United Community Banks Quarterly Cash Flow Statement
NYSE: UCBFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
United Community Banks free cash flow
In the quarter ended Jun 30, 2026, United Community Banks generated $130.6 million of operating cash flow and spent $9.2 million on capital expenditures. That left free cash flow of $121.4 million, a free-cash-flow margin of 43.5% of revenue. Free cash flow was up 43.3% from the prior year's $84.7 million.
United Community Banks returned $30.4 million to shareholders through dividends, equal to 25% of free cash flow. Free cash flow covered dividend payments 4.0 times.
Summary generated from market data by MetaCap's automated system. Methodology
United Community Banks cash flow statement (quarterly)
| Quarter (USD) | Q2 20262026-06-30 | Q1 20262026-03-31 | Q4 20252025-12-31 | Q3 20252025-09-30 | Q2 20252025-06-30 | Q1 20252025-03-31 | Q4 20242024-12-31 | Q3 20242024-09-30 | Q2 20242024-06-30 | Q1 20242024-03-31 | Q4 20232023-12-31 | Q3 20232023-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 115.64M | 84.29M | 86.45M | 91.49M | 78.73M | 71.41M | 75.80M | 47.35M | 66.61M | 62.63M | 14.09M | 47.87M |
| Net Income growth (YoY) | +46.87% | +18.03% | +14.05% | +93.24% | +18.19% | +14.02% | +438.00% | -1.08% | +5.26% | +0.53% | -82.70% | -41.02% |
| Depreciation & Amortization | 19.12M | 19.82M | 11.84M | 10.78M | 11.88M | 11.45M | 9.38M | 10.93M | 9.74M | 10.88M | 10.94M | 10.44M |
| Stock-Based Compensation | 3.71M | 3.34M | 3.23M | 2.97M | 2.89M | 2.32M | 3.07M | 2.74M | 2.59M | 2.40M | 1.84M | 2.30M |
| Change in Working Capital | -14.35M | 41.99M | -29.61M | 7.63M | -10.63M | 19.88M | 29.97M | -25.73M | 16.93M | -12.36M | -3.57M | -13.97M |
| Operating Cash Flow | 130.63M | 69.28M | 65.47M | 123.09M | 96.84M | 98.63M | 148.09M | 7.74M | 105.09M | 88.81M | 21.77M | 87.17M |
| Capital Expenditures | -9.21M | -6.92M | -5.76M | -5.39M | -12.12M | -4.31M | -5.54M | -9.94M | -17.86M | -13.71M | -13.33M | -15.35M |
| Investing Cash Flow | -897.03M | -45.54M | -50.16M | -19.56M | 159.72M | -56.58M | -680.62M | -63.15M | -124.76M | -122.51M | -160.92M | 161.10M |
| Dividends Paid | -30.38M | -30.59M | -30.84M | -29.54M | -29.08M | -29.06M | -29.05M | -27.77M | -27.76M | -27.73M | -27.73M | -26.86M |
| Share Repurchases | 0 | -37.09M | -30.33M | 0 | -13.94M | 0 | 0 | 0 | — | — | — | — |
| Financing Cash Flow | 728.36M | 73.65M | -232.99M | -65.06M | -318.31M | 74.79M | 312.36M | 232.59M | -379.41M | -8.24M | 383.52M | -199.50M |
| Net Change in Cash | -38.04M | 97.39M | -217.68M | 38.48M | -61.76M | 116.84M | -220.17M | 177.18M | -399.07M | -41.94M | 244.37M | 48.77M |
| Free Cash Flow | 121.41M | 62.36M | 59.71M | 117.71M | 84.72M | 94.32M | 142.55M | -2.20M | 87.23M | 75.10M | 8.45M | 71.83M |
This table shows 12 quarterly periods of United Community Banks's cash flow statement, from Q2 2026 back to Q3 2023, 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?