United Community Banks (UCB) reported $260.24 million in revenue for the quarter ended June 2025, representing a year-over-year increase of 6.1%. EPS of $0.66 for the same period compares to $0.58 a year ago.
The reported revenue represents a surprise of -0.54% over the Zacks Consensus Estimate of $261.65 million. With the consensus EPS estimate being $0.62, the EPS surprise was +6.45%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how United Community Banks performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency Ratio - Operating: 54.8% compared to the 54.9% average estimate based on two analysts.
- Net charge-offs to average loans: 0.2% compared to the 0.2% average estimate based on two analysts.
- Net Interest Margin: 3.4% versus 3.4% estimated by two analysts on average.
- Average balance - Total interest-earning assets: $25.96 billion versus $27.32 billion estimated by two analysts on average.
- Total nonperforming assets: $83.96 million versus the two-analyst average estimate of $95.46 million.
- Total nonperforming loans: $80.45 million compared to the $92.6 million average estimate based on two analysts.
- Net interest revenue (FTE): $226.51 million compared to the $223.4 million average estimate based on two analysts.
- Total noninterest income: $34.71 million compared to the $39.26 million average estimate based on two analysts.
- Net interest revenue: $225.53 million compared to the $222.38 million average estimate based on two analysts.
View all Key Company Metrics for United Community Banks here>>>
Shares of United Community Banks have returned +7.7% over the past month versus the Zacks S&P 500 composite's +5.9% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
United Community Banks, Inc. (UCB): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
Zacks Investment Research
