United Community Banks, Inc. (UCB) — Cash Flow-to-Debt Ratio
United Community Banks, Inc. (UCB) has a Cash Flow-to-Debt Ratio of 0.01x as of September 2025, meaning its operating cash flow of $123.09 Million could theoretically repay 0% of its total liabilities ($24.55 Billion) in one year. See how much free cash does United Community Banks, Inc. generate to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
United Community Banks, Inc. Cash Flow-to-Debt Ratio (1996–2024)
Historical debt coverage capacity for United Community Banks, Inc. across 29 annual periods. Also explore United Community Banks, Inc. annual equity growth to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for United Community Banks, Inc. (1996–2024)
Year-by-year debt coverage analysis for United Community Banks, Inc.. For market capitalisation and broader financial context, see United Community Banks, Inc. (UCB) total market value.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2024 | 0.01x | $349.73 Million | $24.29 Billion | ▲ +17.7% |
| 2023 | 0.01x | $293.97 Million | $24.04 Billion | ▼ -57.1% |
| 2022 | 0.03x | $607.31 Million | $21.31 Billion | ▲ +48.5% |
| 2021 | 0.02x | $359.32 Million | $18.72 Billion | ▲ +90.9% |
| 2020 | 0.01x | $158.68 Million | $15.79 Billion | ▼ -26.3% |
| 2019 | 0.01x | $153.93 Million | $11.28 Billion | ▼ -43.8% |
| 2018 | 0.02x | $270.01 Million | $11.12 Billion | ▲ +24.0% |
| 2017 | 0.02x | $207.96 Million | $10.61 Billion | ▲ +34.9% |
| 2016 | 0.01x | $139.91 Million | $9.63 Billion | ▲ +10.1% |
| 2015 | 0.01x | $113.43 Million | $8.60 Billion | ▼ -9.3% |
| 2014 | 0.01x | $99.28 Million | $6.83 Billion | ▼ -49.7% |
| 2013 | 0.03x | $191.65 Million | $6.63 Billion | ▼ -1.8% |
| 2012 | 0.03x | $183.08 Million | $6.22 Billion | ▲ +24.2% |
| 2011 | 0.02x | $151.88 Million | $6.41 Billion | ▲ +30.8% |
| 2010 | 0.02x | $123.39 Million | $6.81 Billion | ▼ -8.6% |
| 2009 | 0.02x | $139.56 Million | $7.04 Billion | ▲ +24.3% |
| 2008 | 0.02x | $121.31 Million | $7.60 Billion | ▲ +11.6% |
| 2007 | 0.01x | $105.41 Million | $7.38 Billion | ▲ +83.0% |
| 2006 | 0.01x | $50.65 Million | $6.48 Billion | ▼ -59.6% |
| 2005 | 0.02x | $104.34 Million | $5.39 Billion | ▲ +166.9% |
| 2004 | 0.01x | $34.01 Million | $4.69 Billion | ▼ -63.1% |
| 2003 | 0.02x | $74.03 Million | $3.77 Billion | ▲ +95.3% |
| 2002 | 0.01x | $30.06 Million | $2.99 Billion | ▲ +2.8% |
| 2001 | 0.01x | $24.99 Million | $2.55 Billion | ▲ +19.8% |
| 2000 | 0.01x | $19.35 Million | $2.37 Billion | ▼ -32.4% |
| 1999 | 0.01x | $27.36 Million | $2.27 Billion | ▲ +82.4% |
| 1998 | 0.01x | $11.24 Million | $1.70 Billion | ▼ -49.0% |
| 1997 | 0.01x | $13.99 Million | $1.08 Billion | ▼ -42.1% |
| 1996 | 0.02x | $17.37 Million | $775.63 Million | — |