community Banks have returned -2.3% over the past month versus the Zacks S&P 500 composite's +0.7% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
View the Zacks #1 Rank List
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United Community Banks (UCB) Reports Q3 Earnings: What Key Metrics Have to Say
For the quarter ended September 2026, United Community Banks (UCB - Free Report) reported revenue of $354.14 million, up 27.9% over the same period last year. EPS came in at $0.77, compared to $0.75 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $281.1 million, representing a surprise of +25.98%. The company has not delivered EPS surprise, with the consensus EPS estimate being $0.77.
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.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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 -2.3% over the past month versus the Zacks S&P 500 composite's +0.7% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.