United Community Banks, Inc. Cash Flow-to-Debt Ratio
United Community Banks, Inc. 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. Check UCB operating cash flow to net income to evaluate the quality of earnings relative to operating cash generation.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Cash Flow-to-Debt Ratio of United Community Banks, Inc. (1996–2024)
Cash flow-to-debt ratio of United Community Banks, Inc. from 1996 to 2024. Historical debt coverage capacity for United Community Banks, Inc. across 29 annual periods. Check cash flow reinvestment rate of United Community Banks, Inc. to assess the company's total reinvestment commitment from operating cash flow.
United Community Banks, Inc. Cash Flow-to-Debt Ratio by Year (1996–2024)
United Community Banks, Inc. cash flow-to-debt ratio by year from 1996 to 2024. Year-by-year debt coverage analysis for United Community Banks, Inc.. For the full cash flow conversion analysis, see UCB cash flow conversion.
| 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 | — |