United Community Banks, Inc. (UCB) — Cash Flow Quality Index
United Community Banks, Inc. (UCB) has a Cash Flow Quality Index of 1.35x as of September 2025. Operating cash flow of $123.09 Million exceeds net income of $91.49 Million, indicating high earnings quality where cash backs reported profits. Explore United Community Banks, Inc. (UCB) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
United Community Banks, Inc. Cash Flow Quality Index (1996–2024)
Historical Cash Flow Quality Index for United Community Banks, Inc. across 25 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see how efficiently does United Community Banks, Inc. generate cash.
Annual Cash Flow Quality Index for United Community Banks, Inc. (1996–2024)
Year-by-year earnings quality comparison for United Community Banks, Inc..
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.39x | $349.73 Million | $250.92 Million | ▼ -11.1% |
| 2023 | 1.57x | $293.97 Million | $187.54 Million | ▼ -28.4% |
| 2022 | 2.19x | $607.31 Million | $277.47 Million | ▲ +64.3% |
| 2021 | 1.33x | $359.32 Million | $269.80 Million | ▲ +37.7% |
| 2020 | 0.97x | $158.68 Million | $164.09 Million | ▲ +16.7% |
| 2019 | 0.83x | $153.93 Million | $185.72 Million | ▼ -49.0% |
| 2018 | 1.63x | $270.01 Million | $166.11 Million | ▼ -47.0% |
| 2017 | 3.07x | $207.96 Million | $67.82 Million | ▲ +120.6% |
| 2016 | 1.39x | $139.91 Million | $100.66 Million | ▼ -12.3% |
| 2015 | 1.58x | $113.43 Million | $71.58 Million | ▲ +7.9% |
| 2014 | 1.47x | $99.28 Million | $67.62 Million | ▲ +109.2% |
| 2013 | 0.70x | $191.65 Million | $273.14 Million | ▼ -87.0% |
| 2012 | 5.41x | $183.08 Million | $33.86 Million | ▲ +197.5% |
| 2007 | 1.82x | $105.41 Million | $57.99 Million | ▲ +147.0% |
| 2006 | 0.74x | $50.65 Million | $68.81 Million | ▼ -60.0% |
| 2005 | 1.84x | $104.34 Million | $56.74 Million | ▲ +151.9% |
| 2004 | 0.73x | $34.01 Million | $46.59 Million | ▼ -62.4% |
| 2003 | 1.94x | $74.03 Million | $38.12 Million | ▲ +111.8% |
| 2002 | 0.92x | $30.06 Million | $32.78 Million | ▼ -0.1% |
| 2001 | 0.92x | $24.99 Million | $27.23 Million | ▼ -31.2% |
| 2000 | 1.33x | $19.35 Million | $14.52 Million | ▼ -21.6% |
| 1999 | 1.70x | $27.36 Million | $16.10 Million | ▲ +83.8% |
| 1998 | 0.92x | $11.24 Million | $12.15 Million | ▼ -29.0% |
| 1997 | 1.30x | $13.99 Million | $10.73 Million | ▼ -38.5% |
| 1996 | 2.12x | $17.37 Million | $8.20 Million | — |