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. Check United Community Banks, Inc. cash earnings quality to evaluate the quality of earnings relative to operating cash generation.
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. Explore United Community Banks, Inc. long-term investment intensity to see how much of total assets are deployed in long-term investments.
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 how much is United Community Banks, Inc. worth.
| 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 | — |