United Community Banks Ratios (2010-2025) | UCB

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Ratios	Jun2010	Sep2010	Dec2010	Mar2011	Jun2011	Sep2011	Dec2011	Mar2012	Jun2012	Sep2012	Dec2012	Mar2013	Jun2013	Sep2013	Dec2013	Mar2014	Jun2014	Sep2014	Dec2014	Mar2015	Jun2015	Sep2015	Dec2015	Mar2016	Jun2016	Sep2016	Dec2016	Mar2017	Jun2017	Sep2017	Dec2017	Mar2018	Jun2018	Sep2018	Dec2018	Mar2019	Jun2019	Sep2019	Dec2019	Mar2020	Jun2020	Sep2020	Dec2020	Mar2021	Jun2021	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025
Profitability
Gross Margin																																				98.25%	98.12%	98.24%	98.67%	98.12%	97.25%	98.04%	98.66%	98.48%	98.31%	98.73%	98.66%	98.68%	98.53%	98.92%	99.28%	98.95%	98.82%	98.68%	98.69%	99.23%	99.18%	98.98%	98.84%	99.20%	99.10%	99.12%
EBT Margin	2,251.49%	-1,160.04%	-79.94%	-194.33%	20.67%	-35.39%	139.77%	20.14%	13.56%	18.89%	10.07%	22.01%	-121.86%	38.42%	36.97%	38.49%	39.06%	40.03%	40.92%	39.46%	37.41%	34.63%	30.88%	38.26%	41.18%	39.40%	42.24%	40.07%	41.47%	39.94%	35.82%	39.72%	40.89%	42.21%	42.39%	42.92%	41.17%	42.92%	43.19%	33.29%	27.60%	38.21%	42.08%	49.65%	49.13%	49.65%	37.76%	33.62%	41.58%	47.87%	47.48%	36.42%	38.10%	29.27%	6.73%	33.86%	35.06%	27.52%	48.23%	36.81%	38.62%	42.65%
EBIT Margin	1,130.22%	-1,048.69%	-21.50%	-178.31%	49.95%	9.03%	428.07%	39.46%	32.96%	34.48%	24.26%	35.44%	-89.34%	49.43%	45.78%	48.46%	49.34%	49.27%	49.41%	46.90%	43.63%	41.14%	36.79%	44.41%	47.43%	45.51%	48.69%	47.13%	48.89%	48.23%	43.64%	49.57%	51.46%	54.56%	56.36%	41.17%	39.29%	41.16%	41.86%	31.41%	24.85%	36.25%	40.74%	48.12%	47.43%	48.38%	36.42%	32.30%	40.11%	46.79%	46.76%	35.37%	36.92%	27.95%	5.41%	38.50%	39.22%	33.13%	27.28%	42.23%	42.26%	44.63%
EBITDA Margin	1,130.22%	-1,048.69%	-21.50%	-178.31%	-396.01%	-51.52%	428.07%	39.46%	11.26%	20.52%	24.26%	35.44%	-89.34%	49.43%	45.78%	48.46%	49.34%	49.27%	49.41%	46.90%	43.63%	41.14%	36.79%	44.41%	47.43%	45.51%	48.69%	47.13%	48.89%	48.23%	43.64%	49.57%	51.46%	54.56%	56.36%	41.17%	39.29%	41.16%	41.86%	31.41%	24.85%	36.25%	40.74%	48.12%	47.43%	48.38%	36.42%	32.30%	40.11%	46.79%	46.76%	35.37%	36.92%	27.95%	5.41%	38.50%	39.22%	33.13%	27.28%	42.23%	42.26%	44.63%
Operating Margin																																				41.17%	39.29%	41.16%	41.86%	31.41%	24.85%	36.25%	40.74%	48.12%	47.43%	48.38%	36.42%	32.30%	40.11%	46.79%	46.76%	35.37%	36.92%	27.95%	5.41%	38.50%	39.22%	33.13%	27.28%	42.23%	42.26%	44.63%
Net Margin	1,407.57%	-1,093.10%	-486.99%	-196.48%	14.67%	-41.79%	154.66%	14.45%	6.76%	13.63%	3.93%	15.53%	1,031.12%	19.11%	19.69%	23.57%	24.59%	25.54%	25.72%	24.84%	23.01%	21.51%	19.19%	23.76%	25.59%	24.49%	25.64%	22.44%	26.17%	25.35%	-10.00%	30.67%	30.27%	32.26%	32.99%	32.97%	31.47%	33.05%	33.92%	25.89%	21.48%	29.25%	31.15%	37.83%	36.27%	37.28%	28.50%	25.64%	31.32%	36.54%	35.48%	27.40%	28.62%	22.90%	7.60%	25.43%	26.37%	20.94%	36.89%	28.03%	29.48%	31.11%
