United Community Banks, Inc. (UCB)

United Community Banks Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	377.88	328.1	252.4	187.54	277.47	269.8
Depreciation & Amortization	61.56	45.95	40.93	44.96	46.7	-2.06
Gain (Loss) on Sale of Investments	-0.19	-0.35	3.32	53.33	3.87	-0.08
Total Asset Writedown	-	-	5.1	-	-	-
Provision for Credit Losses	2.62	48.81	50.95	89.43	63.91	-37.55
Change in Other Net Operating Assets	6.59	-52.86	-39.98	-87.47	206.46	113.14
Other Operating Activities	25.52	10.91	4.93	6.39	10.92	20.79
Operating Cash Flow	388.48	384.04	349.73	293.97	607.31	359.32
Operating Cash Flow Growth	10.58%	9.81%	18.97%	-51.59%	69.02%	126.44%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-27.28	-27.58	-47.04	-72.49	-42.7	-26.48
Sale of Property, Plant and Equipment	-	-	-	-	9.74	4.25
Cash Acquisitions	-41.25	-	-	-	-	103.07
Investment in Securities	65.59	935	-1,054	780.46	-800.73	-2,069
Divestitures	41.25	41.25	8.59	113.95	35.24	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-1,065	-934.1	82.72	-996.52	-1,229	178.23
Other Investing Activities	14.1	18.85	18.41	11.31	6.94	3.45
Investing Cash Flow	-1,012	33.42	-991.04	-163.29	-2,020	-1,806

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Short-Term Debt Issued	-	-	195	-	158.93	-
Long-Term Debt Issued	-	126	1.1	2,225	790	10
Total Debt Issued	2,390	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	-1,365	-371	-69.66	-3,218	-240	-115.14
Net Debt Issued (Repaid)	1,025	-245	126.44	-992.62	708.93	-105.14
Repurchase of Common Stock	-67.42	-44.27	-	-	-	-15.1
Preferred Share Repurchases	-91.54	-91.54	-	-7.15	-	-
Common Dividends Paid	-121.35	-118.52	-112.32	-105.09	-86.88	-66.91
Preferred Dividends Paid	-1.57	-4.72	-6.29	-6.64	-6.88	-6.88
Total Dividends Paid	-122.93	-123.24	-118.61	-111.72	-93.76	-73.79
Net Increase (Decrease) in Deposit Accounts	-238.06	-36.3	149.49	1,339	-866.93	2,353
Other Financing Activities	-1.09	-1.22	-0.01	-0.82	-7.03	-2.45
Financing Cash Flow	503.96	-541.57	157.31	226.34	-258.78	2,157

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	-119.86	-124.12	-484	357.02	-1,672	709.89

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	361.19	356.46	302.69	221.49	564.6	332.84
Free Cash Flow Growth	13.09%	17.76%	36.66%	-60.77%	69.63%	137.37%
Free Cash Flow Margin	32.59%	35.14%	33.59%	27.55%	68.34%	44.71%
Free Cash Flow Per Share	2.98	2.94	2.52	1.88	5.29	3.78

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	476.08	476.08	551.36	408.53	58.71	32
Cash Income Tax Paid	49.86	49.86	18.53	57.96	50.5	55.75

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Jul 21, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 17, 2026

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