United Community Banks, Inc. (UCB)
NYSE: UCB · Real-Time Price · USD
36.99
+0.03 (0.08%)
Nov 6, 2026, 4:00 PM EST - Market closed
United Community Banks Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
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% |
Investing Activities
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 |
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 |
Financing Activities
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 |
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
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 Cash Flow | -124.12 | -484 | 357.02 | -1,672 | 709.89 |
Free Cash Flow
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 |
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 |