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HOMB vs UCB
Home BancShares (HOMB) vs United Community Banks (UCB) Earnings Preview: Q1 Insights Ahead
Key Takeaways
- Both HOMB and UCB report Q1 2026 earnings soon, with HOMB on April 15 (after close) and UCB on April 21 (before open).
- Analysts project HOMB Q1 EPS at $0.59-$0.60 on $272-$274M revenue; recent Q4 beat revenue estimates with $0.60 EPS and $282M revenue.
- UCB consensus eyes $0.70 EPS on ~$274M revenue; Q4 delivered $0.71 EPS (operating) and $278M revenue, up 11% YoY.
- HOMB shows superior NIM at 4.61% and ROAA of 2.10% (top-ranked); UCB NIM at 3.62% with steady loan growth.
- Both regional banks emphasize margin expansion and credit stability amid Southeast focus.
Earnings Context and Why This Comparison Matters
Quarterly earnings remain pivotal for regional banks like HOMB (parent of Centennial Bank) and UCB (United Community Banks), as they spotlight net interest margin (NIM, the spread between interest income and funding costs), loan growth, and deposit stability in a high-rate environment. Both operate primarily in the Southeast U.S., competing in commercial real estate, small business, and consumer lending. Investors watch these reports for signals on asset quality, provision for credit losses (PCL, reserves for potential loan defaults), and efficiency ratios, especially post-Q4 2025 strength where both posted double-digit YoY income gains. This matchup highlights execution in margin discipline and growth amid economic shifts.
Home BancShares Focus
Home BancShares (HOMB) will release Q1 2026 results after market close on April 15, followed by a conference call on April 16. Analysts forecast EPS of $0.59-$0.60 and revenue around $272-$274 million, reflecting modest growth from prior quarters. Building on Q4 2025's $118.2 million net income ($0.60 EPS, meeting estimates) and record annual $475.4 million profit (up 18% YoY), focus areas include sustained NIM expansion to 4.61%, $400 million loan growth, and sub-40% efficiency ratio. ROAA hit 2.10% for 2025, leading peers over $10B assets per S&P Global. Investors eye loan yields (7.23%) and deposit costs (2.47%) for ongoing profitability.
United Community Banks Context
United Community Banks (UCB) reports Q1 2026 on April 21, with a same-day call. Consensus points to $0.70 EPS and ~$274 million revenue. Q4 2025 showed $86.5 million net income ($0.71 operating EPS, up 13% YoY) and $278.4 million revenue (up 11%), driving full-year EPS to $2.62 (up 28%). NIM rose to 3.62% (up 36 bps YoY), supported by 4.4% annualized loan growth and low non-performers. ROTCE (return on tangible common equity) reached 13.3%, with stable credit metrics. Pre-tax, pre-provision income climbed to $126.3 million, underscoring operating leverage.
Head-to-Head Earnings and Market Comparison
HOMB edges in scale (~$23B assets) and profitability (ROAA 2.10%, NIM 4.61%), fueled by aggressive loan expansion and top-ranked efficiency. UCB (~$14B assets per recent trends) counters with consistent revenue beats, NIM gains, and ROTCE strength at 13.3%. Both exhibit low credit risk, with stable non-performing assets. Growth drivers favor HOMB's M&A history, while UCB leverages share repurchases. Sentiment tilts positive on margin resilience, though rate sensitivity poses risks. Q1 previews could affirm HOMB's edge in EPS trajectory.
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Tickeron AI Verdict
Tickeron AI currently favors HOMB (65% probability) over UCB due to superior earnings quality, higher NIM/ROAA stability, and stronger trend momentum entering Q1 reports.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is HOMB is a StrongBuy and UCB is a StrongBuy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
HOMB’s FA Score shows that 1 FA rating(s) are green whileUCB’s FA Score has 1 green FA rating(s).
- HOMB’s FA Score: 1 green, 4 red.
- UCB’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
HOMB’s TA Score shows that 5 TA indicator(s) are bullish while UCB’s TA Score has 6 bullish TA indicator(s).
