NYSE$UCB
United Community Banks Inc · Q2 2026 earnings
Q2 2026 earnings · · Before market open · Investor relations
Briefing
United Community Banks Inc reported strong Q2 2026 earnings with GAAP EPS of $0.95 and operating EPS of $0.71 driven by loan growth and margin expansion.
United Community Banks reported net income of $115.6 million for the quarter ended June 30, 2026, up 47% year-over-year, supported by $332 million in loan growth at 6.8% annualized and net interest margin expansion to 3.68%. GAAP results included a $38.5 million provision release from reclassifying Navitas loans to held-for-sale. Operating return on assets was 1.22% with efficiency ratio of 56.7%.
- GAAP EPS of $0.95 up $0.32 YoY; operating EPS of $0.71 up 8% YoY to $0.71.
- Net interest margin expanded 18 bps YoY to 3.68%, sixth consecutive quarter of growth.
- Loans grew $332 million or 6.8% annualized; total revenue rose 7% YoY to $279.3 million.
- Strong capital position with CET1 at 13.5%; quarterly dividend raised 4% YoY to $0.25 per share.
Headline financials
Revenue & EPS history
United Community Banks · Revenue · Quarterly
$279M
Forward guidance
Company highlighted strategic transactions including Peach State acquisition and Navitas sale to focus on core banking in Southeast footprint.
Tailwinds
- Loan production over $1 billion excluding Navitas sale
- Demographic strength in geographic footprint
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 19 quarterly earnings reports
+0.0%
Avg return
Earnings day
+0.2%
Avg return
5 days after
+2.4%
Avg return
30 days after
44%
28 / 63 earnings
Positive
+7.4%
Q2 2014
Best reaction
-9.6%
Q3 2023
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q2 2026 | — | — | — | |
| Q1 2026 | -3.3% | -3.6% | -3.1% | |
| Q4 2025 | +2.8% | +4.2% | +6.4% | |
| Q3 2025 | -0.5% | -0.5% | +1.0% | |
| Q2 2025 | -0.0% | -1.0% | +2.7% | |
| Q1 2025 | +6.6% | +10.9% | +16.4% | |
| Q4 2024 | -1.5% | +0.8% | -4.1% | |
| Q3 2024 | -1.5% | -0.3% | +19.5% | |
| Q2 2024 | +4.2% | +2.9% | +1.6% | |
| Q1 2024 | -1.4% | -2.1% | -2.3% | |
| Q4 2023 | -2.0% | -0.3% | -10.4% | |
| Q3 2023 | -9.6% | -13.4% | -4.7% | |
| Q2 2023 | +2.5% | +1.5% | +0.9% | |
| Q1 2023 | -1.0% | -5.0% | -17.3% | |
| Q4 2022 | -8.8% | -9.1% | -5.7% | |
| Q3 2022 | -0.7% | -1.3% | +0.8% | |
| Q2 2022 | +3.6% | +3.1% | +16.1% | |
| Q1 2022 | +2.9% | +1.5% | -5.1% | |
| Q4 2021 | -6.2% | -10.1% | -4.3% | |
| Q3 2021 | +3.0% | +5.3% | +5.9% | |
| Q2 2021 | +0.3% | +0.1% | +2.4% | |
| Q1 2021 | -4.3% | -1.1% | +2.9% | |
| Q4 2020 | +0.0% | +0.8% | +2.3% | |
| Q3 2020 | +3.7% | +11.9% | +31.0% | |
| Q2 2020 | +6.3% | +5.7% | -0.1% | |
| Q1 2020 | -4.6% | -1.1% | -0.4% | |
| Q4 2019 | -3.7% | -4.8% | -2.7% | |
| Q3 2019 | +4.3% | +4.0% | +5.7% | |
| Q2 2019 | +4.5% | +5.0% | -4.0% | |
| Q1 2019 | +5.9% | +7.1% | +1.6% | |
| Q4 2018 | +5.1% | +6.6% | +18.7% | |
| Q3 2018 | -5.2% | -3.3% | +2.5% | |
| Q2 2018 | -2.5% | -3.3% | -1.4% | |
| Q1 2018 | -0.9% | -0.7% | +1.3% | |
| Q4 2017 | +0.1% | +2.8% | -0.2% | |
| Q3 2017 | +2.3% | +0.4% | -1.8% | |
| Q2 2017 | -2.2% | -3.8% | -8.7% | |
| Q1 2017 | +1.4% | -0.5% | -4.6% | |
| Q4 2016 | +1.8% | -2.0% | +3.0% | |
| Q3 2016 | +0.0% | +1.2% | +27.1% | |
| Q2 2016 | +1.5% | -0.3% | +6.9% | |
| Q1 2016 | -0.7% | — | — | |
| Q4 2015 | -1.6% | — | — | |
| Q3 2015 | -0.2% | — | — | |
| Q2 2015 | -1.7% | — | — | |
| Q1 2015 | -0.2% | — | — | |
| Q4 2014 | +5.9% | — | — | |
| Q3 2014 | +3.5% | — | — | |
| Q2 2014 | +7.4% | — | — | |
| Q1 2014 | -5.0% | — | — | |
| Q4 2013 | -3.9% | — | — | |
| Q3 2013 | +2.7% | — | — | |
| Q2 2013 | +2.2% | — | — | |
| Q1 2013 | -2.6% | — | — | |
| Q4 2012 | +0.7% | — | — | |
| Q3 2012 | -5.2% | — | — | |
| Q2 2012 | +5.3% | — | — | |
| Q1 2012 | +0.0% | — | — | |
| Q4 2011 | +1.9% | — | — | |
| Q3 2010 | -5.0% | — | — | |
| Q3 2011 | -5.0% | — | — | |
| Q2 2011 | -0.3% | — | — | |
| Q2 2010 | -0.3% | — | — | |
| Q4 2010 | -0.3% | — | — |
Discussion
Share your read of this quarter. Sign-in carries your eToro identity.
Join the conversation
Sign in with eToro to post your read of this quarter and vote on others'.
Sign in with eToro