Skip to content
Screener

United Community Banks UCB Q2 2026 earnings

Reported July 21, 2026 · Before market open

Revenue$279.3MMiss by $854.7K
EPS$0.71Miss by $0.10
Revenue estimate$280.1M
EPS estimate$0.81
“Our second quarter results reflect strong loan growth and a strategic emphasis on our core banking business. Our loan portfolio grew $332 million in the second quarter, an annualized rate of 6.8%, reflecting the demographic strength of our geographic footprint and the diligence of our bankers. Excluding the sale of our Navitas equipment finance business, which is expected to close in the third quarter, per a previously announced agreement, we had over $1 billion in loan production and grew loans 6.4%, annualized. We further widened our net interest margin, which is up for the sixth consecutive quarter, while maintaining our focus on disciplined relationship pricing.”
Lynn Harton

Next report

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

Financials

Q2 2026

Income statement

See full
Revenue$279.3M+7.3%
Net income$115.6M+46.9%
EPS (diluted)$0.95+50.8%

Balance sheet

See full
Cash & equivalents$455.1M-20.8%
Total debt$380.6M+145%
Total equity$3.7B+3.7%
Total assets$29.1B+3.4%

Valuation & ratios

Valuation

as of 09/16/26
See full
Market cap$4.26B+12.3%
Enterprise value$4.19B+24.0%
P/E11.3×-2.6×
P/S3.8×-0.1×

Profitability

See full
Net margin34%+6.0pp

Returns & leverage

See full
Return on equity10.3%+2.4pp
Debt / equity0.1×+0.1×

FAQ

When did United Community Banks report Q2 2026 earnings?
United Community Banks (UCB) reported Q2 2026 earnings on July 21, 2026 before market open.
What were United Community Banks's Q2 2026 revenue and EPS?
United Community Banks reported revenue of $279.3M and eps of $0.71 for Q2 2026.
Did United Community Banks beat estimates in Q2 2026?
Revenue missed the consensus estimate of $280.1M by $854.7K. EPS missed the consensus estimate of $0.81 by $0.10.
How did United Community Banks's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 9.8% from $254.3M a year earlier and eps grew 7.6% from $0.66.
Where can I find United Community Banks's Q2 2026 SEC filings?
You can read the 8-K earnings release (0001104659-26-085229) and the 10-Q periodic report (0000857855-26-000076) directly on SEC EDGAR. The filing index links above go to sec.gov.