United Community Banks (UCB) EBITDA Margin (2010 - 2026)
United Community Banks (UCB) posted EBITDA Margin of 42.18% for Q1 2026, down 5.56% sequentially from 44.66% in Q4 2025, and down 5.0% YoY from 44.4% in Q1 2025.
United Community Banks (UCB) EBITDA Margin (2010 - 2026) Analysis & Trends
United Community Banks has reported EBITDA Margin for 17 years, with the latest figure at 42.18% in Q1 2026.
- Quarterly EBITDA Margin fell 5.0% year-over-year to 42.18% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 43.45% (up 409.0% YoY) and the FY2025 annual result came in at 43.5%, up 510.0% from the prior year.
- EBITDA Margin retreated to 42.18% in Q1 2026 per UCB's latest filing, from 44.66% in the prior quarter.
- Over five years, EBITDA Margin peaked at 46.79% in Q3 2022 and troughed at 27.95% in Q3 2023.
- A 5-year average of 39.63% and a median of 40.11% in 2022 frame the typical range for EBITDA Margin.
- The sharpest annual moves came in 2023 and 2025: EBITDA Margin sank 1884 bps in 2023, then surged 1150 bps in 2025.
- Over 5 years, EBITDA Margin stood at 46.76% in 2022, then slipped by 18 bps to 38.56% in 2023, then climbed by 9 bps to 42.05% in 2024, then grew by 6 bps to 44.66% in 2025, then slipped by 6 bps to 42.18% in 2026.
- According to Business Quant data, EBITDA Margin over the past three periods registered 42.18%, 44.66%, and 44.63% for Q1 2026, Q4 2025, and Q3 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 119.58 Bn | 83.39 Bn | - | - |
| 2 | Pnc Financial Services | 97.75 Bn | 97.75 Bn | - | 75.24% |
| 3 | Us Bancorp | 96.33 Bn | 96.33 Bn | - | 77.50% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 73.86 Bn | -145.23 Bn | - | -20.34% |
| 6 | Deutsche Bank Aktiengesellschaft | 71.72 Bn | -81.60 Bn | - | 111.11% |
| 7 | Nu Holdings | 68.51 Bn | 54.82 Bn | 2.35 Bn | 53.44% |
| 8 | Truist Financial | 61.69 Bn | 61.69 Bn | - | 79.03% |
| 9 | Fifth Third Bancorp | 49.73 Bn | 26.00 Bn | - | 66.98% |
| 10 | United Community Banks | 4.27 Bn | 3.73 Bn | - | 90.46% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 41.63% |
| Mar 31, 2026 | 42.18% |
| Dec 31, 2025 | 44.66% |
| Sep 30, 2025 | 44.63% |
| Jun 30, 2025 | 42.26% |
| Mar 31, 2025 | 42.23% |
| Dec 31, 2024 | 42.05% |
| Sep 30, 2024 | 33.13% |
| Jun 30, 2024 | 39.22% |
| Mar 31, 2024 | 38.50% |
| Dec 31, 2023 | 38.56% |
| Sep 30, 2023 | 27.95% |
| Jun 30, 2023 | 36.92% |
| Mar 31, 2023 | 35.37% |
| Dec 31, 2022 | 46.76% |
| Sep 30, 2022 | 46.79% |
| Jun 30, 2022 | 40.11% |
| Mar 31, 2022 | 32.30% |
| Dec 31, 2021 | 36.42% |
| Sep 30, 2021 | 48.38% |