United Community Banks (UCB) Net Margin (2010 - 2026)
United Community Banks (UCB) posted Net Margin of 30.28% for Q1 2026, down 1.85% sequentially from 30.85% in Q4 2025, and up 225.0% YoY from 9.32% in Q1 2025.
United Community Banks (UCB) Net Margin (2010 - 2026) Analysis & Trends
United Community Banks has reported Net Margin for 17 years, with the latest figure at 30.28% in Q1 2026.
- Quarterly Net Margin rose 225.0% year-over-year to 30.28% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 30.45% (up 409.0% YoY) and the FY2025 annual result came in at 29.93%, up 424.0% from the prior year.
- Net Margin retreated to 30.28% in Q1 2026 per UCB's latest filing, from 30.85% in the prior quarter.
- Over five years, Net Margin peaked at 36.54% in Q3 2022 and troughed at 4.94% in Q4 2023.
- A 5-year average of 27.34% and a median of 28.62% in 2023 frame the typical range for Net Margin.
- The sharpest annual moves came in 2023 and 2024: Net Margin tumbled 3055 bps in 2023, then soared 2446 bps in 2024.
- Over 5 years, Net Margin stood at 35.48% in 2022, then tumbled by 86 bps to 4.94% in 2023, then jumped by 495 bps to 29.4% in 2024, then advanced by 5 bps to 30.85% in 2025, then dropped by 2 bps to 30.28% in 2026.
- According to Business Quant data, Net Margin over the past three periods registered 30.28%, 30.85%, and 31.11% for Q1 2026, Q4 2025, and Q3 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.66 Bn | 84.46 Bn | - | - |
| 2 | Pnc Financial Services | 97.86 Bn | 97.86 Bn | - | 28.41% |
| 3 | Us Bancorp | 96.39 Bn | 96.39 Bn | - | 27.30% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.92 Bn | -144.17 Bn | - | 38.78% |
| 6 | Deutsche Bank Aktiengesellschaft | 72.22 Bn | -81.10 Bn | - | 25.60% |
| 7 | Nu Holdings | 70.34 Bn | 56.66 Bn | 2.35 Bn | 25.60% |
| 8 | Truist Financial | 61.75 Bn | 61.75 Bn | - | 28.85% |
| 9 | Fifth Third Bancorp | 49.88 Bn | 26.16 Bn | - | 23.30% |
| 10 | United Community Banks | 4.27 Bn | 3.72 Bn | - | 41.13% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 41.13% |
| Mar 31, 2026 | 30.28% |
| Dec 31, 2025 | 30.85% |
| Sep 30, 2025 | 31.11% |
| Jun 30, 2025 | 29.48% |
| Mar 31, 2025 | 28.03% |
| Dec 31, 2024 | 29.40% |
| Sep 30, 2024 | 20.94% |
| Jun 30, 2024 | 26.37% |
| Mar 31, 2024 | 25.43% |
| Dec 31, 2023 | 4.94% |
| Sep 30, 2023 | 22.90% |
| Jun 30, 2023 | 28.62% |
| Mar 31, 2023 | 27.40% |
| Dec 31, 2022 | 35.48% |
| Sep 30, 2022 | 36.54% |
| Jun 30, 2022 | 31.32% |
| Mar 31, 2022 | 25.64% |
| Dec 31, 2021 | 28.50% |
| Sep 30, 2021 | 37.28% |