United Community Banks, Inc. (UCB)
NYSE: UCB · Real-Time Price · USD
30.50
-1.52 (-4.75%)
Oct 10, 2025, 4:00 PM EDT - Market closed
United Community Banks Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2005 - 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Jun '25 Jun 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2005 - 2019 |
Net Income | 273.3 | 252.4 | 187.54 | 277.47 | 269.8 | 164.09 | Upgrade |
Depreciation & Amortization | 43.64 | 40.93 | 44.96 | 46.7 | -2.06 | -8.59 | Upgrade |
Provision for Credit Losses | 53.05 | 50.95 | 89.43 | 63.91 | -37.55 | 80.43 | Upgrade |
Stock-Based Compensation | 11.02 | 10.8 | 8.93 | 8.71 | 6.55 | 7.89 | Upgrade |
Net Change in Loans Held-for-Sale | 12.17 | -24.53 | -17.32 | 144.54 | 61.32 | -46.72 | Upgrade |
Other Adjustments | 29.66 | 34.63 | 50.58 | 4.06 | 9.44 | -3.5 | Upgrade |
Changes in Accrued Expenses | -85.79 | -24.27 | -49.65 | 76.61 | -1.6 | -14.78 | Upgrade |
Changes in Other Operating Activities | 13.49 | 8.82 | -20.5 | -14.69 | 53.42 | -20.14 | Upgrade |
Operating Cash Flow | 351.3 | 349.73 | 293.97 | 607.31 | 359.32 | 158.68 | Upgrade |
Operating Cash Flow Growth | 16.00% | 18.97% | -51.59% | 69.02% | 126.44% | 3.08% | Upgrade |
Net Change in Loans Held-for-Investment | -459.85 | 82.72 | -996.52 | -1,229 | 178.23 | -1,069 | Upgrade |
Net Change in Securities and Investments | -631.54 | -951.43 | 799.67 | -764.08 | -2,062 | -680.45 | Upgrade |
Payments for Business Acquisitions | - | 8.59 | 207.57 | 35.24 | 103.07 | 195.7 | Upgrade |
Proceeds from Business Divestments | - | - | -93.61 | - | - | - | Upgrade |
Capital Expenditures | -31.91 | -47.04 | -72.49 | -42.7 | -26.48 | -18.46 | Upgrade |
Sale of Property, Plant & Equipment | - | 1.16 | 4.67 | 9.74 | 4.25 | 0.9 | Upgrade |
Other Investing Activities | -3.32 | -85.03 | -12.58 | -29.71 | -3.67 | -9.17 | Upgrade |
Investing Cash Flow | -640.64 | -991.04 | -163.29 | -2,020 | -1,806 | -1,581 | Upgrade |
Net Change in Deposits | 606.1 | 149.49 | 1,339 | -866.93 | 2,353 | 2,534 | Upgrade |
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements | - | 195 | -347.62 | 158.93 | - | - | Upgrade |
Short-Term Debt Issued | - | 1.1 | 2,225 | 790 | 10 | 5 | Upgrade |
Short-Term Debt Repaid | - | -1.1 | -2,870 | -240 | -34.51 | -134.12 | Upgrade |
Net Short-Term Debt Issued (Repaid) | - | - | -645 | 550 | -24.51 | -129.12 | Upgrade |
Long-Term Debt Repaid | - | -68.56 | - | - | -80.63 | 98.55 | Upgrade |
Net Long-Term Debt Issued (Repaid) | - | -68.56 | - | - | -80.63 | 98.55 | Upgrade |
Repurchase of Common Stock | - | - | - | - | -15.1 | -20.78 | Upgrade |
Net Common Stock Issued (Repurchased) | - | - | - | - | -15.1 | -20.78 | Upgrade |
Issuance of Preferred Stock | - | - | - | - | - | 96.42 | Upgrade |
Repurchase of Preferred Stock | - | - | -7.15 | - | - | - | Upgrade |
Net Preferred Stock Issued (Repurchased) | - | - | -7.15 | - | - | 96.42 | Upgrade |
Common Dividends Paid | -114.96 | -112.32 | -105.09 | -86.88 | -66.91 | -58.91 | Upgrade |
Preferred Share Dividends Paid | -6.29 | -6.29 | -6.64 | -6.88 | -6.88 | -3.53 | Upgrade |
Other Financing Activities | -0.92 | -0.01 | -0.82 | -7.03 | -2.45 | -1.8 | Upgrade |
Financing Cash Flow | 301.43 | 157.31 | 226.34 | -258.78 | 2,157 | 2,515 | Upgrade |
Net Cash Flow | 12.09 | -484 | 357.02 | -1,672 | 709.89 | 1,093 | Upgrade |
Beginning Cash & Cash Equivalents | 562.86 | 1,004 | 646.85 | 2,319 | 1,609 | 515.21 | Upgrade |
Ending Cash & Cash Equivalents | 574.96 | 519.87 | 1,004 | 646.85 | 2,319 | 1,609 | Upgrade |
Free Cash Flow | 319.39 | 302.69 | 221.49 | 564.6 | 332.84 | 140.22 | Upgrade |
Free Cash Flow Growth | 5.52% | 36.66% | -60.77% | 69.63% | 137.37% | 5.44% | Upgrade |
FCF Margin | 34.60% | 33.59% | 27.55% | 68.34% | 44.71% | 24.28% | Upgrade |
Free Cash Flow Per Share | 2.65 | 2.52 | 1.88 | 5.29 | 3.78 | 1.68 | Upgrade |
Levered Free Cash Flow | 204.81 | 154.5 | -561.83 | 885.05 | 179.4 | 66.73 | Upgrade |
Unlevered Free Cash Flow | -60.58 | -21.57 | -97.68 | 65.92 | 23.27 | -61.97 | Upgrade |
Updated Jul 23, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.