United Community BanksUCB +1.57%63 Pretax Margin % is 40.08% as of Mar. 2026, which is 1% below its 10-year median of 40.49. GuruFocus rates UCB with a GF Score™ of 63/100 and a GF Value™ of $32.93 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,530 Banks companies, United Community Banks ranks better than 65.95% on this metric.
The historical rank and industry rank for United Community Banks's Pretax Margin % or its related term are showing as below:
UCB'
s Pretax Margin % Range Over the Past 10 Years
Min: 26.67 Med: 40.49 Max: 50.66
Current: 41.15
UCB's Pretax Margin % is ranked better than 65.95% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs UCB: 41.15
United Community Banks (NYSE:UCB) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
United Community Banks Pretax Margin % Related Terms
United Community Banks Pretax Margin % Historical Data
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The historical data trend for United Community Banks's Pretax Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
UCB vs CATY, INDB, RNST: Pretax Margin % Comparison
For the Banks - Regional subindustry, United Community Banks's Pretax Margin %, along with its competitors' market caps and Pretax Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
United Community Banks Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, United Community Banks's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where United Community Banks's Pretax Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
United Community Banks (UCB) has a Pretax Margin % of 40.08% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on United Community Banks and its competitors. This is near median its historical median of 40.49. Over the past decade, United Community Banks' Pretax Margin % has ranged from 26.67 to 50.66. According to the industry distribution chart, United Community Banks ranks #521 out of 1530 companies in the Banks industry, placing it in the top 34.1%.
Is United Community Banks' Pretax Margin % too high?
United Community Banks' current Pretax Margin % of 40.08% is near median its 10-year median of 40.49. Over the past 10 years, this metric has ranged from a low of 26.67 to a high of 50.66. The Banks industry median Pretax Margin % is 34.72. United Community Banks' value of 40.08% is 15.5% above this industry median. Based on the distribution chart, United Community Banks ranks #521 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, United Community Banks has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United Community Banks' Pretax Margin % compare to CATY and INDB?
According to the Banks industry distribution chart, United Community Banks ranks #521 out of 1530 companies for Pretax Margin %. This puts United Community Banks in the upper half of its industry. The industry median Pretax Margin % is 34.72. United Community Banks' value of 40.08% is 15.5% above this benchmark. Historically, United Community Banks' own Pretax Margin % has ranged from 26.67 to 50.66 over the past decade. While the company's 10-year median is 40.49 vs. the industry median of 34.72, United Community Banks has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Community Banks's current Pretax Margin % of 40.08% is 15.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on United Community Banks and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Community Banks's current Pretax Margin % is 40.08%, which is near median its own 10-year median of 40.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Community Banks stock overvalued right now?
Based on GuruFocus' analysis, United Community Banks (UCB) is currently considered Fairly Valued. The stock's GF Value™ is $32.93, compared to a current price of $35.61 — trading 8.1% above its estimated fair value. The current Pretax Margin % is 40.08%, which is near median its 10-year median of 40.49 and 15.5% above the Banks industry median of 34.72. United Community Banks' overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For United Community Banks (UCB), the current Pretax Margin % is 40.08% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is United Community Banks (UCB) Overvalued in 2026?
Based on GuruFocus' analysis, United Community Banks stock appears to be overvalued.
The current stock price of $35.61 is trading 8.1% above its estimated GF Value™ of $32.93.
GuruFocus considers United Community Banks to be Fairly Valued.
Key valuation signals for UCB:
Pretax Margin %: 40.08% (near median its 10-year median of 40.49)
GF Value™: $32.93 vs. price of $35.61 (8.1% above fair value)
Industry Position: 15.5% above the Banks median (#521 of 1530)
No single metric tells the full story. See the UCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Community Banks Inc provides a wide range of financial products and services to the commercial, retail, governmental, educational, energy, health care and real estate sectors. This includes a variety of deposit products, secured and unsecured loans, mortgage loans, payment and commerce solutions, equipment finance services, wealth management, trust services, private banking, investment advisory services, insurance services, and other related financial services. These products and services are delivered through a variety of channels including its branches, other offices, the Internet, and mobile applications. It operates as a locally-focused community bank, supplemented by experienced, centralized support to deliver products and services to its c ustomers.
63GF Score
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