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United Community Banks UCB Q1 2026 earnings

Reported April 21, 2026 · Before market open

Revenue$276.5MBeat by $2.6M
EPS$0.70Miss by $0.01
Revenue estimate$273.9M
EPS estimate$0.71

Next report

Oct 21, 2026 (in a month)
Revenue estimate$282.5M
EPS estimate$0.77

Financials

Q1 2026

Income statement

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Revenue$276.5M+11.6%
Net income$84.3M+18.0%
EPS (diluted)$0.69+19.0%

Balance sheet

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Cash & equivalents$493.1M-22.5%
Total debt$120.5M-52.6%
Total equity$3.7B+4.4%
Total assets$28.2B+1.1%

Cash flow

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Operating cash flow$69.3M-29.8%
CapEx$6.9M+60.5%
Free cash flow$62.4M-33.9%

Valuation & ratios

Valuation

as of 03/31/26
See full
Market cap$3.77B+12.1%
Enterprise value$3.39B+14.0%
P/E11×-1.8×
P/S3.4×0.0×

Profitability

See full
Net margin31.2%+4.0pp
FCF margin29.7%-4.0pp

Returns & leverage

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Return on equity9.5%+1.8pp
Debt / equity0×0.0×

FAQ

When did United Community Banks report Q1 2026 earnings?
United Community Banks (UCB) reported Q1 2026 earnings on April 21, 2026 before market open.
What were United Community Banks's Q1 2026 revenue and EPS?
United Community Banks reported revenue of $276.5M and eps of $0.70 for Q1 2026.
Did United Community Banks beat estimates in Q1 2026?
Revenue beat the consensus estimate of $273.9M by $2.6M. EPS missed the consensus estimate of $0.71 by $0.01.
Where can I find United Community Banks's Q1 2026 SEC filings?
You can read the 8-K earnings release (0001104659-26-045707) and the 10-Q periodic report (0000857855-26-000017) directly on SEC EDGAR. The filing index links above go to sec.gov.