United Community Banks (UCB) EBT Margin (2010 - 2026)
United Community Banks (UCB) posted EBT Margin of 39.19% for Q1 2026, down 3.18% sequentially from 40.48% in Q4 2025, and up 238.0% YoY from 11.59% in Q1 2025.
United Community Banks (UCB) EBT Margin (2010 - 2026) Analysis & Trends
United Community Banks has reported EBT Margin for 17 years, with the latest figure at 39.19% in Q1 2026.
- Quarterly EBT Margin rose 238.0% year-over-year to 39.19% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 40.26% (up 557.0% YoY) and the FY2025 annual result came in at 39.73%, up 581.0% from the prior year.
- EBT Margin slipped to 39.19% in Q1 2026 per UCB's latest filing, from 40.48% in the prior quarter.
- Over five years, EBT Margin peaked at 47.87% in Q3 2022 and troughed at 4.37% in Q4 2023.
- A 5-year average of 35.96% and a median of 38.1% in 2023 frame the typical range for EBT Margin.
- The sharpest annual moves came in 2023 and 2024: EBT Margin tumbled 4311 bps in 2023, then surged 3406 bps in 2024.
- Over 5 years, EBT Margin stood at 47.48% in 2022, then tumbled by 91 bps to 4.37% in 2023, then surged by 780 bps to 38.43% in 2024, then rose by 5 bps to 40.48% in 2025, then decreased by 3 bps to 39.19% in 2026.
- According to Business Quant data, EBT Margin over the past three periods registered 39.19%, 40.48%, and 42.65% for Q1 2026, Q4 2025, and Q3 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.61 Bn | 84.41 Bn | - | - |
| 2 | Pnc Financial Services | 98.45 Bn | 98.45 Bn | - | 37.61% |
| 3 | Us Bancorp | 96.58 Bn | 96.58 Bn | - | 35.39% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.96 Bn | -144.13 Bn | - | 55.27% |
| 6 | Deutsche Bank Aktiengesellschaft | 72.19 Bn | -81.12 Bn | - | 36.74% |
| 7 | Nu Holdings | 70.42 Bn | 56.73 Bn | 2.35 Bn | 22.42% |
| 8 | Truist Financial | 62.04 Bn | 62.04 Bn | - | 34.47% |
| 9 | Fifth Third Bancorp | 49.90 Bn | 26.18 Bn | - | 31.64% |
| 10 | United Community Banks | 4.29 Bn | 3.74 Bn | - | 53.41% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 53.41% |
| Mar 31, 2026 | 39.19% |
| Dec 31, 2025 | 40.48% |
| Sep 30, 2025 | 42.65% |
| Jun 30, 2025 | 38.62% |
| Mar 31, 2025 | 36.81% |
| Dec 31, 2024 | 38.43% |
| Sep 30, 2024 | 27.52% |
| Jun 30, 2024 | 35.06% |
| Mar 31, 2024 | 33.86% |
| Dec 31, 2023 | 4.37% |
| Sep 30, 2023 | 29.27% |
| Jun 30, 2023 | 38.10% |
| Mar 31, 2023 | 36.42% |
| Dec 31, 2022 | 47.48% |
| Sep 30, 2022 | 47.87% |
| Jun 30, 2022 | 41.58% |
| Mar 31, 2022 | 33.62% |
| Dec 31, 2021 | 37.76% |
| Sep 30, 2021 | 49.65% |