UCB · United Community Banks Inc
$36.74
-0.02 (-0.05%)
At close · Aug 14
Market Cap
$4.43B
Shares
120.58M
United Community Banks Inc Earnings Call Transcripts
Every quarterly earnings call for United Community Banks Inc (UCB) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.
Revenue & result across quarters
Revenue Net income YoY up YoY down artefacts
▲12.6%
$216.30M
$81.16M
'22 Q3
22-10-18
▲27.4%
$223.41M
$81.45M
'22 Q4
23-01-17
▲22.4%
$219.90M
$62.30M
'23 Q1
23-04-18
▲3.5%
$213.92M
$63.29M
'23 Q2
23-07-18
▼5.6%
$204.26M
$47.87M
'23 Q3
23-10-18
▲14.2%
$255.17M
$14.09M
'23 Q4
24-01-24
▲8.6%
$238.74M
$62.63M
'24 Q1
24-04-24
▲14.6%
$245.26M
$66.61M
'24 Q2
24-07-24
▲6.4%
$217.28M
$47.35M
'24 Q3
24-10-23
▼1.7%
$250.85M
$75.80M
'24 Q4
25-01-22
▲3.7%
$247.68M
$71.41M
'25 Q1
25-04-22
▲6.1%
$260.24M
$78.73M
'25 Q2
25-07-23
▲27.4%
$276.85M
$91.49M
'25 Q3
25-10-22
▲11%
$278.39M
$86.45M
'25 Q4
26-01-14
▲11.6%
$276.51M
$84.29M
'26 Q1
26-04-21
LATEST
▲7.3%
$279.28M
$115.64M
'26 Q2
26-07-21
Earnings call
FY26 · Q2
2026-07-21
United Community Banks, Inc. Second Quarter 2026 Earnings Conference Call
Confident tone
Capital and Liquidity
Loan Growth
Peach State Acquisition
Revenue
$279.28M
▲ 7.3% YoY Diluted EPS
$0.95
▲ 50.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Conference
Investor event
2026-06-12
United Community Banks, Inc. Navitas Announcement Conference Call - June 12, 2026
No reported result — non-financial event
Audio
Transcript
Slides
Earnings call
FY26 · Q1
2026-04-21
United Community Banks Inc Q1 FY2026 Earnings Call
Confident tone
Mortgage banking
Peach State acquisition / M&A
Capital & balance sheet
Revenue
$276.51M
▲ 11.6% YoY Diluted EPS
$0.69
▲ 19% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q4
2026-01-14
United Community Banks Inc Q4 FY2025 Earnings Call
Confident tone
Loan Growth
Net Interest Margin and Asset Repricing
Non-Interest Income
Revenue
$278.39M*
▲ 11% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-10-22
United Community Banks Inc Q3 FY2025 Earnings Call
Confident tone
Loan Growth
Capital Management
Credit Quality
Revenue
$276.85M
▲ 27.4% YoY Diluted EPS
$0.70
▲ 84.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q2
2025-07-23
United Community Banks Inc Q2 FY2025 Earnings Call
Confident tone
M&A and American National integration
Credit quality
Talent recruitment and expansion
Revenue
$260.24M
▲ 6.1% YoY Diluted EPS
$0.63
▲ 16.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q1
2025-04-22
United Community Banks Inc Q1 FY2025 Earnings Call
Confident tone
Loan growth
M&A and expansion
Capital strength and balance sheet
Revenue
$247.68M
▲ 3.7% YoY Diluted EPS
$0.58
▲ 13.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q4
2025-01-22
United Community Banks Inc Q4 FY2024 Earnings Call
Confident tone
Loan growth and portfolio mix
Net interest margin
Deposit costs and CD repricing
Revenue
$250.85M*
▼ 1.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY24 · Q3
2024-10-23
United Community Banks Inc Q3 FY2024 Earnings Call
Positive tone
Manufactured housing portfolio sale
Net interest margin
Hurricane Helene impact
Revenue
$217.28M
▲ 6.4% YoY Diluted EPS
$0.38
▼ 2.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q2
2024-07-24
United Community Banks Inc Q2 FY2024 Earnings Call
Positive tone
Credit quality and charge-offs
FinTrust divestiture
CRE portfolio composition
