)
Edge3 Oct 2025
Epiroc: A Culture of Moving Mountains
From automation to electrification, Swedish industrial giant Epiroc is leading a transformation in how the world mines.
United Community Banks (UCB) investor relations material
United Community Banks Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary23 Jul, 2025
Executive summary
Operating EPS rose to $0.66, up 14% year-over-year, and GAAP EPS reached $0.63, up 17% year-over-year, driven by net interest margin expansion and deposit cost management.
Net income for Q2 2025 was $78.7M, with pre-tax, pre-provision income of $112.3M.
Acquisition of American National Bank (ANB) completed in May 2025, adding $374M in deposits and $301M in loans, expanding the South Florida and Florida presence.
Maintained #1 customer satisfaction in the Southeast and received multiple industry awards.
Branch network expanded to 200 offices across high-growth Southeast MSAs.
Financial highlights
Net interest margin expanded to 3.50%, up 14 basis points sequentially and 13 bps year-over-year.
Deposits grew 1.2% annualized excluding deal and public fund seasonality; cost of deposits fell to 2.01%.
Book value per share increased to $28.89; tangible book value per share at $21.00, up 10% year-over-year.
Efficiency ratio (operating) improved to 54.8%, down 222 bps year-over-year.
Noninterest income declined year-over-year, mainly due to lower mortgage servicing asset values and senior debt extinguishment costs.
Outlook and guidance
Management expects continued margin expansion, targeting about 5 basis points in Q3, and ongoing benefit from deposit cost management and asset mix optimization.
Loan growth in Q3 expected to be similar to Q1 (6% annualized), with continued strong activity from Navitas.
Focus remains on conservative lending, credit quality, and leveraging Southeast market growth.
Optimism for organic deposit growth and stable liquidity, supported by strong customer satisfaction.
Cautious optimism amid uncertainties related to tariffs, yield curve, and economic conditions.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next United Community Banks earnings date
Q3 202522 Oct, 2025
Next United Community Banks earnings date
Q3 202522 Oct, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Company Research22 Sep 2025
Moody's: Shaping Global Credit
Explore Moody's evolution from publishing manuals to becoming a giant in credit ratings, guiding issuers, investors, and regulators worldwide.
)
Edge19 Sep 2025
American Express: An Empire of Plastic
How history, brand, and structure have steadily built American Express' moat, and why Warren Buffett still calls it a one-of-a-kind business.
Frequently asked questions
United Community Banks Inc is a bank holding company providing a range of banking, lending, and financial services through United Community Bank. It offers consumer and commercial banking, mortgage products, and financial planning solutions, primarily in the southeastern United States. The company delivers its services through branches, ATMs, and digital platforms. United Community Banks Inc is headquartered in Blairsville, Georgia, and its shares are listed on the NASDAQ.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage