For the quarter ended March 2025, United Community Banks (UCB) reported revenue of $247.68 million, up 3.7% over the same period last year. EPS came in at $0.59, compared to $0.52 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $248.6 million, representing a surprise of -0.37%. The company delivered an EPS surprise of +5.36%, with the consensus EPS estimate being $0.56.
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.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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:
- Net Interest Margin: 3.4% versus 3.3% estimated by three analysts on average.
- Efficiency Ratio - Operating: 56.2% versus the three-analyst average estimate of 57.2%.
- Total nonperforming assets: $93.29 million versus the two-analyst average estimate of $123.54 million.
- Average balance - Total interest-earning assets: $25.71 billion versus the two-analyst average estimate of $26.27 billion.
- Net charge-offs to average loans: 0.2% versus 0.3% estimated by two analysts on average.
- Total nonperforming loans: $91.34 million versus $120.69 million estimated by two analysts on average.
- Net interest revenue: $212.02 million compared to the $212.93 million average estimate based on three analysts.
- Total noninterest income: $35.66 million versus $35.68 million estimated by three analysts on average.
- Net interest revenue (FTE): $213.01 million versus $214.39 million estimated by two analysts on average.
View all Key Company Metrics for United Community Banks here>>>
Shares of United Community Banks have returned -15% over the past month versus the Zacks S&P 500 composite's -8.9% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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United Community Banks, Inc. (UCB): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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