FCF Margin		395.89%	0.45%	22.25%	118.16%	124.22%	49.91%	53.64%	113.56%	83.74%	76.19%	91.94%	224.78%	82.54%	43.48%	41.59%	17.44%	31.55%	48.56%	34.56%	34.72%	52.95%	7.91%	-2.38%	23.48%	48.42%	47.51%	56.44%	24.75%	42.03%	45.60%	54.46%	30.80%	58.97%	-152.86%	18.16%	7.63%	30.81%	37.27%	-99.01%	-1,008.18%	-115.49%	875.71%	17.02%	61.62%	59.99%	39.72%	107.50%	66.49%	70.02%	36.93%	30.69%	34.46%	35.16%	5.10%	31.46%	35.57%	-1.01%	71.31%	38.08%	32.55%	42.52%
Efficiency
Assets Average		7.33B	7.14B	7.49B	7.43B	7.02B	6.94B	7.08B	6.96B	6.72B	6.75B	6.83B	7.01B	7.20B	7.33B	7.41B	7.38B	7.44B	7.55B	7.62B	7.96B	8.83B	9.52B	9.70B	9.85B	10.11B	10.50B	10.72B	10.78B	10.98B	11.52B	12.09B	12.32B	12.40B	12.49B	12.54B	12.64B	12.79B	12.86B	13.00B	14.05B	16.08B	17.47B	18.18B	18.73B	19.19B	20.21B	22.66B	24.29B	23.95B	23.85B	24.94B	26.00B	26.49B	27.08B	27.33B	27.21B	27.22B	27.55B	27.80B	27.98B	28.11B
Equity Average		0.78B	0.57B	0.53B	0.59B	0.59B	0.58B	0.58B	0.58B	0.58B	0.58B	0.59B	0.71B	0.84B	0.82B	0.75B	0.71B	0.73B	0.74B	0.75B	0.80B	0.92B	1.02B	1.03B	1.05B	1.07B	1.08B	1.09B	1.12B	1.18B	1.26B	1.33B	1.37B	1.39B	1.43B	1.48B	1.54B	1.59B	1.62B	1.64B	1.71B	1.87B	1.99B	2.02B	2.06B	2.10B	2.17B	2.46B	2.67B	2.64B	2.67B	2.89B	3.09B	3.14B	3.22B	3.28B	3.32B	3.37B	3.42B	3.47B	3.56B	3.60B
Invested Capital	1.05B	0.81B	0.62B	0.74B	0.75B	0.70B	0.70B	0.70B	0.70B	0.71B	0.71B	0.72B	0.95B	0.98B	0.93B	0.83B	0.85B	0.87B	0.87B	0.88B	0.94B	1.18B	1.18B	1.20B	1.22B	1.25B	1.25B	1.28B	1.31B	1.36B	1.42B	1.68B	1.69B	1.69B	1.72B	1.77B	1.81B	1.85B	1.85B	1.85B	2.08B	2.29B	2.33B	2.34B	2.35B	2.37B	2.47B	3.02B	2.98B	2.96B	3.03B	3.40B	3.43B	3.51B	3.59B	3.62B	3.67B	3.72B	3.69B	3.76B	3.77B	3.75B
Asset Utilization Ratio				0.02	0.03	0.04	0.03	0.02	0.02	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.04	0.04	0.04	0.04	0.04	0.03	0.03	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.03	0.03	0.04	0.04	0.04	0.04	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.04
Leverage & Solvency
Interest Coverage Ratio	-1.01	-9.42	-0.37	-11.13	1.71	0.20	1.48	2.04	1.70	2.21	1.71	2.64	-2.75	4.49	5.20	4.86	4.80	5.33	5.82	6.30	7.01	6.32	6.23	7.22	7.60	7.45	7.54	6.67	6.59	5.82	5.58	5.03	4.87	4.42	4.03	2.63	2.56	2.81	3.03	2.14	2.02	4.23	7.02	9.60	11.98	14.01	10.28	7.99	9.78	7.17	3.38	1.14	0.83	0.47	0.07	0.67	0.70	0.51	0.41	0.85	0.90	1.03
Debt to Equity							0.39				0.31				0.22		0.11	0.01	0.37		0.03	0.02	0.44			0.03	0.66			0.01	0.43		0.01		0.11	0.03	0.13	0.02													0.26	0.01		0.01					0.06
Debt Ratio							0.03				0.03				0.02		0.01	0.00	0.04		0.00	0.00	0.05			0.00	0.07			0.00	0.05		0.00		0.01	0.00	0.02	0.00													0.03	0.00		0.00					0.01
Equity Ratio	0.12	0.09	0.06	0.08	0.08	0.08	0.08	0.08	0.09	0.09	0.09	0.09	0.12	0.12	0.11	0.10	0.10	0.10	0.10	0.10	0.10	0.11	0.11	0.11	0.11	0.10	0.10	0.10	0.10	0.11	0.11	0.11	0.11	0.11	0.12	0.12	0.12	0.13	0.13	0.13	0.12	0.11	0.11	0.11	0.11	0.11	0.11	0.11	0.11	0.11	0.11	0.12	0.12	0.12	0.12	0.12	0.12	0.12	0.12	0.13	0.13	0.13
