KPIs & Operating Metrics(New)
Balance Sheet
Cash Flow Statement
Daily Values
Growth Metrics
Income Statement
Others
Ratios
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) Net Margin (2016 - 2025)

United Community Banks (UCB) has disclosed Net Margin for 16 consecutive years, with 30.85% as the latest value for Q4 2025.

  • Quarterly Net Margin rose 146.0% to 30.85% in Q4 2025 from the year-ago period, while the trailing twelve-month figure was 29.93% through Dec 2025, up 424.0% year-over-year, with the annual reading at 29.93% for FY2025, 424.0% up from the prior year.
  • Net Margin hit 30.85% in Q4 2025 for United Community Banks, down from 31.11% in the prior quarter.
  • In the past five years, Net Margin ranged from a high of 37.83% in Q1 2021 to a low of 4.94% in Q4 2023.
  • Historically, Net Margin has averaged 28.72% across 5 years, with a median of 29.01% in 2023.
  • Biggest five-year swings in Net Margin: tumbled -3055bps in 2023 and later soared 2446bps in 2024.
  • Year by year, Net Margin stood at 28.5% in 2021, then rose by 25bps to 35.48% in 2022, then tumbled by -86bps to 4.94% in 2023, then skyrocketed by 495bps to 29.4% in 2024, then increased by 5bps to 30.85% in 2025.
  • Business Quant data shows Net Margin for UCB at 30.85% in Q4 2025, 31.11% in Q3 2025, and 29.48% in Q2 2025.