Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
United Community Banks, Inc. (UCB)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
$36.96-1.86%
Close 2026-11-05 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
3.35 → 3.45 EPS · FY ending Dec 31, 2027 · 6 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 6 to 6; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for UCB yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Maintain dividend payments at $0.25 per share | Dividends increase steadily to $0.25 per share. | Intact | Dividend per share falls below $0.24 next year | Dividend per share: $0.26 per share FY2026-Q3; GAAP. Published target: >=0.25 USD per share. The stored target says 2026-Q1; this source reports FY2026-Q3. Fiscal/calendar alignment needs review. Nov 4, 20260.26 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
UCB is a financial-sector business with a moderate-risk, execution-led long-term thesis rather than a clear turnaround story. The thesis is intact, with recent financial performance in the top half of its industry, but management and earnings quality are rated neutral.
Valuation is described as cheap versus peers, and the expectations gap is modestly negative, suggesting expectations are not especially demanding. The priced-in assessment is justified, with low fragility and no warning gates triggered.
Near term, operating revenue rose from the second to the third quarter, net interest margin stayed stable, and core loans grew. Business simplification and balance-sheet repositioning are on track, while core-franchise growth is mixed; reported net income turned to a loss after strategic actions, and recent earnings have included a miss followed by an in-line result.
The multi-year thesis depends on continued loan and deposit growth and whether simplification actions support the core business without repeated earnings disruption. Near term, a guidance cut would be a meaningful negative, while lower rates could weigh on the sector; continued strong results and guidance from sector peers would support momentum.
For the next 1 to 3 years, UCB’s thesis remains intact, but execution, reported earnings, and interest-rate conditions are important swing factors. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| A primary condition in United Community Banks, Inc.'s published investment case. The stated target is >=108 million USD. |
| Intact |
| Operating income falls below $100 million next year |
Operating income: $-184.22M FY2026-Q3; GAAP. Published target: >=108 million USD. Target period is not explicitly aligned with this observation. Oct 20, 2026-184,220,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Sustain revenue growth near 4% YoY | A primary condition in United Community Banks, Inc.'s published investment case. The stated target is >=4% YoY. | Intact | YoY revenue growth falls below 4% next year | Revenue growth: -104.32% FY2026-Q3; GAAP. Published target: >=4% YoY. Reported actuals cannot certify a consensus target without an explicit period and accounting-basis binding. Nov 4, 2026-104.322227 percent · calculatedLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$3.22 → $3.45 · observed estimates
$1.14B → $1.20B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $3.22 | $1,143,380,000 | 7 / 5 |
| 2026-07-25 | $3.22 | $1,143,600,000 | 7 / 5 |
| 2026-07-26 | $3.22 | $1,143,600,000 | 7 / 5 |
| 2026-07-27 | $3.22 | $1,143,600,000 | 7 / 5 |
| 2026-07-28 | $3.22 | $1,143,600,000 | 7 / 5 |
| 2026-07-29 | $3.21 | $1,144,511,333 | 5 / 4 |
| 2026-07-30 | $3.22 | $1,143,600,000 | 7 / 5 |
| 2026-07-31 | $3.22 | $1,143,600,000 | 7 / 5 |
| 2026-08-01 | $3.21 | $1,144,511,333 | 5 / 4 |
| 2026-08-02 | $3.22 | $1,143,600,000 | 7 / 5 |
| 2026-08-03 | $3.22 | $1,143,600,000 | 7 / 5 |
| 2026-08-04 | $3.21 | $1,144,511,333 | 5 / 4 |
| 2026-08-05 | $3.22 | $1,143,600,000 | 7 / 5 |
| 2026-08-06 | $3.22 | $1,143,600,000 | 7 / 5 |
| 2026-08-08 | $3.21 | $1,144,511,333 | 5 / 4 |
| 2026-08-09 | $3.22 | $1,143,600,000 | 7 / 5 |
| 2026-08-10 | $3.21 | $1,144,511,333 | 5 / 4 |
| 2026-08-12 | $3.22 | $1,143,600,000 | 7 / 5 |
| 2026-08-13 | $3.21 | $1,144,511,333 | 5 / 4 |
| 2026-08-14 | $3.21 | $1,144,511,333 | 5 / 4 |
| 2026-08-15 | $3.21 | $1,144,511,333 | 5 / 4 |
| 2026-08-16 | $3.21 | $1,144,511,333 | 5 / 4 |
| 2026-08-17 | $3.21 | $1,144,511,333 | 5 / 4 |
| 2026-08-18 | $3.21 | $1,144,511,333 | 5 / 4 |
| 2026-08-19 | $3.21 | $1,144,511,333 | 5 / 4 |
| 2026-08-20 | $3.22 | $1,144,511,333 | 5 / 4 |
| 2026-08-21 | $3.22 | $1,144,511,333 | 5 / 4 |
| 2026-08-22 | $3.22 | $1,144,511,333 | 5 / 4 |
| 2026-08-23 | $3.22 | $1,144,511,333 | 5 / 4 |
| 2026-08-24 | $3.22 | $1,144,511,333 | 5 / 4 |
| 2026-08-25 | $3.22 | $1,144,511,333 | 5 / 4 |
| 2026-08-26 | $3.22 | $1,144,511,333 | 5 / 4 |
| 2026-08-27 | $3.22 | $1,144,511,333 | 5 / 4 |
| 2026-08-28 | $3.22 | $1,144,511,333 | 5 / 4 |
| 2026-08-29 | $3.22 | $1,144,511,333 | 5 / 4 |
| 2026-08-30 | $3.22 | $1,144,511,333 | 5 / 4 |
| 2026-08-31 | $3.22 | $1,144,511,333 | 5 / 4 |
| 2026-09-01 | $3.22 | $1,144,511,333 | 5 / 4 |
| 2026-09-02 | $3.22 | $1,144,511,333 | 5 / 4 |
| 2026-09-03 | $3.22 | $1,144,511,333 | 5 / 4 |
| 2026-09-04 | $3.22 | $1,144,511,333 | 5 / 4 |
| 2026-09-05 | $3.22 | $1,144,511,333 | 5 / 4 |
| 2026-09-06 | $3.22 | $1,144,511,333 | 5 / 4 |
| 2026-09-07 | $3.22 | $1,144,511,333 | 5 / 4 |
| 2026-09-08 | $3.22 | $1,144,511,333 | 5 / 4 |
| 2026-09-09 | $3.25 | $1,158,028,000 | 5 / 4 |
| 2026-09-10 | $3.31 | $1,162,207,833 | 6 / 4 |
| 2026-09-11 | $3.31 | $1,162,207,833 | 6 / 5 |
| 2026-09-12 | $3.31 | $1,162,207,833 | 6 / 5 |
| 2026-09-13 | $3.31 | $1,162,207,833 | 6 / 5 |
| 2026-09-14 | $3.31 | $1,162,207,833 | 6 / 5 |
| 2026-09-15 | $3.31 | $1,162,207,833 | 6 / 5 |
| 2026-09-16 | $3.34 | $1,167,924,500 | 6 / 5 |
| 2026-09-17 | $3.34 | $1,167,924,500 | 6 / 5 |
| 2026-09-18 | $3.34 | $1,167,924,500 | 6 / 5 |
| 2026-09-19 | $3.34 | $1,167,924,500 | 6 / 5 |
| 2026-09-20 | $3.34 | $1,167,924,500 | 6 / 5 |
| 2026-09-21 | $3.34 | $1,167,924,500 | 6 / 5 |
| 2026-09-22 | $3.34 | $1,167,924,500 | 6 / 5 |
| 2026-09-23 | $3.34 | $1,167,924,500 | 6 / 5 |
| 2026-09-24 | $3.34 | $1,167,924,500 | 6 / 5 |
| 2026-09-25 | $3.34 | $1,167,438,667 | 6 / 5 |
| 2026-09-26 | $3.34 | $1,167,438,667 | 6 / 5 |
| 2026-09-27 | $3.34 | $1,167,438,667 | 6 / 5 |
| 2026-09-28 | $3.34 | $1,167,438,667 | 6 / 5 |
| 2026-09-29 | $3.34 | $1,167,438,667 | 6 / 5 |
| 2026-09-30 | $3.34 | $1,167,438,667 | 6 / 5 |
| 2026-10-01 | $3.34 | $1,167,438,667 | 6 / 5 |
| 2026-10-02 | $3.34 | $1,167,438,667 | 6 / 5 |
| 2026-10-03 | $3.35 | $1,168,488,667 | 6 / 5 |
| 2026-10-04 | $3.35 | $1,168,488,667 | 6 / 5 |
| 2026-10-05 | $3.35 | $1,168,488,667 | 6 / 5 |
| 2026-10-06 | $3.35 | $1,168,488,667 | 6 / 5 |
| 2026-10-07 | $3.36 | $1,170,855,017 | 6 / 5 |
| 2026-10-08 | $3.36 | $1,170,855,017 | 6 / 5 |
| 2026-10-09 | $3.36 | $1,170,855,017 | 6 / 5 |
| 2026-10-10 | $3.36 | $1,170,855,017 | 6 / 5 |
| 2026-10-11 | $3.36 | $1,170,855,017 | 6 / 5 |
| 2026-10-12 | $3.36 | $1,170,855,017 | 6 / 5 |
| 2026-10-13 | $3.36 | $1,170,855,017 | 6 / 5 |
| 2026-10-14 | $3.36 | $1,170,855,017 | 6 / 5 |
| 2026-10-15 | $3.36 | $1,170,855,017 | 6 / 5 |
| 2026-10-16 | $3.36 | $1,170,855,017 | 6 / 5 |
| 2026-10-17 | $3.36 | $1,170,855,017 | 6 / 5 |
| 2026-10-18 | $3.36 | $1,170,855,017 | 6 / 5 |
| 2026-10-19 | $3.36 | $1,170,855,017 | 6 / 5 |
| 2026-10-20 | $3.36 | $1,170,855,017 | 6 / 5 |
| 2026-10-21 | $3.41 | $1,186,944,000 | 6 / 5 |
| 2026-10-22 | $3.45 | $1,199,744,000 | 6 / 5 |
| 2026-10-23 | $3.45 | $1,199,744,000 | 6 / 5 |
| 2026-10-24 | $3.45 | $1,199,744,000 | 6 / 5 |
| 2026-10-25 | $3.45 | $1,199,744,000 | 6 / 5 |
| 2026-10-26 | $3.45 | $1,199,744,000 | 6 / 5 |
| 2026-10-27 | $3.45 | $1,199,744,000 | 6 / 5 |
| 2026-10-28 | $3.45 | $1,199,744,000 | 6 / 5 |
| 2026-10-29 | $3.45 | $1,199,744,000 | 6 / 5 |
| 2026-10-30 | $3.45 | $1,199,744,000 | 6 / 5 |
| 2026-10-31 | $3.45 | $1,199,744,000 | 6 / 5 |
| 2026-11-01 | $3.45 | $1,199,744,000 | 6 / 5 |
| 2026-11-02 | $3.45 | $1,199,744,000 | 6 / 5 |
| 2026-11-03 | $3.45 | $1,199,744,000 | 6 / 5 |
| 2026-11-04 | $3.45 | $1,199,744,000 | 6 / 5 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 3 Buy / Strong Buy · 4 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 1 recorded
1 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.