United Community Banks Inc

NYSE:UCBFinancial ServicesCBOEFTSE:MRUTSTOXX:EDD24BP

$34.81+3.05%LiveIn session · ≈ AED 127.84 · Market cap $4.2B · Next earnings Tue 20 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	80.4%	101.1%	86.6%	60.6%	59.4%	66.0%	—	—
Operating margin	30.1%	48.6%	38.3%	18.0%	21.8%	27.5%	27.5%	+0.0 pts
Net margin	23.6%	37.7%	29.9%	14.5%	17.0%	21.4%	21.4%	+0.0 pts
EBITDA margin	28.9%	48.3%	43.4%	21.5%	24.6%	29.7%	—	—
Return on equity	8.2%	12.1%	10.3%	5.8%	7.4%	9.0%	9.0%	+0.0 pts
Return on assets	0.9%	1.3%	1.2%	0.7%	0.9%	1.2%	1.2%	+0.0 pts
Return on capital employed	8.9%	13.9%	10.1%	5.8%	7.9%	1.5%	—	—
Debt / equity	0.2×	0.1×	0.4×	0.1×	0.1×	0.1×	0.1×	+0.0%
Debt / assets	1.8%	1.2%	5.0%	1.2%	1.6%	0.7%	—	—
Interest coverage	3.7×	11.7×	5.9×	0.6×	0.6×	0.9×	—	—
Current ratio	0.3×	0.4×	0.2×	0.2×	0.2×	47.5×	47.5×	+0.0%
Quick ratio	0.3×	0.4×	0.2×	0.2×	0.2×	47.5×	—	—
Cash ratio	0.1×	0.1×	0.0×	0.0×	0.0×	2.4×	2.4×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.0×	0.1×	0.1×	—	—
Receivables turnover	14.6×	16.7×	12.8×	14.7×	17.3×	18.4×	—	—
Dividend payout	38.1%	27.3%	33.8%	59.6%	47.0%	37.6%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.