United Community Banks (UCB) EBT Margin (2010 - 2026)
United Community Banks (UCB) recorded EBT Margin of 53.41% in Q2 2026, up 14.79 percentage points from 38.62% a year earlier and up 14.22 percentage points from the prior quarter.
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Analysis
United Community Banks (UCB) EBT Margin (2010 - 2026) Analysis & Trends
On a TTM basis, United Community Banks' EBT Margin came in at 43.95% as of Jun 30, 2026, up 8.31 percentage points year-over-year; for FY2025, it came in at 39.73%, up 5.81 percentage points from FY2024.
- Annual EBT Margin has a five-year change of +3.46 percentage points (FY2020 to FY2025).
- Across earlier years, EBT Margin came in at 33.92% in FY2024 (+7.89 pp), 26.03% in FY2023 (-17.06 pp), 43.09% in FY2022 (-3.63 pp) and 46.72% in FY2021 (+10.45 pp).
- The Q2 2026 figure is the highest quarterly EBT Margin since Q4 2011.
- On a year-over-year basis, EBT Margin has increased for seven consecutive quarters, with an average year-over-year change of +9.15 percentage points over the last eight quarters.
- Peak year-over-year performance for EBT Margin in the last five years was a gain of 34.06 percentage points in Q4 2024, against a drop of 43.11 percentage points in Q4 2023 at the low end.
- Per Business Quant, the preceding three quarters came in at 39.19% (Q1 2026), 40.48% (Q4 2025) and 42.65% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 879.54 Bn | 909.01 Bn | - | 47.98% |
| 2 | Banco Santander Chile | 418.48 Bn | 538.42 Bn | - | - |
| 3 | Bank Of America | 381.92 Bn | -1,994.15 Bn | - | 36.65% |
| 4 | Hsbc Holdings | 341.10 Bn | 341.15 Bn | - | - |
| 5 | Morgan Stanley | 295.71 Bn | -213.38 Bn | - | 34.42% |
| 6 | Royal Bank Of Canada | 275.38 Bn | 126.13 Bn | - | 41.80% |
| 7 | Mitsubishi Ufj Financial | 273.79 Bn | -1,314.70 Bn | 10.89 Bn | - |
| 8 | Goldman Sachs | 262.78 Bn | -3,294.34 Bn | - | 42.10% |
| 9 | Wells Fargo & Company | 242.61 Bn | 244.75 Bn | - | 35.57% |
| 10 | United Community Banks | 3.99 Bn | 3.45 Bn | - | 53.41% |
Historic Data
Download Data
Historic 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% |
API Access
United Community Banks EBT Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebt-margin&ticker=UCB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt-margin", "ticker": "UCB", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebt-margin&ticker=UCB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();