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United Community Banks, Inc.

UCB Finance Major Banks
$36.91
▲ +3.0% Today
as of Oct 23, 14:36 ET
Last 30 days +4.42% Sep 14 → Oct 23
$32.83 $34.01 $35.19 $36.38 $37.56 Sep 14 Sep 22 Sep 30 Oct 07 Oct 15 Oct 23
Open
$35.65
High
$37.23
Low
$35.66
Volume
$2M
Avg Vol
$867,137
Mkt Cap
$4.0B
P/E (TTM)
14.57
Beta
—
52w High
$37.23
52w Low
$28.65
Div Yield
—
Shares Out
$120M

Recent Press Releases & News last 60 days · 25 items

Oct 22 · 21:21 Motley Fool
United Community Banks: 3 Key Takeaways for Long-Term Investors
Oct 22 · 15:00 Zacks
United Community Banks (UCB) Upgraded to Strong Buy: Here's What You Should Know
Oct 21 · 05:15 Simply Wall St.
United Community Banks (UCB) Stock Rallies As Q3 Results Shift Focus To Redeployment
▸ Show all 25 press releases & news Free account →

UCB earnings at a glance

The options market is pricing a move of about ±7.7% after the report, a range of roughly $34.05 to $39.77 from today's $36.91. Over its last 6 reports the stock rose the next day 3 times and fell 3, moving ±2.9% on average; after the most recent report on Jul 21, 2026 it moved -1.9%. That means options currently expect more movement than UCB has typically delivered. UCB beat the consensus EPS estimate in 3 of its last 6 reported quarters. Implied volatility is currently 66%. The share price of $36.91 sits near its 52-week high.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$29
$37
96% of range
Avg surprise (last 6)
+0.6%
Avg reaction (last 6)
+1.0%
50% positive
Latest IV / EM
66%
EM ±7.7% · $35 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.38$0.48$0.59$0.70$0.80 Actual $0.52Actual $0.53Actual $0.39Actual $0.51Actual $0.54Actual $0.38Actual $0.59Est $0.56Actual $0.66Est $0.62Actual $0.75Est $0.70Actual $0.71Est $0.73Actual $0.70Est $0.71Actual $0.71Est $0.80 MarJunSepMarJunSepMar/2025Jun/2025Sep/20258K8KJun/2026
Revenue vs Net Income Revenue Net income
$0$73M$147M$220M$293M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Tue Jul 21, 2026Jun/2026 $0.71 $0.80 -11.2% +21.2% -1.9% earnings
Tue Apr 21, 20268K 2026-04-21 $0.70 $0.71 -1.4% — -3.3% earnings
Wed Jan 14, 20268K 2026-01-14 $0.71 $0.73 -2.7% — +2.8% earnings
Wed Oct 22, 2025Sep/2025 $0.75 $0.70 +7.1% — -0.5% earnings
Wed Jul 23, 2025Jun/2025 $0.66 $0.62 +6.5% — +2.1% earnings
Tue Apr 22, 2025Mar/2025 $0.59 $0.56 +5.4% — +6.9% earnings
Mon Sep 30, 2024Sep 2024 $0.38 — — — — financials
Sun Jun 30, 2024Jun 2024 $0.54 — — — — financials
Sun Mar 31, 2024Mar 2024 $0.51 — — — — financials
Sat Sep 30, 2023Sep 2023 $0.39 — — — — financials
Fri Jun 30, 2023Jun 2023 $0.53 — — — — financials
Fri Mar 31, 2023Mar 2023 $0.52 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue$279M$277M—$277M$260M$248M—$217M
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$116M$84M—$91M$79M$71M—$47M
EPS (diluted)$0.95$0.69—$0.70$0.63$0.58—$0.38

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents————————
Inventory————————
Total current assets————————
Total assets$29.05B$28.18B$28.00B$28.14B$28.09B$27.87B$27.72B$27.37B
Long-term debt$21M$120M$120M$155M$155M$254M—$316M
Total liabilities$25.31B$24.52B$24.36B$24.55B$24.47B$24.37B$24.29B$23.97B
Total equity$3.75B$3.65B$3.64B$3.60B$3.61B$3.50B$3.43B$3.41B

