United Community Banks Ratios (2010-2025) | UCB

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Ratios	Mar2021	Jun2021	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025	Dec2025
Profitability
Gross Margin (Quarter)	98.48%	98.31%	98.73%	98.66%	98.68%	98.53%	98.92%	99.28%	98.95%	98.82%	98.68%	99.15%	99.23%	99.18%	98.98%	99.08%	99.20%	99.10%	99.12%	99.28%
EBT Margin (Quarter)	49.65%	49.13%	49.65%	37.76%	33.62%	41.58%	47.87%	47.48%	36.42%	38.10%	29.27%	4.37%	33.86%	35.06%	27.52%	38.43%	36.81%	38.62%	42.65%	40.48%
EBIT Margin (Quarter)	48.12%	47.43%	48.38%	36.42%	32.30%	40.11%	46.79%	46.76%	35.37%	36.92%	27.95%	38.56%	38.50%	39.22%	33.13%	42.05%	42.23%	42.26%	44.63%	44.66%
EBITDA Margin (Quarter)	48.12%	47.43%	48.38%	36.42%	32.30%	40.11%	46.79%	46.76%	35.37%	36.92%	27.95%	38.56%	38.50%	39.22%	33.13%	42.05%	42.23%	42.26%	44.63%	44.66%
Operating Margin (Quarter)	48.12%	47.43%	48.38%	36.42%	32.30%	40.11%	46.79%	46.76%	35.37%	36.92%	27.95%	38.56%	38.50%	39.22%	33.13%	42.05%	42.23%	42.26%	44.63%	44.66%
Net Margin (Quarter)	37.83%	36.27%	37.28%	28.50%	25.64%	31.32%	36.54%	35.48%	27.40%	28.62%	22.90%	4.94%	25.43%	26.37%	20.94%	29.40%	28.03%	29.48%	31.11%	30.85%
FCF Margin (Quarter)	17.02%	61.62%	59.99%	39.72%	107.50%	66.49%	70.02%	36.93%	30.69%	34.46%	35.16%	3.31%	31.46%	35.57%	-1.01%	56.83%	38.08%	32.55%	42.52%	21.45%
Efficiency
Assets Average (Quarter)	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	28.07B
Equity Average (Quarter)	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	3.62B
Invested Capital (Quarter)	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	3.76B
Asset Utilization Ratio (Quarter)	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	0.04	0.03	0.03	0.03	0.04	0.04
Leverage & Solvency
Interest Coverage Ratio (Quarter)	9.60	11.98	14.01	10.28	7.99	9.78	7.17	3.38	1.14	0.83	0.47	0.73	0.67	0.70	0.51	0.78	0.85	0.90	1.03	1.15
Debt to Equity (Quarter)								0.26	0.01		0.01					0.06				0.02
Debt Ratio (Quarter)								0.03	0.00		0.00					0.01				0.00
Equity Ratio (Quarter)	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	0.13
Times Interest Earned (Quarter)	9.60	11.98	14.01	10.28	7.99	9.78	7.17	3.38	1.14	0.83	0.47	0.73	0.67	0.70	0.51	0.78	0.85	0.90	1.03	1.15
Dividends & Payouts
FCF Payout Ratio (Quarter)	0.05	0.01	0.40	0.25	0.09	-0.11	0.39	0.29	0.35	-0.27	0.02	11.84	0.02	0.62	-12.65	-0.54	0.02	0.67	-0.45
Valuation
Enterprise Value (Quarter)	-1.33B	-1.42B	-1.82B	-2.36B	-1.91B	-1.22B	-0.48B	-0.70B	-0.78B	-0.71B	-0.76B	-1.05B	-0.96B	-0.56B	-0.74B	-0.57B	-0.64B	-0.57B	-0.61B	-0.43B
Return Ratios
Return on Sales (Quarter)	0.39%	0.37%	0.38%	0.30%	0.27%	0.32%	0.38%	0.36%	0.28%	0.30%	0.23%	0.06%	0.26%	0.27%	0.22%	0.30%	0.29%	0.30%	0.33%	0.31%
Return on Invested Capital (Quarter)	0.08%	0.10%	0.11%	0.11%	0.09%	0.08%	0.08%	0.09%	0.09%	0.08%	0.07%	0.07%	0.07%	0.08%	0.08%	0.08%	0.08%	0.08%	0.09%	0.10%
Return on Assets (Quarter)	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 (Quarter)	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%	0.09%

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United Community Banks Ratios (2010-2025) | UCB

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