United Community Banks, Inc. (UCB) — Capital Reinvestment Ratio
United Community Banks, Inc. (UCB) has a Capital Reinvestment Ratio of 0.08x as of June 2026, meaning it reinvests 0% of its operating cash flow ($199.91 Million) in capital expenditures ($16.14 Million). Check UCB tangible net worth ratio to evaluate the tangible quality of the company's equity base.
Capital Reinvestment Ratio
Operating Cash Flow
Capital Expenditures
Data as of
United Community Banks, Inc. Capital Reinvestment Ratio (1996–2025)
This chart tracks United Community Banks, Inc.'s Capital Reinvestment Ratio across 30 annual periods. For the full cash flow conversion analysis, see United Community Banks, Inc. cash flow conversion.
Annual Capital Reinvestment Ratio for United Community Banks, Inc. (1996–2025)
Year-by-year Capital Reinvestment Ratio for United Community Banks, Inc. from 1996 to 2025. See UCB FCF generation index to measure how efficiently the company converts operating cash flow to free cash.
| Year | Reinvestment Ratio | Operating CF (USD) | Capital Expenditures | YoY Change |
|---|---|---|---|---|
| 2025 | 0.06x | $435.30 Million | $27.58 Million | ▼ -52.9% |
| 2024 | 0.13x | $349.73 Million | $47.04 Million | ▼ -45.4% |
| 2023 | 0.25x | $293.97 Million | $72.48 Million | ▲ +250.7% |
| 2022 | 0.07x | $607.31 Million | $42.70 Million | ▼ -4.6% |
| 2021 | 0.07x | $359.32 Million | $26.48 Million | ▼ -36.7% |
| 2020 | 0.12x | $158.68 Million | $18.46 Million | ▼ -14.5% |
| 2019 | 0.14x | $153.93 Million | $20.94 Million | ▲ +108.5% |
| 2018 | 0.07x | $270.01 Million | $17.62 Million | ▼ -38.8% |
| 2017 | 0.11x | $207.96 Million | $22.18 Million | ▼ -14.1% |
| 2016 | 0.12x | $139.91 Million | $17.38 Million | ▲ +33.7% |
| 2015 | 0.09x | $113.43 Million | $10.53 Million | ▲ +82.4% |
| 2014 | 0.05x | $99.28 Million | $5.05 Million | ▲ +19.8% |
| 2013 | 0.04x | $191.65 Million | $8.14 Million | ▲ +88.9% |
| 2012 | 0.02x | $183.08 Million | $4.12 Million | ▼ -52.6% |
| 2011 | 0.05x | $151.88 Million | $7.21 Million | ▼ -17.8% |
| 2010 | 0.06x | $123.39 Million | $7.13 Million | ▼ -45.8% |
| 2009 | 0.11x | $139.56 Million | $14.87 Million | ▲ +13.4% |
| 2008 | 0.09x | $121.31 Million | $11.39 Million | ▼ -70.9% |
| 2007 | 0.32x | $105.41 Million | $34.06 Million | ▼ -36.8% |
| 2006 | 0.51x | $50.65 Million | $25.88 Million | ▲ +205.9% |
| 2005 | 0.17x | $104.34 Million | $17.43 Million | ▼ -62.5% |
| 2004 | 0.45x | $34.01 Million | $15.14 Million | ▲ +129.2% |
| 2003 | 0.19x | $74.03 Million | $14.38 Million | ▼ -55.1% |
| 2002 | 0.43x | $30.06 Million | $12.99 Million | ▲ +35.4% |
| 2001 | 0.32x | $24.99 Million | $7.98 Million | ▼ -13.8% |
| 2000 | 0.37x | $19.35 Million | $7.17 Million | ▲ +3.0% |
| 1999 | 0.36x | $27.36 Million | $9.83 Million | ▼ -69.8% |
| 1998 | 1.19x | $11.24 Million | $13.38 Million | ▲ +71.7% |
| 1997 | 0.69x | $13.99 Million | $9.70 Million | ▲ +288.9% |
| 1996 | 0.18x | $17.37 Million | $3.10 Million | — |