United Community Banks

Q3 FY2026 EarningsQ3 FY26 operating results beat consensus on top-line revenue and net interest margin (NIM), despite a large GAAP loss driven by strategic balance sheet restructuring. Operating revenue was $291.9M vs. $282.1M expected, supported by a NIM of 3.68% which exceeded the 3.61% forecast. Normalized EPS of $0.77 was in-line with consensus. The quarter was defined by the $2.03B sale of Navitas and a massive securities portfolio repositioning (involving a $366M pre-tax loss) to reduce interest rate risk and improve future asset yields.