United Community Banks (UCB) Margins & Profitability 2020-2026

Gross, EBITDA, operating, and net margin trends

Margins

Profit margins across the income statement

Gross Margin: 73.2%
EBITDA Margin: 33.9%
Op. Margin: 28.7%
Net Margin: 22.3%

Op. margin of 28.7% is down 0.0% YoY — costs are rising relative to revenue. Net margin at 22.3% and gross margin of 73.2% — earnings take a bigger bite when COGS stays lean..

Gross Margin (%)

Revenue left after direct cost of goods sold

EBITDA Margin (%)

Operating profitability independent of capital structure

Operating & Net Margins (%)

How much of each dollar becomes profit