United Community Banks, Inc. (UCB)

United Community Banks Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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
Provision for Credit Losses	48.81	50.95	89.43	63.91	-37.55
Stock-Based Compensation	11.41	10.8	8.93	8.71	6.55
Net Change in Loans Held-for-Sale	18.15	-24.53	-17.32	144.54	61.32
Other Adjustments	2.64	34.63	50.58	4.06	9.44
Changes in Other Operating Activities	-71.01	-15.45	-70.15	61.92	51.82
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%
Net Change in Loans Held-for-Investment	-934.1	82.72	-996.52	-1,229	178.23
Net Change in Securities and Investments	970.73	-951.43	799.67	-764.08	-2,062
Payments for Business Acquisitions	-	-	-93.61	-	-
Capital Expenditures	-27.58	-47.04	-72.49	-42.7	-26.48
Sale of Property, Plant & Equipment	-	-	-	9.74	4.25
Other Investing Activities	24.37	-75.29	199.66	5.53	99.4
Investing Cash Flow	33.42	-991.04	-163.29	-2,020	-1,806
Net Change in Deposits	-36.3	149.49	1,339	-866.93	2,353
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-110	195	-347.62	158.93	-
Long-Term Debt Issued	126	1.1	2,225	790	10
Long-Term Debt Repaid	-261	-69.66	-2,870	-240	-115.14
Net Long-Term Debt Issued (Repaid)	-135	-68.56	-645	550	-105.14
Repurchase of Common Stock	-44.27	-	-	-	-15.1
Net Common Stock Issued (Repurchased)	-44.27	-	-	-	-15.1
Repurchase of Preferred Stock	-91.54	-	-7.15	-	-
Net Preferred Stock Issued (Repurchased)	-91.54	-	-7.15	-	-
Common Dividends Paid	-118.52	-112.32	-105.09	-86.88	-66.91
Preferred Share Dividends Paid	-4.72	-6.29	-6.64	-6.88	-6.88
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%
FCF Margin	33.53%	31.79%	24.80%	68.34%	44.71%
Free Cash Flow Per Share	2.94	2.52	1.88	5.29	3.78
Levered Free Cash Flow	130.54	154.5	-561.83	885.05	179.4
Unlevered Free Cash Flow	-52.64	-21.57	-97.68	65.92	23.27

Updated Jan 14, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q