U UCB

United Community Banks Inc

$32.09

+0.44% (+$0.14)

Volume 735,489

52W High $36.77

52W Low $22.93

Market Cap $3.82B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$0.70

Whisper EPS

$0.72

3.3% above consensus

Last Quarter

$0.70

Current Streak

1 Miss

Avg Surprise (4Q)

+2.87%

Next Earnings Report

Reports in 14 days

Report Date Apr 21, 2026

Time BMO

Whisper Spread +3.34%

Consensus Estimate

$0.70

Official analyst average

Whisper Number

$0.72

What traders expect

Bullish Sentiment: The whisper number is 3.3% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q4 2025 Jan 14, 2026

1-Day: +1.56%

Q3 2025 Oct 22, 2025

1-Day: -0.67%

5-Day: +0.03%

Q2 2025 Jul 23, 2025

1-Day: -1.75%

5-Day: -1.75%

Q1 2025 Apr 22, 2025

1-Day: +1.37%

Revenue & Financial Performance

Revenue Whisper

$423.0M

TWN Proprietary Estimate

Last Quarter Revenue

$403.5M

+6.3% YoY

Gross Margin

69.7%

Net Margin: 21.4%

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$403.5M	+6.3%	69.7%	27.9%	$86.5M
Q3'25	$391.1M	+11.6%	67.2%	30.2%	$91.5M
Q2'25	$376.2M	-0.7%	64.5%	26.7%	$78.7M
Q1'25	$366.3M	-1.4%	62.1%	24.9%	$71.4M
Q4'24	$379.6M	+22.3%	61.5%	25.4%	$75.8M
Q3'24	$350.5M	+0.2%	56.0%	17.1%	$47.3M
Q2'24	$378.7M	+15.8%	60.3%	22.7%	$66.6M
Q1'24	$371.6M	+22.3%	59.5%	21.8%	$62.6M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q4 2025	Jan 14, 2026	$0.71	$0.75	$0.70	-1.41%	Missed
Q3 2025	Oct 22, 2025	$0.70	$0.73	$0.75	+7.14%	Beat
Q2 2025	Jul 23, 2025	$0.61	$0.65	$0.66	+8.20%	Beat
Q1 2025	Apr 22, 2025	$0.56	$0.59	$0.59	+5.36%	Met
Q4 2024	Jan 22, 2025	$0.56	$0.58	$0.63	+12.50%	Beat
Q3 2024	Oct 23, 2024	$0.58	$0.60	$0.57	-1.72%	Missed
Q2 2024	Jul 24, 2024	$0.51	$0.52	$0.58	+13.73%	Beat
Q1 2024	Apr 24, 2024	$0.50	$0.49	$0.52	+4.00%	Beat
Q4 2023	Jan 24, 2024	$0.52	$0.49	$0.53	+1.92%	Beat
Q3 2023	Oct 18, 2023	$0.45	$0.42	$0.45	+0.00%	Beat
Q2 2023	Jul 18, 2023	$0.63	$0.60	$0.55	-12.70%	Missed
Q1 2023	Apr 18, 2023	$0.69	$0.66	$0.58	-15.94%	Missed