- HOMB’s TA Score: 5 bullish, 3 bearish.
- UCB’s TA Score: 6 bullish, 3 bearish.
Price Growth
HOMB (@Regional Banks) experienced а +1.35% price change this week, while UCB (@Regional Banks) price change was +1.18% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +0.69%. For the same industry, the average monthly price growth was +0.66%, and the average quarterly price growth was +12.20%.
Reported Earning Dates
HOMB is expected to report earnings on Jul 16, 2026.
UCB is expected to report earnings on Jul 21, 2026.
Industries' Descriptions
@Regional Banks (+0.69% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| HOMB | UCB | HOMB / UCB | |
| Capitalization | 5.46B | 3.99B | 137% |
| EBITDA | N/A | N/A | - |
| Gain YTD | -0.899 | 7.683 | -12% |
| P/E Ratio | 11.16 | 12.21 | 91% |
| Revenue | 1.08B | 1.07B | 101% |
| Total Cash | 237M | 203M | 117% |
| Total Debt | 780M | 120M | 650% |
HOMB | UCB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 18 | 68 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 47 Fair valued | 53 Fair valued | |
PROFIT vs RISK RATING 1..100 | 71 | 95 | |
SMR RATING 1..100 | 27 | 28 | |
PRICE GROWTH RATING 1..100 | 55 | 48 | |
P/E GROWTH RATING 1..100 | 69 | 61 | |
SEASONALITY SCORE 1..100 | 43 | 55 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
HOMB's Valuation (47) in the Regional Banks industry is in the same range as UCB (53). This means that HOMB’s stock grew similarly to UCB’s over the last 12 months.
HOMB's Profit vs Risk Rating (71) in the Regional Banks industry is in the same range as UCB (95). This means that HOMB’s stock grew similarly to UCB’s over the last 12 months.
HOMB's SMR Rating (27) in the Regional Banks industry is in the same range as UCB (28). This means that HOMB’s stock grew similarly to UCB’s over the last 12 months.
UCB's Price Growth Rating (48) in the Regional Banks industry is in the same range as HOMB (55). This means that UCB’s stock grew similarly to HOMB’s over the last 12 months.
UCB's P/E Growth Rating (61) in the Regional Banks industry is in the same range as HOMB (69). This means that UCB’s stock grew similarly to HOMB’s over the last 12 months.
| HOMB | UCB | |
|---|---|---|
| RSI ODDS (%) | N/A | N/A |
| Stochastic ODDS (%) | 3 days ago 55% | 3 days ago 62% |
| Momentum ODDS (%) | 3 days ago 65% | 3 days ago 60% |
| MACD ODDS (%) | 3 days ago 62% | 3 days ago 59% |
| TrendWeek ODDS (%) | 3 days ago 54% | 3 days ago 58% |
| TrendMonth ODDS (%) | 3 days ago 49% | 3 days ago 62% |
| Advances ODDS (%) | 3 days ago 56% | 3 days ago 56% |
| Declines ODDS (%) | 7 days ago 54% | 7 days ago 69% |
| BollingerBands ODDS (%) | 3 days ago 62% | 3 days ago 61% |
| Aroon ODDS (%) | 3 days ago 48% | 3 days ago 60% |
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HOMB and
Correlation & Price change
A.I.dvisor indicates that over the last year, HOMB has been closely correlated with INDB. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if HOMB jumps, then INDB could also see price increases.
| Ticker / NAME | Correlation To HOMB | 1D Price Change % | ||
|---|---|---|---|---|
| HOMB | 100% | +1.04% | ||
| INDB - HOMB | 88% Closely correlated | +1.05% | ||
| FULT - HOMB | 87% Closely correlated | +0.14% | ||
| UBSI - HOMB | 87% Closely correlated | +0.41% | ||
| FNB - HOMB | 87% Closely correlated | +0.28% | ||
| UCB - HOMB | 86% Closely correlated | +0.36% | ||
More | ||||