United Community Banks (UCB) Operating Margin (2019 - 2026)
United Community Banks (UCB) reported Operating Margin of 42.18% for Q1 2026, down 5.0% on a YoY basis from 44.4% in Q1 2025, and down 5.56% sequentially from 44.66% in Q4 2025.
United Community Banks (UCB) Operating Margin (2019 - 2026) Analysis & Trends
United Community Banks (UCB) has 8 years of Operating Margin data on file, last reported at 42.18% in Q1 2026.
- For the quarter ending Q1 2026, Operating Margin fell 5.0% year-over-year to 42.18%; the trailing twelve-month figure through Mar 2026 stood at 43.45% (up 409.0% YoY), and the FY2025 full-year result was 43.5%, up 510.0% from the prior year.
- Operating Margin retreated to 42.18% in Q1 2026, from 44.66% in the prior quarter.
- In the past five years, Operating Margin ranged from a high of 46.79% in Q3 2022 to a low of 27.95% in Q3 2023.
- A 5-year average of 39.63% and a median of 40.11% in 2022 frame the typical range for Operating Margin.
- Across the five-year window, Operating Margin tumbled 1884 bps in 2023 and soared 1150 bps in 2025, its largest moves.
- Tracing UCB's Operating Margin over 5 years: stood at 46.76% in 2022, then fell by 18 bps to 38.56% in 2023, then rose by 9 bps to 42.05% in 2024, then gained by 6 bps to 44.66% in 2025, then fell by 6 bps to 42.18% in 2026.
- Business Quant data shows UCB's Operating Margin at 42.18% in Q1 2026, 44.66% in Q4 2025, and 44.63% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | KB Financial | 42,090.38 Bn | 42,090.38 Bn | -786,828.77 | 258,184.93% |
| 2 | Shinhan Financial | 33,919.15 Bn | 33,919.15 Bn | - | 779.48% |
| 3 | Bank Of Chile | 4,123.52 Bn | 4,123.52 Bn | 167,623.00 | 167.25% |
| 4 | Lloyds Banking | 360.83 Bn | 360.83 Bn | - | - |
| 5 | First Capital | 204.17 Bn | 203.82 Bn | - | - |
| 6 | Landmark Bancorp | 187.97 Bn | 187.94 Bn | - | - |
| 7 | NatWest | 144.82 Bn | -51.17 Bn | - | - |
| 8 | Pnc Financial Services | 101.80 Bn | 101.80 Bn | - | - |
| 9 | Us Bancorp | 99.51 Bn | 99.51 Bn | - | - |
| 10 | United Community Banks | 4.25 Bn | 3.66 Bn | 273.93 Mn | 42.18% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 42.18% |
| Dec 31, 2025 | 44.66% |
| Sep 30, 2025 | 44.63% |
| Jun 30, 2025 | 42.26% |
| Mar 31, 2025 | 42.23% |
| Dec 31, 2024 | 42.05% |
| Sep 30, 2024 | 33.13% |
| Jun 30, 2024 | 39.22% |
| Mar 31, 2024 | 38.50% |
| Dec 31, 2023 | 38.56% |
| Sep 30, 2023 | 27.95% |
| Jun 30, 2023 | 36.92% |
| Mar 31, 2023 | 35.37% |
| Dec 31, 2022 | 46.76% |
| Sep 30, 2022 | 46.79% |
| Jun 30, 2022 | 40.11% |
| Mar 31, 2022 | 32.30% |
| Dec 31, 2021 | 36.42% |
| Sep 30, 2021 | 48.38% |
| Jun 30, 2021 | 47.43% |