United Community Banks (UCB) Operating Margin (2019 - 2026)

United Community Banks has disclosed Operating Margin across 8 years of filings, most recently posting 42.18% for Q1 2026.

• Operating Margin for Q1 2026 came in at 42.18%, down 5.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 43.45% (up 409.0% YoY), and the FY2025 annual result was 43.5%, up 510.0% from the prior year.
• Operating Margin came in at 42.18% for Q1 2026 at United Community Banks, down 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.
• The 5-year median for Operating Margin is 40.11% (2022), against an average of 39.63%.
• Across the five-year window, Operating Margin sank 1884 bps in 2023 and soared 1150 bps in 2025, its largest moves.
• United Community Banks' Operating Margin stood at 46.76% in 2022, then retreated by 18 bps to 38.56% in 2023, then gained by 9 bps to 42.05% in 2024, then advanced by 6 bps to 44.66% in 2025, then retreated by 6 bps to 42.18% in 2026.
• The last three Operating Margin figures came in at 42.18% (Q1 2026), 44.66% (Q4 2025), and 44.63% (Q3 2025), per Business Quant data.