UCB United Community Banks margins

Relative Growth: Rel. Growth: 84

Relative Strength: Rel. Strength: 68

Relative Valuation: Rel. Valuation: 81

Relative Profitability: Rel. Profitability: 88

Gross margin

100%

Operating margin

45.1%

EBITDA margin

48.8%

Net margin

33.4%

The United Community Banks shows a gross margin of 100%, an operating margin of 45.1%, an EBITDA margin of 48.8%, and a net margin of 33.4%. EBITDA margin improved by 9.5 percentage points, while other available margins were stable.

UCB margin history

Gross, operating, EBITDA and net margin trends

Over the last 3 years, United Community Banks's margins averaged 100% gross, 41.43% operating, 37.37% EBITDA, and 25.59% net. Currently, operating, EBITDA, and net margins are above their three-year averages.

UCB margin expansion

Year-over-year margin changes in percentage points

Operating margin expanded by 3.1 percentage points, EBITDA margin by 9.5 percentage points, and net margin by 6.2 percentage points, while gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

3.1pp

EBITDA margin expansion

9.5pp

Net margin expansion

6.2pp

UCB Gross margin

United Community Banks recorded an average gross margin of 100% across the last 3 years. United Community Banks currently reports a gross margin of 100%, in line with its three-year average. United Community Banks's gross margin ranged from a low of 100% in Dec 2023 to a high of 100% in Jun 2026.

UCB Operating margin

Looking back over the last 3 years, United Community Banks recorded an average operating margin of 41.43%. United Community Banks's current operating margin is 45.1% and is 3.7 percentage points above its three-year average. The highest operating margin for United Community Banks was 45.2% in Mar 2026, while the lowest was 37.1% in Dec 2023.

UCB EBITDA margin

Looking back over the last 3 years, United Community Banks recorded an average EBITDA margin of 37.37%. At present, United Community Banks's current EBITDA margin is 48.8%, which is 11.4 percentage points above its three-year average. The highest EBITDA margin for United Community Banks was 48.8% in Jun 2026, while the lowest was 28.5% in Sep 2024.

UCB Net margin

Over the last 3 years, United Community Banks's net margin averaged 25.59%. The current net margin of 33.4% is 7.8 percentage points above its three-year average. During this period, net margin reached a high of 33.4% in Jun 2026 and a low of 19.2% in Sep 2024.

UCB margin group comparison

Margins compared with peer-group, industry and sector averages

With a gross margin of 100%, UCB ranks higher than the Financial Services sector, the industry and its peers average. In comparison with the Financial Services sector average of 83.4%, United Community Banks's gross margin is 20% higher.

UCB margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is United Community Banks's gross margin?

As of Jun 30, 2026, UCB has a gross margin of 100%.

What is United Community Banks's operating margin?

For the period ending Jun 30, 2026, UCB recorded an operating margin of 45.1%.

What is United Community Banks's EBITDA margin?

The current EBITDA margin for UCB is 48.8% as of Jun 30, 2026.

What is United Community Banks's net margin?

The current net margin for UCB is 33.4% as of Jun 30, 2026.

What are the average margins of UCB?

Looking back over 3 years, UCB recorded average margins of 100.0% gross, 41.4% operating, 37.4% EBITDA, and 25.6% net.

What are the highest historical margins of UCB?

Over this 5-year history, UCB peaked at 100% gross in Jun 2026, 48.2% operating in Dec 2021, 48.8% EBITDA in Jun 2026, and 35.1% net in Dec 2021.

What are the lowest historical margins of UCB?

Within the 5-year period, UCB recorded its lowest margins at 100% gross in Dec 2021, 37.1% operating in Dec 2023, 28.5% EBITDA in Sep 2024, and 19.2% net in Sep 2024.