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 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	252.4	187.54	277.47	269.8
Depreciation & Amortization	40.93	44.96	46.7	-2.06
Gain (Loss) on Sale of Investments	3.32	53.33	3.87	-0.08
Total Asset Writedown	5.1	-	-	-
Provision for Credit Losses	50.95	89.43	63.91	-37.55
Change in Other Net Operating Assets	-39.98	-87.47	206.46	113.14
Other Operating Activities	4.93	6.39	10.92	20.79
Operating Cash Flow	349.73	293.97	607.31	359.32
Operating Cash Flow Growth	18.97%	-51.59%	69.02%	126.44%
Capital Expenditures	-47.04	-72.49	-42.7	-26.48
Sale of Property, Plant and Equipment	1.16	4.67	9.74	4.25
Cash Acquisitions	-	-	-	103.07
Investment in Securities	-1,054	780.46	-800.73	-2,069
Divestitures	8.59	113.95	35.24	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	82.72	-996.52	-1,229	178.23
Other Investing Activities	17.26	6.64	6.94	3.45
Investing Cash Flow	-991.04	-163.29	-2,020	-1,806
Short-Term Debt Issued	195	-	158.93	-
Long-Term Debt Issued	1.1	2,225	790	10
Total Debt Issued	196.1	2,225	948.93	10
Short-Term Debt Repaid	-	-347.62	-	-
Long-Term Debt Repaid	-69.66	-2,870	-240	-115.14
Total Debt Repaid	-69.66	-3,218	-240	-115.14
Net Debt Issued (Repaid)	126.44	-992.62	708.93	-105.14
Repurchase of Common Stock	-	-	-	-15.1
Preferred Share Repurchases	-	-7.15	-	-
Common Dividends Paid	-112.32	-105.09	-86.88	-66.91
Preferred Dividends Paid	-6.29	-6.64	-6.88	-6.88
Total Dividends Paid	-118.61	-111.72	-93.76	-73.79
Net Increase (Decrease) in Deposit Accounts	149.49	1,339	-866.93	2,353
Other Financing Activities	-0.01	-0.82	-7.03	-2.45
Financing Cash Flow	157.31	226.34	-258.78	2,157
Net Cash Flow	-484	357.02	-1,672	709.89
Free Cash Flow	302.69	221.49	564.6	332.84
Free Cash Flow Growth	36.66%	-60.77%	69.63%	137.37%
Free Cash Flow Margin	33.59%	27.55%	68.34%	44.71%
Free Cash Flow Per Share	2.52	1.88	5.29	3.78
Cash Interest Paid	551.36	408.53	58.71	32
Cash Income Tax Paid	18.53	57.96	50.5	55.75

Updated Jan 14, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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