United Community Banks forecasts Q4 EPS of $0.80-$0.83
UCB•United Community Banks projects fourth-quarter 2026 EPS of $0.80-$0.83, compared with third-quarter operating EPS of $0.77. It expects net interest margin in the mid-3.70% range and 2027 quarterly reinvestment cash flow of about $340 million.
1. Fourth-quarter outlook
United Community Banks projects fourth-quarter 2026 EPS of $0.80-$0.83, compared with third-quarter operating EPS of $0.77. Net interest margin is expected in the mid-3.70% range, versus 3.68% in the third quarter. The company expects the full-quarter benefit of securities repositioning in the fourth quarter; third-quarter average securities yield rose 37 basis points to 3.34%.
2. Reinvestment cash flow
Projected 2027 quarterly reinvestment cash flow is approximately $340 million, versus $240 million before restructuring.
