Filing Flows › United Community Banks (UCB) › Guidance & outlook
United Community Banks (UCB) guidance and outlook
United Community Banks' 10-Q filed Nov 4, 2026 makes 6 forward-looking statements.
Guidance and outlook
Forward-looking statements, 10-Q filed Nov 4, 2026
- During the second and third quarters of 2026, we utilized short-term borrowings and FHLB advances to fund securities purchases in anticipation of the expected influx of cash from the Navitas sale.
- The ACL reflects our assessment of the life of loan expected credit losses in the loan portfolio and unfunded loan commitments.
- While the desired level of liquidity will vary depending upon a variety of factors, our primary goal is to maintain a sufficient level of liquidity in all expected economic environments.
- Over time, we intend to remix a portion of the balance sheet from securities into higher yielding organic loan growth.
- We utilize a baseline capital forecast as part of our capital management and planning process to evaluate current and future capital needs.
- Estimates that are susceptible to significant changes include accounting for the ACL and fair value measurements, both of which require significant judgments by management.
United Community Banks' latest quarter
United Community Banks, Q2 2026: revenue $279M (+7% year over year), operating margin 53.4%, net earnings $116M, operating cash flow $131M. The chart follows the revenue to costs, profit and cash.
Questions
What does United Community Banks expect?
During the second and third quarters of 2026, we utilized short-term borrowings and FHLB advances to fund securities purchases in anticipation of the expected influx of cash from the Navitas sale. The ACL reflects our assessment of the life of loan expected credit losses in the loan portfolio and unfunded loan commitments. While the desired level of liquidity will vary depending upon a variety of factors, our primary goal is to maintain a sufficient level of liquidity in all expected economic environments.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.