UCB Earnings Prediction
The chart below shows how UCB performed 10 days before and after its earnings report, based on data from the past quarters. Typically, UCB sees a -4.43% change in stock price 10 days leading up to the earnings, and a +7.27% change 10 days following the report. On the earnings day itself, the stock moves by +1.45%. This data can give you a slight idea of what to expect for the next quarter's release.
UCB Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
237.71M
1.71%
-3.03%
Gross Margin
--
--
--
Operating Margin
38.89%
9.49%
-3.33%
Net Margin
30.04%
12.09%
-2.85%
EPS
0.58
13.73%
-4.92%
No Data Available
UCB Earnings Analysis
United Community Banks Inc Corporation (UCB.N) Earnings Conference Call
Positive
Operating Earnings Improvement: Operating earnings were $0.59 per share, with an operating return on assets of 1.04%, showing solid improvements from the previous year.
Loan and Deposit Growth: Loans and deposits grew at an annualized pace of just over 5%, indicating strong growth in both areas.
DDA Balance Growth: Non-interest bearing DDA balances increased by $46 million from year-end, marking growth for the first time in several quarters.
Net Interest Margin Improvement: Net interest margin increased by 10 basis points over the fourth quarter, driven by lower deposit costs.
Strong Credit Quality: Credit quality remains strong, with non-performing assets lower and credit losses stable from the previous quarter.
Operating Expenses Reduction: Operating expenses decreased both from the previous quarter and compared to the first quarter of 2024, indicating improved efficiency.
Retail Banking Satisfaction Award: J.D. Power recognized United for the eleventh time as the Retail Banking Satisfaction winner for the Southeast, highlighting customer trust and satisfaction.
Strong Balance Sheet: The bank's balance sheet is strong, with a CET1 ratio of 13.3%, providing a solid foundation for future growth.
Economic Resilience and Client Confidence: The bank is well-positioned to navigate economic uncertainties, with clients expressing confidence in their ability to adapt to challenges.
Strategic Acquisition Impact: The acquisition of American National Bank is set to close on May 1, which will enhance United's South Florida franchise.
Negative
Flat Operating Expenses: Operating expenses were flat over the past year, indicating a lack of growth despite efforts to control costs.
Non-Interest Income Decline: Non-interest income decreased by $4.8 million from the previous quarter, suggesting potential challenges in generating fee-based revenue.
Loan Loss Provision Increase: The loan loss provision increased slightly, indicating a cautious approach to potential future credit losses amid economic uncertainties.
Tariff Impact on Economy: Concerns were raised about potential impacts from tariffs and trade wars, which could affect borrower behavior and overall economic conditions.
Borrower Caution Observed: The company acknowledged that some borrowers are in a 'wait and see' mode, which may indicate a more conservative approach to investments and borrowing.
M&A Environment Uncertainty: The management expressed uncertainty regarding the M&A environment, suggesting that economic conditions may hinder future acquisitions.
UCB FAQs
How does UCB typically perform around its earnings report dates?
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UCB Earning Call Sentiment
Earnings call transcript: United Community Banks Q1 2025 earnings beat forecast
UCB.N
-0.18%Positive
The earnings call highlights strong financial performance with increased operating earnings, deposit growth, and a solid CET1 ratio. The bank's share repurchase plan and positive fee income outlook further support a positive sentiment. Despite economic uncertainties and competitive pressures, management's optimistic guidance and proactive measures in handling risks suggest a positive outlook. The Q&A section reinforces this with expectations of margin improvement and stable loan pipelines. Overall, the strong financial metrics and strategic focus on shareholder returns indicate a likely positive stock price reaction.
