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 long-term investment intensity of United Community Banks, Inc. to see how much of total assets are deployed in long-term investments.
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. Check United Community Banks, Inc. (UCB) tangible net worth to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for United Community Banks, Inc. (1996–2024)
Year-by-year earnings quality comparison for United Community Banks, Inc.. For live market cap and the full company financial profile, see United Community Banks, Inc. (UCB) total market value.
| 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 | — |