Times Interest Earned	-1.01	-9.42	-0.37	-11.13	1.71	0.20	1.48	2.04	1.70	2.21	1.71	2.64	-2.75	4.49	5.20	4.86	4.80	5.33	5.82	6.30	7.01	6.32	6.23	7.22	7.60	7.45	7.54	6.67	6.59	5.82	5.58	5.03	4.87	4.42	4.03	2.63	2.56	2.81	3.03	2.14	2.02	4.23	7.02	9.60	11.98	14.01	10.28	7.99	9.78	7.17	3.38	1.14	0.83	0.47	0.07	0.67	0.70	0.51	0.41	0.85	0.90	1.03
Dividends & Payouts
FCF Payout Ratio		0.03				0.06		0.08	0.05	0.06		0.05	0.05	0.05	0.11	0.05	0.05			0.12	0.12	0.10	0.58	-2.26	0.22		0.11	0.10	0.24	0.14	0.14	0.12	0.24	0.15	-0.06	0.53	1.21	0.30	0.26	-0.12	-0.01	-0.08	0.01	0.49	0.14	0.15	0.25	0.09	0.16	0.15	0.29	0.35	0.36	0.37	3.28	0.37	0.32	-12.65	0.20	0.31	0.34	0.25
Valuation
Enterprise Value	0.00B	-0.07B	-0.47B	-0.89B	-0.16B	0.19B	0.02B	0.13B	0.19B	0.26B	0.29B	0.41B	0.45B	0.59B	0.80B	-0.90B	0.72B	0.75B	0.92B	-0.83B	1.03B	1.05B	1.13B	1.11B	1.07B	1.24B	1.86B	1.71B	1.72B	1.76B	1.73B	2.12B	2.08B	1.87B	1.35B	1.62B	1.95B	1.84B	1.89B	0.92B	0.25B	0.42B	0.85B	1.63B	1.36B	1.03B	0.85B	1.78B	1.99B	3.03B	2.89B	2.46B	2.17B	2.26B	2.43B	2.17B	2.47B	2.73B	3.29B	2.72B	3.04B	3.19B
Market Capitalization	0.37B	0.21B	0.18B	0.20B	0.22B	0.49B	0.40B	0.56B	0.49B	0.48B	0.54B	0.65B	0.72B	0.87B	1.05B	1.15B	0.98B	0.99B	1.14B	1.14B	1.26B	1.28B	1.39B	1.32B	1.31B	1.49B	2.10B	1.96B	1.97B	2.03B	2.07B	2.50B	2.43B	2.21B	1.70B	1.98B	2.26B	2.24B	2.44B	1.45B	1.58B	1.46B	2.46B	2.96B	2.78B	2.84B	3.21B	3.69B	3.20B	3.51B	3.59B	3.23B	2.88B	3.02B	3.48B	3.13B	3.03B	3.47B	3.85B	3.36B	3.62B	3.81B
Return Ratios
Return on Sales				-3.84%	-2.63%	-1.61%	-1.02%	0.14%	0.11%	0.23%	0.15%	0.16%	1.36%	1.31%	1.31%	1.28%	0.24%	0.25%	0.25%	0.25%	0.25%	0.24%	0.22%	0.22%	0.23%	0.23%	0.25%	0.25%	0.25%	0.25%	0.15%	0.18%	0.19%	0.22%	0.32%	0.32%	0.33%	0.33%	0.33%	0.32%	0.29%	0.29%	0.28%	0.32%	0.35%	0.37%	0.36%	0.33%	0.32%	0.32%	0.34%	0.34%	0.33%	0.30%	0.23%	0.23%	0.22%	0.22%	0.28%	0.29%	0.30%	0.32%
Return on Invested Capital							-0.23%				0.10%	0.09%					0.09%	0.09%	0.10%	0.10%	0.09%	0.08%	0.07%	0.08%	0.08%	0.09%	0.09%	0.09%	0.09%	0.09%	0.06%	0.06%	0.07%	0.08%	0.13%	0.12%	0.11%	0.10%	0.10%	0.09%	0.07%	0.07%	0.07%	0.08%	0.10%	0.11%	0.11%	0.09%	0.08%	0.08%	0.09%	0.09%	0.08%	0.07%	0.05%	0.05%	0.06%	0.06%	0.07%	0.07%	0.07%	0.08%
Return on Assets				-0.09%	-0.09%	-0.06%	-0.03%	0.00%	0.00%	0.01%	0.01%	0.00%	0.04%	0.04%	0.04%	0.04%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Return on Equity				-1.29%	-1.07%	-0.69%	-0.39%	0.04%	0.03%	0.07%	0.06%	0.06%	0.36%	0.31%	0.33%	0.37%	0.09%	0.09%	0.09%	0.09%	0.09%	0.08%	0.07%	0.07%	0.08%	0.09%	0.09%	0.09%	0.09%	0.09%	0.05%	0.06%	0.07%	0.08%	0.12%	0.12%	0.12%	0.11%	0.11%	0.11%	0.09%	0.08%	0.08%	0.10%	0.12%	0.13%	0.12%	0.10%	0.09%	0.09%	0.10%	0.10%	0.09%	0.08%	0.06%	0.06%	0.06%	0.06%	0.07%	0.08%	0.08%	0.09%

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United Community Banks Ratios (2010-2025) | UCB

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