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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) EBT Margin (2016 - 2025)

United Community Banks (UCB) has disclosed EBT Margin for 16 consecutive years, with 40.48% as the latest value for Q4 2025.

  • Quarterly EBT Margin rose 204.0% to 40.48% in Q4 2025 from the year-ago period, while the trailing twelve-month figure was 39.73% through Dec 2025, up 581.0% year-over-year, with the annual reading at 39.73% for FY2025, 581.0% up from the prior year.
  • EBT Margin hit 40.48% in Q4 2025 for United Community Banks, down from 42.65% in the prior quarter.
  • In the past five years, EBT Margin ranged from a high of 49.65% in Q3 2021 to a low of 4.37% in Q4 2023.
  • Historically, EBT Margin has averaged 37.92% across 5 years, with a median of 38.27% in 2024.
  • Biggest five-year swings in EBT Margin: tumbled -4311bps in 2023 and later surged 3406bps in 2024.
  • Year by year, EBT Margin stood at 37.76% in 2021, then increased by 26bps to 47.48% in 2022, then plummeted by -91bps to 4.37% in 2023, then surged by 780bps to 38.43% in 2024, then rose by 5bps to 40.48% in 2025.
  • Business Quant data shows EBT Margin for UCB at 40.48% in Q4 2025, 42.65% in Q3 2025, and 38.62% in Q2 2025.