United Community Banks beats Q3 revenue, adjusted EPS estimates

United Community Banks

22/10/2025 12:43

Overview

United Community Banks Q3 revenue grows 27% yr/yr, beating analysts' expectations

Adjusted EPS for Q3 beats consensus, rising 32% yr/yr

Outlook

Company did not provide specific guidance for future quarters or the full year

Result Drivers

LOAN AND DEPOSIT GROWTH - Loans grew by $254 mln while customer deposits, excluding seasonal outflow of public funds, were up $137 mln

LOWER CREDIT LOSS PROVISION - Co reports improved financial results partly due to reduced credit loss provisions

MARGIN EXPANSION - Co attributes margin expansion to lower cost of funds and improving asset mix

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q3 Revenue
Beat
$276.80 mln
$271.10 mln (6 Analysts)
Q3 Adjusted EPS
Beat
$0.75
$0.70 (7 Analysts)
Q3 EPS
$0.70
Q3 Net Income
$91.49 mln
Q3 Credit Loss Provision
$7.90 mln
Q3 ROCE
9.20%


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 3 "strong buy" or "buy", 4 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy"

Wall Street's median 12-month price target for United Community Banks Inc is $35.75, about 15.5% above its October 21 closing price of $30.22

The stock recently traded at 11 times the next 12-month earnings vs. a P/E of 11 three months ago

Press Release: ID:nGNX1lrQ5t

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)