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Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

United Community Banks (UCB) EBITDA Margin (2016 - 2025)

United Community Banks (UCB) has disclosed EBITDA Margin for 16 consecutive years, with 44.66% as the latest value for Q4 2025.

  • Quarterly EBITDA Margin rose 261.0% to 44.66% in Q4 2025 from the year-ago period, while the trailing twelve-month figure was 43.5% through Dec 2025, up 510.0% year-over-year, with the annual reading at 43.5% for FY2025, 510.0% up from the prior year.
  • EBITDA Margin hit 44.66% in Q4 2025 for United Community Banks, roughly flat from 44.63% in the prior quarter.
  • In the past five years, EBITDA Margin ranged from a high of 48.38% in Q3 2021 to a low of 27.95% in Q3 2023.
  • Historically, EBITDA Margin has averaged 40.59% across 5 years, with a median of 41.08% in 2022.
  • Biggest five-year swings in EBITDA Margin: skyrocketed 2258bps in 2021 and later crashed -1884bps in 2023.
  • Year by year, EBITDA Margin stood at 36.42% in 2021, then rose by 28bps to 46.76% in 2022, then fell by -18bps to 38.56% in 2023, then rose by 9bps to 42.05% in 2024, then grew by 6bps to 44.66% in 2025.
  • Business Quant data shows EBITDA Margin for UCB at 44.66% in Q4 2025, 44.63% in Q3 2025, and 42.26% in Q2 2025.