📈 Price History

Ratio Health

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By Category

📊 Peer Medians

About

United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts. It also provides loans comprising owner occupied and income producing CRE, commercial and industrial, equipment financing, residential mortgage, home equity, manufactured housing, and consumer loans, as well as commercial and residential construction and land. In addition, the company offers private banking, investment management, investment advice, financial planning services, estate and retirement planning, and insurance products; non-deposit investment products and insurance products, such as life insurance, long-term care insurance and tax-deferred annuities; and trust services to manage fiduciary assets. Further, it provides reinsurance on property insurance contracts and payment processing services for commercial and small business customers. The company serves the commercial, retail, government, education, energy, health care, and real estate sectors. United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina.

Key Ratios Snapshot

📈 Growth Pattern

⚡ Latest Quarter —

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📊 Quick Scorecard

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⭐ Superinvestors Holding UCB

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Manager	Shares	Value	% of Fund	Period
Steve Cohen Point72 Asset Management	23.1K	$729K	0.00%	Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

🔍 Concall Decoded

🎙 Management Tone Tracker Confident Specific → Stable 4 quarters analysed

Q2 2025

Confident Specific

Management expressed solid growth with specific metrics: EPS up 14% YoY, NIM up 14 bps to 3.50%, and efficiency ratio improved 222 bps to 54.8%. CEO stated 'feel very optimistic about our outlook' and CFO said 'very pleased with our deposit performance'.

Q3 2025

Confident Specific

The CEO opened with 'the third quarter was a strong one for United' and cited specific metrics: revenue grew $16 million, EPS $0.75 (32% YoY improvement), ROA 1.33%, and ROTCE 13.6%. The CFO described being 'very pleased' with deposit performance and gave detailed forward guidance on margin, loan growth, and expense trajectory.

Q4 2025

Confident Specific

Lynn Harton opened with 'solid end to a great year' and cited specific metrics: 11% revenue growth, 4.4% annualized loan growth, $0.71 operating EPS (13% YoY improvement), ROA of 1.22%, and ROTCE of 13.3%. No defensive or hedging language was used.

Q1 2026 latest

Confident Specific

Lynn Harton opened with 'We had a great start to 2026' and highlighted specific metrics such as EPS $0.69, loan growth 4.5% annualized, and NIM expansion of 3 bps. Jefferson Harralson presented detailed numbers on deposit costs, buybacks, and Peach State accretion, reinforcing a tone of control and precision.

Guidance Reliability Pending · <3Q data

Investor Lens

The investment thesis appears stronger after this call. United delivered on core operating metrics—margin expansion, controlled expenses, and stable credit—while also announcing a small, in-market M&A deal that is immediately accretive. The aggressive share repurchase program (£37M in Q1) signals management's confidence in the stock's value. The integration of Peach State is low risk given its size, and the deal enhances deposit share in a fast-growing market. Key watch items for next quarter include: the pace of loan growth (5-6% target), NIM trajectory given flat deposit cost expectations, and expense discipline as new revenue producers ramp. The strength of capital (CET1 13.4%) provides ample flexibility for further buybacks or additional small acquisitions.

AI-generated concall tone analysis · Updated 2026-06-08 · Not investment advice

🎙 Management Tone Confident Specific → Stable 4 quarters Full tone analysis in Intelligence →

📊 MIXED Strong Q1 2026: Net income $84M, EPS $0.70, loan growth 4.5% annualized, Peach State acquisition.

Revenue & Profitability

First quarter 2026 net income was $84 million, with operating EPS of $0.70 (up 19% YoY). Operating return on assets was 122 basis points, operating return on tangible common equity was 13.1%, and tangible book value per share grew at an annualized rate of nearly 6%. Net interest margin expanded 3 basis points to 3.65%, customer deposits grew $237 million (4% annualized), and total net charge-offs were 22 basis points (10 basis points excluding Navitas). CET1 ratio was 13.4% and TCE ratio was 9.92%.

Outlook

Management expects net interest margin to increase 3–5 basis points in Q2 2026, supported by continued backbook repricing and mix shift toward loans. Loan growth is anticipated in the 5%–6% range assuming no macro disruptions. Deposit costs are expected to remain relatively flat given competitive pressures and the desire to grow deposits. The Fed remaining on pause is seen as neutral given a slightly asset-sensitive balance sheet.

Growth Drivers

Loan growth in Q1 was driven by HELOC and C&I categories, with strongest contributions from South Florida, South Carolina/Coastal Georgia, and North Florida. Commercial lines of business leading growth include middle market, asset-based lending, and Navitas. The bank added 10 net revenue producers in Q1 and targets 10% annual growth in revenue producers for 2026. The acquisition of Peach State Bank adds $788 million in assets and strengthens deposit share in a rapidly growing Atlanta MSA county.

Balance Sheet & CapEx

Not discussed in this earnings call.

Margins

Net interest margin expanded 3 basis points in Q1 to 3.65%, the fifth consecutive quarter of margin expansion. Management expects another 3–5 basis points of margin improvement in Q2, driven by $1.4 billion of assets repricing higher and continued mix shift from securities to loans. Deposit costs declined 9 basis points to 1.67%, with a cumulative deposit beta of 39%. Operating expenses were $151.6 million, relatively flat QoQ, with expense growth targeted at approximately 3.5% plus incremental costs from new hires.

Key Risks

Risks flagged in the call include potential economic volatility (though balance sheet is positioned with high capital and liquidity), interest rate sensitivity (balance sheet is slightly asset-sensitive), and competition for deposits. Credit quality is expected to remain stable but NPAs may fluctuate by 10 basis points up or down. The FDIC special assessment release of $1.9 million was a non-operating benefit related to past failures, but no new regulatory risks were highlighted.

Generated by AI · Q1 2026 results · Not investment advice

✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter

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📞 Earnings Call Transcripts (5)

Q2 2026 Q2 2026 2026-07-21

EPS rose 8% year-over-year to $0.71 (operating), with revenue up 7% and net interest margin expanding to 3.68%. Loan growth accelerated to 6.8% annualized, driven by new hires, while credit quality remained strong. Navitas sale and Peach State acquisition are on track for Q3.

Q1 2026 Q1 2026 2026-04-21

Q1 2026 saw strong earnings growth, margin expansion, and robust credit quality, with continued capital returns and the strategic acquisition of Peach State Bank expected to be accretive. Loan and deposit growth remain healthy, and AI investments are driving efficiency gains.

Q4 2025 Q4 2025 2026-01-14

Q4 delivered 11% revenue growth and 13% higher operating EPS year-over-year, with strong loan and deposit growth, margin expansion, and robust credit quality. The company plans to continue organic growth, maintain expense discipline, and be more assertive with share buybacks in 2026.

Q3 2025 Q3 2025 2025-10-22

Revenue and margin growth drove a strong quarter, with balanced loan growth across all regions and improved efficiency. Credit quality remains robust, capital ratios are strong, and management expects continued operating leverage and margin improvement into 2026.

Q2 2025 Q2 2025 2025-07-23

Earnings per share rose 14% year-over-year, with net interest margin up 14 basis points and strong loan growth. Credit quality improved, capital ratios remain robust, and the American National Bank acquisition was completed. Management is optimistic for continued growth and margin expansion.

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