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United Community Banks UCB Net margin

Net margin at other companies

Truist FinancialTFC

26.9%-9.8pp

First Citizens BancSharesFCNCA

23.6%-2.7pp

Regions FinancialRF

29.2%+0.9pp

UBS

United BanksharesUBSI

39.9%+5.3pp

BankUnitedBKU

24.4%+0.8pp

International BancsharesIBOC

49%-0.5pp

Other financials

Income statement

Revenue$276.5M+11.6%

Net income$84.3M+18.0%

EPS (diluted)$0.69+19.0%

Balance sheet

Cash & equivalents$493.1M-22.5%

Total debt$120.5M-52.6%

Total equity$3.7B+4.4%

Total assets$28.2B+1.1%

Cash flow

Operating cash flow$69.3M-29.8%

CapEx$6.9M+60.5%

Free cash flow$62.4M-33.9%

Valuation

Market cap$3.93B+12.1%

Enterprise value$3.56B+14.0%

P/E11.5×-1.9×

P/S3.6×0.0×

Profitability

FCF margin29.7%-4.0pp

Returns & leverage

Return on equity9.5%+1.8pp

Debt / equity0×0.0×

Where this comes from

Calculated from United Community Banks’s reported figures.

net income/total revenue=31.2%

Based on trailing twelve months.

The official record: United Community Banks’s 10-Q, filed May 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is United Community Banks's net margin?: United Community Banks (UCB) reported net margin of 31.2% in Q1 2026.
How has United Community Banks's net margin changed year-over-year?: United Community Banks's net margin increased by 14.9% year-over-year, from 27.2% to 31.2%.
What is the long-term trend for United Community Banks's net margin?: Over 5 years (2020 to 2025), United Community Banks's net margin has grown at a 1.7% compound annual growth rate (CAGR), from 28.4% to 30.9%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.