United Community Banks, Inc. (UCB) — Cash Flow Reinvestment Rate
United Community Banks, Inc. (UCB) has a Cash Flow Reinvestment Rate of 2.79x as of June 2026, reinvesting $558.03 Million (capex $16.14 Million plus investments $-541.89 Million) from operating cash flow of $199.91 Million. See free cash flow generation of United Community Banks, Inc. to measure how efficiently the company converts operating cash flow to free cash.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
United Community Banks, Inc. Cash Flow Reinvestment Rate (1996–2025)
Historical reinvestment intensity for United Community Banks, Inc. across 30 annual periods. For the full cash flow conversion analysis, see United Community Banks, Inc. (UCB) cash conversion ratio.
Annual Cash Flow Reinvestment Rate for United Community Banks, Inc. (1996–2025)
Year-by-year capital reinvestment analysis for United Community Banks, Inc.. See United Community Banks, Inc. financial flexibility index to measure the company's free cash flow as a share of total liabilities.
| Year | Reinvestment Rate | Total Reinvested (USD) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2025 | 2.21x | $962.58 Million | $435.30 Million | $27.58 Million | ▼ -25.5% |
| 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 | — |