United Community Banks (UCB) Q3 FY2026 earnings: revenue -$12 million

United Community Banks Inc. (UCB) announced its results for Q3 FY2026, the quarter ended 30 September 2026, on 20 October 2026. Revenue was -$12 million. Net income was -$140 million, and diluted earnings per share -$1.16. The figures are from the company's earnings press release; the 10-Q with the full statements is not filed yet, and this page fills in when it is.

Revenue-$12 million

Net income-$140 million

Diluted EPS-$1.16$0.70 a year earlier

QuarterQ3 FY2026ended 30 September 2026

What management said

Guidance figures: 1 raised.

Operating EPS rose, GAAP EPS negative: Diluted EPS was $(1.16) on a GAAP basis and $0.77 on an operating basis, against $0.95 and $0.71 in the second quarter. The GAAP figure reflects the third-quarter strategic actions.
Navitas equipment finance business sold: Navitas was sold on September 1 for $2.0 billion in cash, a 7% premium to par. Its equipment financing loans had been moved to held for sale in the second quarter.
Securities portfolio repositioned for higher yield: $2.2 billion of held-to-maturity securities moved to available-for-sale, and long-dated securities with a $2.5 billion amortized cost were sold. Proceeds of $2.1 billion went to higher-yielding securities and to repaying borrowings.

Read the earnings call summary

The quarter, against the one before and a year earlier

Line	Q3 FY2026	Q2 FY2026	Q3 FY2025	Change on the year
Revenue	-12.0	279	277	n/a
Net income	-140	116	91.5	n/a
Diluted EPS	-$1.16	$0.95	$0.70	n/a

$ million except per share.

Q3 FY2026 is from the company's press release of 20 October 2026; the other columns are from its 10-Q and 10-K filings. A release figure is shown when the release's own figure for an earlier quarter matches the filed one, so the line and its units are read right.

Quarterly results, the last 20 quarters filed

	Q3 FY2021	Q4 FY2021 *	Q1 FY2022	Q2 FY2022	Q3 FY2022	Q4 FY2022 *	Q1 FY2023	Q2 FY2023	Q3 FY2023	Q4 FY2023 *	Q1 FY2024 †	Q2 FY2024 †	Q3 FY2024 †	Q4 FY2024 *	Q1 FY2025	Q2 FY2025	Q3 FY2025	Q4 FY2025 *	Q1 FY2026	Q2 FY2026
Revenue	192	175	180	207	216	223	220	214	204	166	239	245	217	239	248	260	277	n/a	277	279
Interest expense	6.6	6.2	7.3	8.5	14.1	30.9	68.0	95.5	121	135	138	138	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Pre-tax income	95.4	66.2	60.4	86.0	104	106	80.1	81.5	59.8	11.2	80.8	86.0	59.8	96.4	91.2	101	118	n/a	108	149
Tax rate	23%	21%	21%	22%	22%	23%	22%	22%	20%	-26%	23%	23%	21%	21%	22%	22%	23%	n/a	22%	22%
Net income	73.8	52.0	48.0	66.8	81.2	81.5	62.3	63.3	47.9	14.1	62.6	66.6	47.3	75.8	71.4	78.7	91.5	n/a	84.3	116
Net margin	38%	30%	27%	32%	38%	36%	28%	30%	23%	9%	26%	27%	22%	32%	29%	30%	33%	n/a	30%	41%
Diluted EPS	$0.82	$0.55	$0.43	$0.61	$0.74	$0.74	$0.52	$0.53	$0.39	$0.11	$0.51	$0.54	$0.38	$0.61	$0.58	$0.63	$0.70	n/a	$0.69	$0.95
Operating cash flow	120	76.4	200	147	161	98.9	90.1	94.9	87.2	21.8	88.8	105	7.7	148	98.6	96.8	123	n/a	69.3	131
Capital expenditure	5.2	6.8	7.3	9.5	9.5	16.4	22.6	21.2	15.3	13.3	13.7	17.9	9.9	5.5	4.3	12.1	5.4	n/a	6.9	9.2
Free cash flow	115	69.7	193	137	151	82.5	67.5	73.7	71.8	8.4	75.1	87.2	-2.2	143	94.3	84.7	118	n/a	62.4	121
Buybacks	10.0	0.0	n/a	n/a	0.0	n/a	n/a	n/a	n/a	n/a	n/a	n/a	0.0	n/a	0.0	13.9	0.0	n/a	37.1	0.0
Dividends paid	16.7	17.6	18.1	22.5	22.6	23.6	23.7	26.8	26.9	27.7	27.7	27.8	27.8	29.0	29.1	29.1	29.5	n/a	30.6	30.4
Shares outstanding	87m	89m	106m	106m	106m	106m	115m	115m	119m	119m	119m	119m	119m	119m	120m	121m	122m	121m	120m	120m
Filing	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q

Each quarter as filed, linked to its filing.

* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS, and its diluted share count where shown, are from the company's results press release for that quarter, checked against the company's filed figures or a second data source. A fourth quarter left blank is one the arithmetic cannot give yet: the annual report changed the basis of the year (a business sold or spun off, a line regrouped), so the year less the three quarters as first filed would not be a quarter of anything. It fills in once the three quarters have been refiled on the new basis. A quarter marked † is shown as the company last restated it in a later filing, so it compares with the quarters around it on one basis; rest on a figure for the one first filed. EPS is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

Earnings press release for the quarter ended 30 September 2026, filed with the SEC on 20 October 2026 with a Form 8-K: the release.