United Community Banks, Inc. (UCB) — Cash Flow Reinvestment Rate
United Community Banks, Inc. (UCB) has a Cash Flow Reinvestment Rate of 0.20x as of September 2025, reinvesting $24.94 Million (capex $5.39 Million plus investments $-19.56 Million) from operating cash flow of $123.09 Million. Explore United Community Banks, Inc. capex to cash flow ratio to see what proportion of operating cash flow is directed to capital expenditures.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
United Community Banks, Inc. Cash Flow Reinvestment Rate (1996–2024)
Historical reinvestment intensity for United Community Banks, Inc. across 29 annual periods. Also explore UCB total assets for the complete picture of this company's asset base.
Annual Cash Flow Reinvestment Rate for United Community Banks, Inc. (1996–2024)
Year-by-year capital reinvestment analysis for United Community Banks, Inc.. For live market cap and broader valuation context, see UCB stock market capitalisation.
| Year | Reinvestment Rate | Total Reinvested (USD) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2024 | 2.97x | $1.04 Billion | $349.73 Million | $47.04 Million | ▲ +270.1% |
| 2023 | 0.80x | $235.77 Million | $293.97 Million | $72.48 Million | ▼ -76.4% |
| 2022 | 3.40x | $2.06 Billion | $607.31 Million | $42.70 Million | ▼ -33.4% |
| 2021 | 5.10x | $1.83 Billion | $359.32 Million | $26.48 Million | ▼ -49.4% |
| 2020 | 10.08x | $1.60 Billion | $158.68 Million | $18.46 Million | ▲ +7306.3% |
| 2019 | 0.14x | $20.94 Million | $153.93 Million | $20.94 Million | ▲ +108.5% |
| 2018 | 0.07x | $17.62 Million | $270.01 Million | $17.62 Million | ▼ -38.8% |
| 2017 | 0.11x | $22.18 Million | $207.96 Million | $22.18 Million | ▼ -14.1% |
| 2016 | 0.12x | $17.38 Million | $139.91 Million | $17.38 Million | ▲ +33.7% |
| 2015 | 0.09x | $10.53 Million | $113.43 Million | $10.53 Million | ▲ +82.4% |
| 2014 | 0.05x | $5.05 Million | $99.28 Million | $5.05 Million | ▲ +19.8% |
| 2013 | 0.04x | $8.14 Million | $191.65 Million | $8.14 Million | ▲ +88.9% |
| 2012 | 0.02x | $4.12 Million | $183.08 Million | $4.12 Million | ▼ -52.6% |
| 2011 | 0.05x | $7.21 Million | $151.88 Million | $7.21 Million | ▼ -17.8% |
| 2010 | 0.06x | $7.13 Million | $123.39 Million | $7.13 Million | ▼ -45.8% |
| 2009 | 0.11x | $14.87 Million | $139.56 Million | $14.87 Million | ▲ +13.4% |
| 2008 | 0.09x | $11.39 Million | $121.31 Million | $11.39 Million | ▼ -70.9% |
| 2007 | 0.32x | $34.06 Million | $105.41 Million | $34.06 Million | ▼ -36.8% |
| 2006 | 0.51x | $25.88 Million | $50.65 Million | $25.88 Million | ▲ +205.9% |
| 2005 | 0.17x | $17.43 Million | $104.34 Million | $17.43 Million | ▼ -62.5% |
| 2004 | 0.45x | $15.14 Million | $34.01 Million | $15.14 Million | ▲ +129.2% |
| 2003 | 0.19x | $14.38 Million | $74.03 Million | $14.38 Million | ▼ -55.1% |
| 2002 | 0.43x | $12.99 Million | $30.06 Million | $12.99 Million | ▲ +35.4% |
| 2001 | 0.32x | $7.98 Million | $24.99 Million | $7.98 Million | ▼ -13.8% |
| 2000 | 0.37x | $7.17 Million | $19.35 Million | $7.17 Million | ▲ +3.0% |
| 1999 | 0.36x | $9.83 Million | $27.36 Million | $9.83 Million | ▼ -69.8% |
| 1998 | 1.19x | $13.38 Million | $11.24 Million | $13.38 Million | ▲ +71.7% |
| 1997 | 0.69x | $9.70 Million | $13.99 Million | $9.70 Million | ▲ +288.9% |
| 1996 | 0.18x | $3.10 Million | $17.37 Million | $3.10 Million | — |