United Community Banks Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	328.1	252.4	187.54	277.47	269.8
Depreciation & Amortization	45.95	40.93	44.96	46.7	-2.06
Gain (Loss) on Sale of Investments	-0.35	3.32	53.33	3.87	-0.08
Total Asset Writedown	-	5.1	-	-	-
Provision for Credit Losses	48.81	50.95	89.43	63.91	-37.55
Change in Other Net Operating Assets	-52.86	-39.98	-87.47	206.46	113.14
Other Operating Activities	10.91	4.93	6.39	10.92	20.79
Operating Cash Flow	384.04	349.73	293.97	607.31	359.32
Operating Cash Flow Growth	9.81%	18.97%	-51.59%	69.02%	126.44%
Capital Expenditures	-27.58	-47.04	-72.49	-42.7	-26.48
Sale of Property, Plant and Equipment	-	-	-	9.74	4.25
Cash Acquisitions	-	-	-	-	103.07
Investment in Securities	935	-1,054	780.46	-800.73	-2,069
Divestitures	41.25	8.59	113.95	35.24	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-934.1	82.72	-996.52	-1,229	178.23
Other Investing Activities	18.85	18.41	11.31	6.94	3.45
Investing Cash Flow	33.42	-991.04	-163.29	-2,020	-1,806
Short-Term Debt Issued	-	195	-	158.93	-
Long-Term Debt Issued	126	1.1	2,225	790	10
Total Debt Issued	126	196.1	2,225	948.93	10
Short-Term Debt Repaid	-110	-	-347.62	-	-
Long-Term Debt Repaid	-261	-69.66	-2,870	-240	-115.14
Total Debt Repaid	-371	-69.66	-3,218	-240	-115.14
Net Debt Issued (Repaid)	-245	126.44	-992.62	708.93	-105.14
Repurchase of Common Stock	-44.27	-	-	-	-15.1
Preferred Share Repurchases	-91.54	-	-7.15	-	-
Common Dividends Paid	-118.52	-112.32	-105.09	-86.88	-66.91
Preferred Dividends Paid	-4.72	-6.29	-6.64	-6.88	-6.88
Total Dividends Paid	-123.24	-118.61	-111.72	-93.76	-73.79
Net Increase (Decrease) in Deposit Accounts	-36.3	149.49	1,339	-866.93	2,353
Other Financing Activities	-1.22	-0.01	-0.82	-7.03	-2.45
Financing Cash Flow	-541.57	157.31	226.34	-258.78	2,157
Net Cash Flow	-124.12	-484	357.02	-1,672	709.89
Free Cash Flow	356.46	302.69	221.49	564.6	332.84
Free Cash Flow Growth	17.76%	36.66%	-60.77%	69.63%	137.37%
Free Cash Flow Margin	35.14%	33.59%	27.55%	68.34%	44.71%
Free Cash Flow Per Share	2.94	2.52	1.88	5.29	3.78
Cash Interest Paid	476.08	551.36	408.53	58.71	32
Cash Income Tax Paid	49.86	18.53	57.96	50.5	55.75

Source: S&P Global Market Intelligence. Banks template. Financial Sources.