Core Insights - United Community Banks (UCB) reported revenue of $260.24 million for Q2 2025, marking a year-over-year increase of 6.1% and an EPS of $0.66, up from $0.58 a year ago [1] - The revenue fell short of the Zacks Consensus Estimate of $261.65 million by -0.54%, while the EPS exceeded the consensus estimate of $0.62 by +6.45% [1] Financial Performance Metrics - Efficiency Ratio - Operating: 54.8%, slightly better than the average estimate of 54.9% [4] - Net charge-offs to average loans: 0.2%, matching the average estimate [4] - Net Interest Margin: 3.4%, in line with the average estimate [4] - Average balance of Total interest-earning assets: $25.96 billion, below the estimated $27.32 billion [4] - Total nonperforming assets: $83.96 million, better than the average estimate of $95.46 million [4] - Total nonperforming loans: $80.45 million, significantly lower than the average estimate of $92.6 million [4] - Net interest revenue (FTE): $226.51 million, exceeding the average estimate of $223.4 million [4] - Total noninterest income: $34.71 million, below the average estimate of $39.26 million [4] - Net interest revenue: $225.53 million, slightly above the average estimate of $222.38 million [4] Stock Performance - Shares of United Community Banks have returned +7.7% over the past month, outperforming the Zacks S&P 500 composite's +5.9% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for near-term outperformance against the broader market [3]
United Community Banks (UCB) Reports Q2 Earnings: What Key Metrics Have to Say