Revenue
$245.26M
▲ 14.6% YoY Diluted EPS
$0.54
▲ 1.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q1
2024-04-24
United Community Banks Inc Q1 FY2024 Earnings Call
Positive tone
Credit quality
Navitas and long-haul trucking portfolio
Net interest margin and deposit pricing
Revenue
$238.74M
▲ 8.6% YoY Diluted EPS
$0.51
▼ 1.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q4
2024-01-24
United Community Banks Inc Q4 FY2023 Earnings Call
Positive tone
Loan portfolio
Navitas / long-haul trucking
Deposit growth and funding
Revenue
$255.17M*
▲ 14.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-10-18
United Community Banks Inc Q3 FY2023 Earnings Call
Revenue
$204.26M
▼ 5.6% YoY Diluted EPS
$0.39
▼ 47.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q2
2023-07-18
United Community Banks Inc Q2 FY2023 Earnings Call
Revenue
$213.92M
▲ 3.5% YoY Diluted EPS
$0.53
▼ 13.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q1
2023-04-18
United Community Banks Inc Q1 FY2023 Earnings Call
Revenue
$219.90M
▲ 22.4% YoY Diluted EPS
$0.52
▲ 20.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q4
2023-01-17
United Community Banks Inc Q4 FY2022 Earnings Call
Revenue
$223.41M*
▲ 27.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-10-18
United Community Banks Inc Q3 FY2022 Earnings Call
Revenue
$216.30M
▲ 12.6% YoY Diluted EPS
$0.74
▼ 9.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q2
2022-07-19
United Community Banks Inc Q2 FY2022 Earnings Call
Revenue
$206.76M
▲ 10.1% YoY Diluted EPS
$0.61
▼ 21.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q1
2022-04-19
United Community Banks Inc Q1 FY2022 Earnings Call
Revenue
$179.68M
▼ 5% YoY Diluted EPS
$0.43
▼ 47.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q4
2022-01-19
United Community Banks Inc Q4 FY2021 Earnings Call
Revenue
$175.38M*
▼ 4.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY21 · Q3
2021-10-19
United Community Banks Inc Q3 FY2021 Earnings Call
Revenue
$192.17M
▲ 23.7% YoY Diluted EPS
$0.82
▲ 57.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q2
2021-07-20
United Community Banks Inc Q2 FY2021 Earnings Call
Revenue
$187.81M
▲ 61.9% YoY Diluted EPS
$0.78
▲ 143.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q1
2021-04-20
United Community Banks Inc Q1 FY2021 Earnings Call
Revenue
$189.05M
▲ 54.7% YoY Diluted EPS
$0.82
▲ 105% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q4
2021-01-19
United Community Banks Inc Q4 FY2020 Earnings Call
Revenue
$183.86M*
▲ 28.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY20 · Q3
2020-10-20
United Community Banks Inc Q3 FY2020 Earnings Call
Revenue
$155.34M
▲ 6.9% YoY Diluted EPS
$0.52
▼ 13.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q2
2020-07-21
United Community Banks Inc Q2 FY2020 Earnings Call
Revenue
$116.00M
▼ 16.6% YoY Diluted EPS
$0.32
▼ 41.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q1
2020-04-22
United Community Banks Inc Q1 FY2020 Earnings Call
Revenue
$122.23M
▼ 8.3% YoY Diluted EPS
$0.40
▼ 27.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY19 · Q4
2020-01-21
United Community Banks Inc Q4 FY2019 Earnings Call
Revenue
$143.32M*
▲ 5.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Showing 1–28 of 28 earnings calls
Key facts
CIK
857855
CUSIP
90984P303
13F (30d)
333 filings
330 filers
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