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United Community Banks UCB Q3 2025 earnings

Reported October 22, 2025 · Before market open

Revenue$276.8MBeat by $5.9M
EPS$0.75Beat by $0.05
Revenue estimate$271.0M
EPS estimate$0.70

Next report

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

Financials

Q3 2025

Income statement

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Revenue$276.8M+27.4%
Net income$91.5M+93.2%
EPS (diluted)$0.70+84.2%

Balance sheet

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Cash & equivalents$613.4M-17.1%
Total debt$155.3M-50.9%
Total equity$3.6B+5.6%
Total assets$28.1B+2.8%

Cash flow

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Operating cash flow$123.1M+1,490%
CapEx$5.4M-45.8%
Free cash flow$117.7M—

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$3.81B—
Enterprise value$3.35B—
P/E12×—
P/S3.7×—

Profitability

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Net margin30.7%+10.7pp
FCF margin42.4%+24.6pp

Returns & leverage

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Return on equity9.1%+3.3pp
Debt / equity0×0.0×

FAQ

When did United Community Banks report Q3 2025 earnings?
United Community Banks (UCB) reported Q3 2025 earnings on October 22, 2025 before market open.
What were United Community Banks's Q3 2025 revenue and EPS?
United Community Banks reported revenue of $276.8M and eps of $0.75 for Q3 2025.
Did United Community Banks beat estimates in Q3 2025?
Revenue beat the consensus estimate of $271.0M by $5.9M. EPS beat the consensus estimate of $0.70 by $0.05.
How did United Community Banks's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 31.4% from $210.6M a year earlier and eps grew 31.6% from $0.57.
Where can I find United Community Banks's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001104659-25-101399) and the 10-Q periodic report (0000857855-25-000164) directly on SEC EDGAR. The filing index links above go to sec.gov.