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United Community Banks UCB Q2 2025 earnings

Reported July 23, 2025 · Before market open

Revenue$254.3MMiss by $16.8M
EPS$0.66Beat by $0.04
Revenue estimate$271.1M
EPS estimate$0.62

Next report

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

Financials

Q2 2025

Income statement

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Revenue$260.2M+6.1%
Net income$78.7M+18.2%
EPS (diluted)$0.63+16.7%

Balance sheet

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Cash & equivalents$575.0M+2.1%
Total debt$155.1M-52.2%
Total equity$3.6B+8.1%
Total assets$28.1B+3.8%

Cash flow

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Operating cash flow$96.8M-7.9%
CapEx$12.1M-32.1%
Free cash flow$84.7M-2.9%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$3.53B—
Enterprise value$3.11B—
P/E12.9×—
P/S3.6×—

Profitability

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Net margin28%+7.7pp
FCF margin32.9%+7.2pp

Returns & leverage

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Return on equity7.9%+1.9pp
Debt / equity0×-0.1×

FAQ

When did United Community Banks report Q2 2025 earnings?
United Community Banks (UCB) reported Q2 2025 earnings on July 23, 2025 before market open.
What were United Community Banks's Q2 2025 revenue and EPS?
United Community Banks reported revenue of $254.3M and eps of $0.66 for Q2 2025.
Did United Community Banks beat estimates in Q2 2025?
Revenue missed the consensus estimate of $271.1M by $16.8M. EPS beat the consensus estimate of $0.62 by $0.04.
How did United Community Banks's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 5.8% from $240.4M a year earlier and eps grew 13.8% from $0.58.
Where can I find United Community Banks's Q2 2025 SEC filings?
You can read the 8-K earnings release (0001104659-25-069783) and the 10-Q periodic report (0000857855-25-000131) directly on SEC EDGAR. The filing index links above go to sec.gov.