United Community Banks Cash Flow Statement
NYSE: UCBFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
United Community Banks free cash flow
In fiscal 2025, United Community Banks generated $384.0 million of operating cash flow and spent $27.6 million on capital expenditures. That left free cash flow of $356.5 million, a free-cash-flow margin of 33.5% of revenue. Free cash flow was up 17.8% from the prior year's $302.7 million.
United Community Banks returned $162.8 million to shareholders: $118.5 million in dividends and $44.3 million in share repurchases, equal to 46% of free cash flow. Free cash flow covered dividend payments 3.0 times.
Summary generated from market data by MetaCap's automated system. Methodology
United Community Banks cash flow statement (annual)
| Fiscal year (USD) | FY 20252025-12-31 | FY 20242024-12-31 | FY 20232023-12-31 | FY 20222022-12-31 | FY 20212021-12-31 | FY 20202020-12-31 | FY 20192019-12-31 | FY 20182018-12-31 | FY 20172017-12-31 | FY 20162016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 328.10M | 252.40M | 187.54M | 277.47M | 269.80M | 164.09M | 185.72M | 166.11M | 67.82M | 100.66M |
| Net Income growth (YoY) | +29.99% | +34.58% | -32.41% | +2.84% | +64.42% | -11.65% | +11.81% | +144.93% | -32.62% | +40.62% |
| Depreciation & Amortization | 45.95M | 40.93M | 44.96M | 46.70M | -2.06M | -8.59M | 23.95M | 30.97M | 27.49M | 29.97M |
| Stock-Based Compensation | 11.40M | 10.80M | 8.93M | 8.71M | 6.55M | 7.89M | 9.36M | 6.06M | 5.83M | 4.50M |
| Change in Working Capital | -12.74M | 8.81M | -20.50M | -14.69M | 53.42M | -20.14M | -45.79M | 13.20M | -15.53M | — |
| Operating Cash Flow | 384.04M | 349.73M | 293.97M | 607.31M | 359.32M | 158.68M | 153.93M | 270.01M | 207.96M | 139.91M |
| Capital Expenditures | -27.58M | -47.04M | -72.48M | -42.70M | -26.48M | -18.46M | -20.94M | -17.62M | -22.18M | -17.38M |
| Investing Cash Flow | 33.42M | -991.04M | -163.29M | -2.02B | -1.81B | -1.58B | 163.22M | -359.48M | -45.51M | -732.33M |
| Dividends Paid | -118.52M | -112.32M | -105.08M | -86.88M | -66.91M | -58.91M | -53.04M | -41.63M | -26.21M | -15.85M |
| Share Repurchases | -44.27M | 0 | 0 | 0 | -15.10M | -20.78M | -13.02M | 0 | 0 | -13.66M |
| Debt Issued | — | — | — | — | — | — | — | 98.19M | 0 | 0 |
| Debt Repaid | — | — | — | — | — | — | — | -71.83M | -75.00M | 0 |
| Financing Cash Flow | -541.57M | 157.31M | 226.34M | -258.78M | 2.16B | 2.52B | -129.21M | 102.46M | -65.53M | 569.40M |
| Net Change in Cash | -124.12M | -484.00M | 357.02M | -1.67B | 709.89M | 1.09B | 187.94M | 12.99M | 96.93M | -23.02M |
| Free Cash Flow | 356.46M | 302.69M | 221.49M | 564.60M | 332.84M | 140.22M | 132.99M | 252.39M | 185.78M | 122.54M |
This table shows 10 annual periods of United Community Banks's cash flow statement, from FY 2025 back to FY 2016, across 14 line items including net income, depreciation & amortization, stock-based compensation. Values in USD; B = billions, M = millions. Fiscal periods follow UCB's reporting calendar. What is a cash flow statement?