Company / FCF Margin
United Community Banks, Inc. FCF Margin History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest FCF Margin
33.5%
FY2025
5-year range
23.7% / 33.5%
FY2021-FY2025
Trend
+5.5%
vs FY2024
Sector context
#66 of 206
Financials
What the data says
At 33.5%, United Community Banks, Inc.'s fcf margin ranks #66 of 206 in the Financials sector. FCF Margin has increased for 4 consecutive years, from 23.7% in FY2021 to 33.5% in FY2025.
Based on SEC 10-K filings.
33.5% in FY2025 with a 5-year CAGR of -14.8%.
Improved from 24.8% to 33.5% over the past 2 years.
Financials sector context is included.
FCF Margin over time
Growth rates
- 3-Year Change
- +9.3pp
- 5-Year Change
- -14.8pp
- 10-Year Change
- -
Sector benchmark
#66 of 206 in FinancialsTop 32% of 206This company 33.5% Sector average 207.7%
▼
-83.9% below sector average
Key checks
Key Insights
- United Community Banks, Inc.'s fcf margin has grown for 4 consecutive years.
- In FY2025, fcf margin increased 5.5% year-over-year.
- Currently 174.2pp below the Financials sector average.
- Peak fcf margin was recorded in FY2020.
Company context
Key Data Points
- Altman Z-Score 0.13 (distress zone, below 1.8 threshold)
- Strong profit margin: 32.2%
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | FCF MarginValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | 33.5% | +5.5% |
| FY2024 | 31.8% | +28.2% |
| FY2023 | 24.8% | +2.1% |
| FY2022 | 24.3% | +2.4% |
| FY2021 | 23.7% | -50.9% |
| FY2020 | 48.3% | +14.6% |
| FY2019 | 42.2% | +39.2% |
| FY2018 | 30.3% | -3.9% |
| FY2017 | 31.5% | -9.7% |
| FY2016 | 34.9% | +10.7% |
As of FY2025 · SEC 10-K · Updated Jun 30, 2026