United Community Banks (UCB) earnings

UNITED COMMUNITY BANKS INC· Financials

Results to: Jun 2026
Latest analysed call: Sep 2026 (Q3 FY26)
Balance sheet to: Dec 2025

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United Community Banks earnings: last reported Tue, 20 Oct 2026, for the quarter ended Sep 2026.

Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

Metric	Value	Change	Basis	Period	Note
Revenue	279 $ million	+7.3% YoY	Quarterly, as filed	Quarter to Jun 2026	Revenue from operations as filed.
Operating margin	Unavailable	—	Operating profit / revenue	Quarter to Jun 2026	Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Net profit	116 $ million	+46.9% YoY	Quarterly, as filed	Quarter to Jun 2026	Profit after tax as filed.

Source: Inve data from filed results (SEC filings) · to Jun 2026

Guidance

What management said, and what became of it

12 of 12 judged targets kept · 14 open · verdicts reflect calls analysed to Jun 2026.

UNITED COMMUNITY BANKS INC management guidance track record on Inve: 26 targets tracked across analysed earnings calls (12 achieved, 0 missed, 14 open).

Target	Original wording	Said	Latest call	Verdict
Net interest margin - quarterly guidance	3 to 5 basis points of margin expansion	Mar 2026	Jun 2026:Our net interest margin increased 3 basis points to 3.68% compared to last quarter Call transcript, Jun 2026 · no direct link	Achieved
Full-year core net charge-off rate (bps)	20 to 25 basis points core net charge-off rate	Dec 2025	Jun 2026:it's really been between 8 and 13 basis points net charge-offs for the bank excluding Navitas -- last 2 years have been 12 basis points Call transcript, Jun 2026 · no direct link	Pending

Source: Inve Guidance Tracker for UNITED COMMUNITY BANKS INC · to Jun 2026

A verdict describes what became of management’s own words in later analysed calls. “Delayed” is a change of date, “went quiet” a target the calls stopped mentioning. None of it is a judgement on the investment. The methodology sets out how verdicts are recorded.

14 of UNITED COMMUNITY BANKS INC's 26 targets are still open. See which are on track and which have gone quiet. The 2 above are the free sample; 24 more targets are in the full ledger.

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Price

$36.99 −0.64% · −$0.24

Last close Oct 23, 2026 · US · USD · Source: Inve

Performance +23.1% 1Y

1Y: $30.06 on 22 Oct 2025 → $36.99. High $37.23 (22 Oct 2026), low $28.94 (17 Nov 2025).

Previous close: $37.23
52-week range: $28.94 – $37.23
One year: +23.88%

Overview

Symbol: UCB
Sector: Financials
Exchange: US
Currency: USD

Guidance

What management said, and what became of it

12 of 12 judged targets kept · 14 open · verdicts reflect calls analysed to Jun 2026.

UNITED COMMUNITY BANKS INC management guidance track record on Inve: 26 targets tracked across analysed earnings calls (12 achieved, 0 missed, 14 open).

Target	Original wording	Said	Latest call	Verdict
Net interest margin - quarterly guidance	3 to 5 basis points of margin expansion	Mar 2026	Jun 2026:Our net interest margin increased 3 basis points to 3.68% compared to last quarter Call transcript, Jun 2026 · no direct link	Achieved
Full-year core net charge-off rate (bps)	20 to 25 basis points core net charge-off rate	Dec 2025	Jun 2026:it's really been between 8 and 13 basis points net charge-offs for the bank excluding Navitas -- last 2 years have been 12 basis points Call transcript, Jun 2026 · no direct link	Pending

Source: Inve Guidance Tracker for UNITED COMMUNITY BANKS INC · to Jun 2026

The full ledger

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Financials

What the filings say

Net profit, year on year: +47% (quarter to jun 2026 against jun 2025).

In $ million. Oldest period first.

