Pulling SEC filings + quote and writing the call…

UNITED COMMUNITY BANKS INC
Next earnings Jul 21, 2026 · consensus $0.74 EPS, $283M rev
Last earnings -3.3% on 2026-04-21
Southeast regional bank firing on all cylinders: NIM expanding, EPS +28%, debt slashed, trading at just 13x earnings.
Sources: SEC EDGAR (CIK 0000857855, latest 10-Q filed 2026-05-06) · EODHD · analysis by claude-code · as of 6/25/2026, 12:59:25 PM.
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Quality fundamentals and an attractive price line up (~184% below fair value) — the rarer case where both the business and the entry look good.
United Community Banks (UCB) presents a compelling setup: a well-run Southeast regional bank delivering accelerating earnings at a modest 13.2x P/E. FY2025 was a breakout year — revenue grew 11.7% to $1.06B and net income jumped 30% to $328M, with diluted EPS rising 28.4% to $2.62. The MD&A pinpoints the driver clearly: net interest margin expanded 23 bps to 3.52% as 'steeper decreases in deposit rates compared to that of loans' boosted FTE net interest revenue by $81.6M. This is the textbook 'asymmetric rate cycle' tailwind community banks have been waiting for, and UCB is harvesting it.
The risks, catalysts, 12-month price target and the cited SEC figures behind this rating — with Pro.
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| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $744M | $826M | $893M | $952M | $1.06B |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $270M | $277M | $188M | $252M | $328M |
| Diluted EPS | $2.97 | $2.52 | $1.54 | $2.04 | $2.62 |
| Net margin | 36.2% | 33.6% | 21.0% | 26.5% | 30.9% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Entered material definitive agreement; details disclosed under Reg FD with exhibits
Annual meeting vote results filed; routine shareholder governance disclosure
Q1 2026 10-Q filed; continues post-ANB acquisition operating trajectory
Officer/director change disclosed alongside Reg FD release
Other-events disclosure with exhibits, likely dividend declaration
Other-events disclosure with exhibits, likely dividend declaration
2026 proxy issued for annual meeting; routine governance/compensation disclosure
FY25: revenue $1.06B (+12%), NIM up 23bps to 3.52%, ANB acquisition closed May 2025
Q4 2025 earnings: FY net income $328M (+30%), diluted EPS $2.62 (+28%)
Disclosed under the STOCK Act
Self-reported periodic transaction reports (STOCK Act). Amounts are disclosed ranges; a trade may be a spouse's. Disclosures lag the trade by up to ~45 days. Source: House Clerk + Senate eFD.
1071 tracked peers · median
Source: EODHD. Yield = trailing-12-month dividends ÷ price.
Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.
Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.
| 2026-05-15 | KUMLER ALAN H SVP, Chief Accounting Officer | Tax | 113.00 @ $32.06 | $3.62K |
| 2026-05-13 | DANIELS KENNETH L Director | Award | 2.33K | |
| 2026-05-13 | Bazante Jennifer M. Director | Award | 2.33K | |
| 2026-05-13 | BELL GEORGE B. Director | Award | 2.33K | |
| 2026-05-13 | CLEMENTS JAMES P Director | Award | 2.33K | |
| 2026-05-13 | Davis Sally Pope Director | Award | 2.33K | |
| 2026-05-13 | Drummond Lance F. Director | Award | 2.33K | |
| 2026-05-13 | Mann Jennifer Director | Award | 2.33K |