United Community Banks (UCB) FCF Margin (2010 - 2026)
United Community Banks (UCB) posted FCF Margin of 22.55% for Q1 2026, up 5.14% sequentially from 21.45% in Q4 2025, and down 1553.0% YoY from 1.55% in Q1 2025.
United Community Banks (UCB) FCF Margin (2010 - 2026) Analysis & Trends
United Community Banks has reported FCF Margin for 17 years, with the latest figure at 22.55% in Q1 2026.
- Quarterly FCF Margin fell 1553.0% year-over-year to 22.55% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 29.72% (down 378.0% YoY) and the FY2025 annual result came in at 33.53%, up 174.0% from the prior year.
- FCF Margin improved to 22.55% in Q1 2026 per UCB's latest filing, from 21.45% in the prior quarter.
- Over five years, FCF Margin peaked at 107.5% in Q1 2022 and troughed at 1.01% in Q3 2024.
- A 5-year average of 39.09% and a median of 35.16% in 2023 frame the typical range for FCF Margin.
- The sharpest annual moves came in 2022 and 2023: FCF Margin soared 9049 bps in 2022, then plunged 7681 bps in 2023.
- Over 5 years, FCF Margin stood at 36.93% in 2022, then tumbled by 91 bps to 3.31% in 2023, then soared by 1617 bps to 56.83% in 2024, then tumbled by 62 bps to 21.45% in 2025, then climbed by 5 bps to 22.55% in 2026.
- According to Business Quant data, FCF Margin over the past three periods registered 22.55%, 21.45%, and 42.52% for Q1 2026, Q4 2025, and Q3 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 119.58 Bn | 83.39 Bn | - | - |
| 2 | Pnc Financial Services | 97.75 Bn | 97.75 Bn | - | 31.23% |
| 3 | Us Bancorp | 96.33 Bn | 96.33 Bn | - | 62.71% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 73.86 Bn | -145.23 Bn | - | - |
| 6 | Deutsche Bank Aktiengesellschaft | 71.72 Bn | -81.60 Bn | - | - |
| 7 | Nu Holdings | 68.51 Bn | 54.82 Bn | 2.35 Bn | - |
| 8 | Truist Financial | 61.69 Bn | 61.69 Bn | - | 18.14% |
| 9 | Fifth Third Bancorp | 49.73 Bn | 26.00 Bn | - | - |
| 10 | United Community Banks | 4.27 Bn | 3.73 Bn | - | 43.47% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 43.47% |
| Mar 31, 2026 | 22.55% |
| Dec 31, 2025 | 21.45% |
| Sep 30, 2025 | 42.52% |
| Jun 30, 2025 | 32.55% |
| Mar 31, 2025 | 38.08% |
| Dec 31, 2024 | 56.83% |
| Sep 30, 2024 | -1.01% |
| Jun 30, 2024 | 35.57% |
| Mar 31, 2024 | 31.46% |
| Dec 31, 2023 | 3.31% |
| Sep 30, 2023 | 35.16% |
| Jun 30, 2023 | 34.46% |
| Mar 31, 2023 | 30.69% |
| Dec 31, 2022 | 36.93% |
| Sep 30, 2022 | 70.02% |
| Jun 30, 2022 | 66.49% |
| Mar 31, 2022 | 107.50% |
| Dec 31, 2021 | 39.72% |
| Sep 30, 2021 | 59.99% |