Implied volatility — last 90 days

21%110%200%289%378% Jun 07 — IV 108% · EM ±15.0%Jun 08 — IV 76% · EM ±10.1%Jun 09 — IV 140% · EM ±17.5%Jun 10 — IV 126% · EM ±14.9%Jun 11 — IV 139% · EM ±15.3%Jun 12 — IV 89% · EM ±9.1%Jun 15 — IV 200% · EM ±14.5%Jun 16 — IV 247% · EM ±14.6%Jun 17 — IV 379% · EM ±15.8%Jun 19 — IV 44% · EM ±9.7%Jun 22 — IV 42% · EM ±8.8%Jun 23 — IV 71% · EM ±14.5%Jun 24 — IV 70% · EM ±14.0%Jun 25 — IV 71% · EM ±13.8%Jun 26 — IV 71% · EM ±13.6%Jun 29 — IV 75% · EM ±13.2%Jun 30 — IV 80% · EM ±13.8%Jul 01 — IV 81% · EM ±13.5%Jul 02 — IV 83% · EM ±13.4%Jul 03 — IV 86% · EM ±13.4%Jul 06 — IV 88% · EM ±12.2%Jul 07 — IV 82% · EM ±10.8%Jul 08 — IV 107% · EM ±13.4%Jul 09 — IV 79% · EM ±9.4%Jul 10 — IV 121% · EM ±13.4%Jul 13 — IV 167% · EM ±13.9%Jul 14 — IV 184% · EM ±13.3%Jul 15 — IV 228% · EM ±13.5%Jul 16 — IV 294% · EM ±12.3%Jul 20 — IV 54% · EM ±12.8%Jul 21 — IV 57% · EM ±13.2%Jul 22 — IV 61% · EM ±13.9%Jul 23 — IV 42% · EM ±9.5%Jul 24 — IV 25% · EM ±5.5%Jul 27 — IV 66% · EM ±13.8%Jul 28 — IV 65% · EM ±13.3%Jul 29 — IV 66% · EM ±13.3%Aug 03 — IV 79% · EM ±14.0%Aug 04 — IV 79% · EM ±13.6%Aug 05 — IV 83% · EM ±13.8%Aug 06 — IV 55% · EM ±9.0%Aug 07 — IV 88% · EM ±13.8%Aug 10 — IV 102% · EM ±14.2%Aug 11 — IV 53% · EM ±7.1%Aug 12 — IV 104% · EM ±13.0%Aug 13 — IV 119% · EM ±14.0%Aug 14 — IV 97% · EM ±10.7%Aug 17 — IV 162% · EM ±13.5%Aug 18 — IV 180% · EM ±13.0%Aug 19 — IV 99% · EM ±5.9%Aug 20 — IV 138% · EM ±5.8%Aug 24 — IV 64% · EM ±13.4%Aug 25 — IV 70% · EM ±14.2%Aug 26 — IV 66% · EM ±13.2%Aug 27 — IV 28% · EM ±5.5%Aug 28 — IV 52% · EM ±9.9%Aug 31 — IV 53% · EM ±9.4%Sep 01 — IV 52% · EM ±8.9%Sep 02 — IV 56% · EM ±9.4%Sep 03 — IV 26% · EM ±4.2%Sep 04 — IV 62% · EM ±9.6%Sep 07 — IV 69% · EM ±9.6%Sep 08 — IV 46% · EM ±6.0%Sep 09 — IV 71% · EM ±8.8%Sep 10 — IV 72% · EM ±8.5%Sep 11 — IV 77% · EM ±8.5%Sep 14 — IV 101% · EM ±8.4%Sep 15 — IV 110% · EM ±8.0%Sep 16 — IV 121% · EM ±7.2%Sep 17 — IV 171% · EM ±7.1%Sep 21 — IV 70% · EM ±14.6%Sep 22 — IV 21% · EM ±4.4%Sep 23 — IV 69% · EM ±13.9%Sep 24 — IV 70% · EM ±13.8%Sep 25 — IV 76% · EM ±14.5%Sep 28 — IV 82% · EM ±14.6%Sep 29 — IV 84% · EM ±14.6%Sep 30 — IV 90% · EM ±15.0%Oct 01 — IV 93% · EM ±15.1%Oct 02 — IV 93% · EM ±14.5%Oct 05 — IV 105% · EM ±14.5%Oct 06 — IV 113% · EM ±15.0%Oct 07 — IV 124% · EM ±15.5%Oct 08 — IV 66% · EM ±7.7%

Sector peers

FBP
First BanCorp.
$4.0B $27.50+0.6%
TCBI
Texas Capital Bancshares, Inc.
$4.0B $100.92+8.0%
CATY
Cathay General Bancorp
$3.9B $64.39+6.2%
SFBS
ServisFirst Bancshares, Inc.
$4.2B $41.16+3.5%
WSFS
WSFS Financial Corporation
$3.8B $78.94+2.8%
FULT
Fulton Financial Corporation
$4.2B $23.71+5.2%

UCB earnings FAQ

What is UCB's expected move for earnings?

Options currently price a move of about ±7.7%, or $2.86 per share either way from $36.91.

How does UCB stock usually react to earnings?

Across the last 6 reports the average next-day move was ±2.9%, up 3 times and down 3 times.

What is UCB's implied volatility?

UCB's at-the-money implied volatility is about 66% based on the latest options snapshot.

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