Line item	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales	217	239	248	260	277	278	277	279
Profit before tax	60	96	91	101	118	113	108	149
Tax rate	20.8%	21.4%	21.7%	21.7%	22.5%	23.3%	22.2%	22.5%
Net profit	47	76	71	79	91	86	84	116
EPS ($ per share)	0.38	—	0.58	0.63	0.71	—	0.69	0.95

Source: Inve data · income statement, quarterly · to Jun 2026

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Equity capital	79	79	87	89	106	119	119	121
Reserves	-90	40	137	331	509	581	714	914
Total liabilities	11,116	11,280	15,787	18,725	21,308	24,036	24,288	24,364
Fixed assets	206	216	218	245	298	378	394	394
Total assets	12,573	12,916	17,794	20,947	24,009	27,297	27,720	28,003

Source: Inve data · balance sheet · to Dec 2025

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from operations	270	154	159	359	607	294	350	384
Cash from investing	-359	163	-1,581	-1,806	-2,020	-163	-991	33
Cash from financing	102	-129	2,515	2,157	-259	226	157	-542
Net cash flow	13	188	1,093	710	-1,672	357	-484	-124
Capital expenditure	-18	-21	-18	-26	-43	-72	-47	-28
Free cash flow	252	133	140	333	565	221	303	356

Source: Inve data · cash flow · to Dec 2025

UCB operating KPIs by quarter

UCB operating KPIs stated on its earnings calls, by fiscal quarter
KPI	Mar 2026 Q1 FY26	Jun 2026 Q2 FY26	Change vs prior quarter
Common equity tier 1 ratio (CET1)	13.4% Our CET1 ratio was flat at 13.4% and remains a source of strength for the bank. Source: earnings call transcript	13.5% Our CET1 ratio was relatively flat at 13.5% and remains a source of strength for the bank. Source: earnings call transcript	+0.1 pt
Net interest margin	3.65% Our net interest margin increased 3 basis points in the quarter to 3.65% and up 29 basis points compared to last year, and the first quarter is the fifth quarter in a row of margin expansion. Source: earnings call transcript	3.68% Our net interest margin reached 3.68%, up 18 basis points over last year and up 3 basis points from last quarter. Source: earnings call transcript	0 pt

Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.

Insider filings

76 filings between Oct 30, 2025 and Sep 8, 2026.

Open market

decisions to buy or sell

Purchases

$74.3K

1 purchase by 1 insider

Sales

$2.33M

7 sales by 4 insiders

Compensation

not trading decisions

30: Award — granted as compensation
19: Tax withheld — shares kept back by the company to cover tax

Also filed: 19 gifts.

Who traded

open market only

Insider	Bought	Sold	Last filing
HARRALSON JEFFERSON L	—	$885.3K	Jul 28, 2026
HARTON H LYNN	—	$865.9K	Feb 18, 2026
KUMLER ALAN H	—	$425.8K	Jan 23, 2026
BRADSHAW RICHARD	—	$149.8K	Jul 27, 2026
Carande Carl Steven	$74.3K	—	Aug 10, 2026

Latest filings (50)

