United Community Banks, Inc. Cash Flow Quality Index
United Community Banks, Inc. 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. See United Community Banks, Inc. (UCB) flexibility index to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of United Community Banks, Inc. (1996–2024)
Cash flow quality index of United Community Banks, Inc. from 1996 to 2024. Historical Cash Flow Quality Index for United Community Banks, Inc. across 25 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore UCB operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
United Community Banks, Inc. Cash Flow Quality Index by Year (1996–2024)
United Community Banks, Inc. cash flow quality index by year from 1996 to 2024. Year-by-year earnings quality comparison for United Community Banks, Inc.. For the full cash flow conversion analysis, see UCB cash generation efficiency.
| 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 | — |