United Community Banks (UCB) Return on Invested Capital [ROIC] (2011 - 2026)
United Community Banks' Return on Invested Capital [ROIC] came in at 16.39% for Q2 2026, down 1.73 percentage points from 18.12% a year earlier and down 1.75 percentage points from the prior quarter.
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Analysis
United Community Banks (UCB) Return on Invested Capital [ROIC] (2011 - 2026) Analysis & Trends
For FY2025, United Community Banks' Return on Invested Capital [ROIC] was 18.02%, down 0.26 percentage points from FY2024.
- Return on Invested Capital [ROIC] carries a five-year change of +8.07 percentage points (FY2020 to FY2025).
- Going back by year, Return on Invested Capital [ROIC] was 18.28% in FY2024 (+3.91 pp), 14.36% in FY2023 (+3.89 pp), 10.47% in FY2022 (-1.72 pp) and 12.19% in FY2021 (+2.24 pp).
- The Q2 2026 figure represents the lowest quarterly Return on Invested Capital [ROIC] since Q1 2024.
- Year-over-year, Return on Invested Capital [ROIC] increased in seven of the last eight quarters, with an average year-over-year change of +1.19 percentage points.
- The fastest year-over-year change in Return on Invested Capital [ROIC] over five years came in Q1 2024 (a gain of 5.37 percentage points), and the weakest in Q3 2022 (a drop of 3.56 percentage points).
- Business Quant data shows UCB's Return on Invested Capital [ROIC] at 18.15% (Q1 2026), 18.33% (Q4 2025) and 18.84% (Q3 2025) in the three quarters before Q2 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROIC (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 916.35 Bn | 916.35 Bn | - | 15.72% |
| 2 | Bank Of America | 362.64 Bn | -2,013.47 Bn | - | 12.95% |
| 3 | Hsbc Holdings | 313.23 Bn | -1,790.36 Bn | - | - |
| 4 | Morgan Stanley | 292.92 Bn | -251.11 Bn | - | 11.83% |
| 5 | Royal Bank Of Canada | 287.42 Bn | -542.62 Bn | - | 49.26% |
| 6 | Goldman Sachs | 268.86 Bn | -3,474.59 Bn | - | 13.88% |
| 7 | Wells Fargo & Company | 258.79 Bn | 258.79 Bn | - | 15.09% |
| 8 | Mitsubishi Ufj Financial | 246.92 Bn | -94.47 Bn | 10.89 Bn | 3.69% |
| 9 | American Express | 218.99 Bn | 18.47 Bn | - | 19.59% |
| 10 | United Community Banks | 4.53 Bn | 4.24 Bn | - | 11.36% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 11.36% |
| Jun 30, 2026 | 16.39% |
| Mar 31, 2026 | 18.15% |
| Dec 31, 2025 | 18.33% |
| Sep 30, 2025 | 18.84% |
| Jun 30, 2025 | 18.12% |
| Mar 31, 2025 | 17.84% |
| Dec 31, 2024 | 17.95% |
| Sep 30, 2024 | 17.12% |
| Jun 30, 2024 | 16.97% |
| Mar 31, 2024 | 16.13% |
| Dec 31, 2023 | 14.74% |
| Sep 30, 2023 | 14.34% |
| Jun 30, 2023 | 13.10% |
| Mar 31, 2023 | 10.76% |
| Dec 31, 2022 | 9.71% |
| Sep 30, 2022 | 9.31% |
| Jun 30, 2022 | 8.78% |
| Mar 31, 2022 | 9.67% |
| Dec 31, 2021 | 12.11% |
API Access
United Community Banks Return on Invested Capital [ROIC] API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=return-on-invested-capital-%5Broic%5D&ticker=UCB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-invested-capital-[roic]", "ticker": "UCB", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=return-on-invested-capital-%5Broic%5D&ticker=UCB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();