Date	Insider	What	Shares	Value
Sep 8, 2026	Speir Thomas Hardaway EVP, CFO	Award	12,752	$0
Sep 1, 2026	KUMLER ALAN H SVP, Chief Accounting Officer	Award	2,932	$0
Aug 15, 2026	KUMLER ALAN H SVP, Chief Accounting Officer	Tax withheld	514	$18.9K
Aug 10, 2026	Carande Carl Steven Director	Purchase	2,101	$74.3K
Aug 1, 2026	Carande Carl Steven Director	Award	1,588	$0
Jul 29, 2026	EDWARDS ROBERT A. EVP, Chief Risk Officer	Gift	1,500	$0
Jul 28, 2026	HARRALSON JEFFERSON L EVP, CFO	Sale	25,000	$885.2K
Jul 27, 2026	BRADSHAW RICHARD EVP, Chief Banking Officer	Sale	2	$70
Jul 27, 2026	BRADSHAW RICHARD EVP, Chief Banking Officer	Sale	1,422	$49.9K
Jul 24, 2026	RICHLOVSKY THOMAS A Director	Gift	2,526	$0
Jul 24, 2026	DANIELS KENNETH L Director	Gift	2,526	$0
Jul 24, 2026	RICHLOVSKY THOMAS A Director	Gift	2,526	$0
Jul 24, 2026	Bazante Jennifer M. Director	Gift	2,526	$0
Jul 24, 2026	JAMES JOHN MARC Director	Gift	2,526	$0
Jul 24, 2026	Bazante Jennifer M. Director	Gift	2,526	$0
Jul 24, 2026	JAMES JOHN MARC Director	Gift	2,526	$0
Jul 24, 2026	DANIELS KENNETH L Director	Gift	2,526	$0
May 15, 2026	KUMLER ALAN H SVP, Chief Accounting Officer	Tax withheld	113	$3.6K
May 13, 2026	WILKINS DAVID H Director	Award	2,330	$0
May 13, 2026	Bazante Jennifer M. Director	Award	2,330	$0
May 13, 2026	Davis Sally Pope Director	Award	2,330	$0
May 13, 2026	JAMES JOHN MARC Director	Award	2,330	$0
May 13, 2026	BELL GEORGE B. Director	Award	2,330	$0
May 13, 2026	DANIELS KENNETH L Director	Award	2,330	$0
May 13, 2026	Drummond Lance F. Director	Award	2,330	$0
May 13, 2026	CLEMENTS JAMES P Director	Award	2,330	$0
May 13, 2026	RICHLOVSKY THOMAS A Director	Award	2,330	$0
May 13, 2026	WALLIS TIM Director	Award	2,330	$0
May 13, 2026	Mann Jennifer Director	Award	2,330	$0
Apr 27, 2026	BRADSHAW RICHARD EVP, Chief Banking Officer	Sale	1,510	$50.0K
Feb 18, 2026	HARTON H LYNN President & CEO	Sale	25,000	$865.9K
Feb 15, 2026	Berry Holly N EVP, Chief HR Officer	Tax withheld	588	$20.3K
Feb 15, 2026	Berry Holly N EVP, Chief HR Officer	Tax withheld	458	$15.8K
Feb 15, 2026	Berry Holly N EVP, Chief HR Officer	Award	1,505	$0
Feb 15, 2026	HARTON H LYNN President & CEO	Tax withheld	11,622	$401.7K
Feb 15, 2026	DAVIS LUX MELINDA EVP, CAO & GC	Tax withheld	1,522	$52.6K
Feb 15, 2026	DAVIS LUX MELINDA EVP, CAO & GC	Award	5,012	$0
Feb 15, 2026	Terry Mark Aaron EVP, Chief Information Officer	Tax withheld	523	$18.1K
Feb 15, 2026	Terry Mark Aaron EVP, Chief Information Officer	Tax withheld	633	$21.9K
Feb 15, 2026	Terry Mark Aaron EVP, Chief Information Officer	Award	2,080	$0
Feb 15, 2026	HARRALSON JEFFERSON L EVP, CFO	Tax withheld	1,583	$54.7K
Feb 15, 2026	HARRALSON JEFFERSON L EVP, CFO	Tax withheld	2,115	$73.1K
Feb 15, 2026	HARRALSON JEFFERSON L EVP, CFO	Award	6,363	$0
Feb 15, 2026	BRADSHAW RICHARD EVP, Chief Banking Officer	Tax withheld	1,374	$47.5K
Feb 15, 2026	BRADSHAW RICHARD EVP, Chief Banking Officer	Tax withheld	2,359	$81.5K
Feb 15, 2026	DAVIS LUX MELINDA EVP, CAO & GC	Tax withheld	1,230	$42.5K
Feb 15, 2026	BRADSHAW RICHARD EVP, Chief Banking Officer	Award	7,217	$0
Feb 15, 2026	EDWARDS ROBERT A. EVP, Chief Risk Officer	Tax withheld	1,006	$34.8K
Feb 15, 2026	EDWARDS ROBERT A. EVP, Chief Risk Officer	Tax withheld	1,392	$48.1K
Feb 15, 2026	EDWARDS ROBERT A. EVP, Chief Risk Officer	Award	4,580	$0

Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.

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