How often does United Community Banks move more than the options market prices?

1 of the last 8 reports moved at least as far as the implied move.

UCBNYSEState Commercial Banks

United Community Banks Inc (UCB) earnings date, market-implied expected move, and options open interest by expiry

37.63

pre 37.08 +0.11%

Pre-market04:38 ETdelayed

Open37.07Volume1.0MMkt cap$4.5BP/E12.16EPS3.05Div yield2.68%

Day37.07 – 37.08100%52-wk27.78 – 37.9392%

UCB

United Community Banks Inc

OpenVolumeMkt capP/EEPSDiv yield

Day – 52-wk –

Expected move

No implied move.

Expected move

Inputs

Next report

Jan 13

before open · in 70 days

est.Q4 FY26

Calendar

Next report

Last report

+5.00%

vs ±4.9% implied · ×1.03

shaded = implied · ▲▼ = realized

Oct 20 '26 · confirmed

Implied vs realized

Largest filed tie

—

Supply chain

13F top-10 QoQ

−1.20%

shares held · 10 largest managers

13F · Jun 30 '26127d lag

367 managers

Top fund weight

0.12%

UCB weight · IWM

N-PORTJun 30 '26

5 funds

Last reportshaded = implied▲▼ = realized× = |realized| ÷ implied

United Community Banks (UCB) is expected to report on Jan 13 before open (estimated date).

Implied vs realized

8 reports

1 of 8≥ implied

avg implied: ±11.2%
avg realized: ±2.9%

Jan 22 '25Jan 22 '25confirmed±9.2%▼−0.90%×0.10

Apr 22 '25Apr 22 '25confirmed±18.5%▲+6.88%×0.37

Jul 23 '25Jul 23 '25confirmed±13.4%▲+2.11%×0.16

Oct 22 '25Oct 22 '25confirmed±12.6%▼−0.53%×0.04

Jan 14 '26Jan 14 '26confirmed±7.8%▲+2.80%×0.36

Q1 FY26Apr 21 '26confirmed±11.8%▼−3.29%×0.28

Q2 FY26Jul 21 '26confirmed±11.4%▼−1.89%×0.17

Oct 20 '26Oct 20 '26confirmed±4.9%▲+5.00%×1.03

quarterimplied−20%0+20%realized×

Oct '26±4.9%▲+5.00%×1.03

Q2 FY26±11.4%

Shaded = implied · tick ▲▼ = realized · × = |realized| ÷ impliedSource: options EOD · implied at prior close · realized close to close

Implied vs realized

Positioning

OI · 1 expiry · Aug 31 close

0.00OI · 1 expiry · Aug 31 closeP/C open interest · Dec 18 · nearest expiry

PUTS · chgexpiry · days · P/CCALLS · chgP/C

0—Dec 1844d40%

ExpiryPutsCallsP/C

Dec 1844d0—40%0.00

Hatched = puts · solid = calls · bars scaled per expiry · chg = OI vs prior sessionSource: options EOD

Positioning

Linked exposure

No implied move.

Linked exposure

Revenue flow

as filedQ2 FY26

41.41%as filednet margin · revenue +1.00% QoQ · +7.32% YoY

Revenue$279M+1.00%

Pre-tax income$149M+37.67%

Net income$116M41.41%+37.19%

Tax$34M+39.33%

Source: SEC filings · standardized · QE Jun 30 '26 · bars = % of revenue

Revenue flow

Intraday

15m bars

Hatch = extended hours · ▯ up · ▮ downSource: market data · 04:30 ET

Intraday

Event sensitivity

FOMC ×1.44· ±2.0% vs ±1.4% · 24 releases

eventrelease day|move|up · n×base

FOMCrate decision±2.0%11 of 24×1.44

PPIproducer prices±1.7%5 of 10×1.24

CPROFcorporate profits±1.1%6 of 12×0.80

NFPjobs report±1.0%3 of 10×0.74

GDPgross domestic product±0.8%10 of 19×0.56

PCEpersonal income & outlays±0.7%9 of 19×0.54

CPIconsumer prices±0.6%6 of 10×0.45

Bar = avg |move| to ±2% · tick = ±1.4% avg day · ×base = |move| ÷ ±1.4% · min 6 releases

Earnings history

EPS 0.95 · consensus —

Quarter	Reported	EPS	Consensus
Q2 FY26	Jul 21 '26 · confirmed	0.95	—
Q1 FY26	Apr 21 '26 · confirmed	0.69	—

Source: filed financials

Methodology

ties · implied moves · holdersMethod