United Community Banks, Inc. Financial Flexibility Index
United Community Banks, Inc. financial flexibility index. United Community Banks, Inc. (UCB) has a Financial Flexibility Index of 0.01x as of September 2025. Free cash flow of $128.48 Million (operating CF $123.09 Million minus capex $5.39 Million) represents 0% of total liabilities ($24.55 Billion). See United Community Banks, Inc. free cash flow efficiency to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of United Community Banks, Inc. (1996–2024)
Financial flexibility index of United Community Banks, Inc. from 1996 to 2024. Historical Financial Flexibility Index trend for United Community Banks, Inc. across 29 annual periods. Check United Community Banks, Inc. (UCB) cash earnings ratio to evaluate the quality of earnings relative to operating cash generation.
United Community Banks, Inc. Financial Flexibility Index by Year (1996–2024)
United Community Banks, Inc. financial flexibility index by year from 1996 to 2024. Year-by-year free cash flow to debt coverage for United Community Banks, Inc.. For the full cash flow conversion analysis, see UCB cash generation efficiency.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.02x | $396.78 Million | $349.73 Million | $24.29 Billion | ▲ +7.1% |
| 2023 | 0.02x | $366.46 Million | $293.97 Million | $24.04 Billion | ▼ -50.0% |
| 2022 | 0.03x | $650.01 Million | $607.31 Million | $21.31 Billion | ▲ +48.1% |
| 2021 | 0.02x | $385.80 Million | $359.32 Million | $18.72 Billion | ▲ +83.6% |
| 2020 | 0.01x | $177.14 Million | $158.68 Million | $15.79 Billion | ▼ -27.6% |
| 2019 | 0.02x | $174.88 Million | $153.93 Million | $11.28 Billion | ▼ -40.1% |
| 2018 | 0.03x | $287.62 Million | $270.01 Million | $11.12 Billion | ▲ +19.3% |
| 2017 | 0.02x | $230.15 Million | $207.96 Million | $10.61 Billion | ▲ +32.8% |
| 2016 | 0.02x | $157.29 Million | $139.91 Million | $9.63 Billion | ▲ +13.3% |
| 2015 | 0.01x | $123.96 Million | $113.43 Million | $8.60 Billion | ▼ -5.7% |
| 2014 | 0.02x | $104.33 Million | $99.28 Million | $6.83 Billion | ▼ -49.3% |
| 2013 | 0.03x | $199.79 Million | $191.65 Million | $6.63 Billion | ▲ +0.1% |
| 2012 | 0.03x | $187.19 Million | $183.08 Million | $6.22 Billion | ▲ +21.2% |
| 2011 | 0.02x | $159.09 Million | $151.88 Million | $6.41 Billion | ▲ +29.5% |
| 2010 | 0.02x | $130.51 Million | $123.39 Million | $6.81 Billion | ▼ -12.6% |
| 2009 | 0.02x | $154.43 Million | $139.56 Million | $7.04 Billion | ▲ +25.7% |
| 2008 | 0.02x | $132.71 Million | $121.31 Million | $7.60 Billion | ▼ -7.7% |
| 2007 | 0.02x | $139.47 Million | $105.41 Million | $7.38 Billion | ▲ +60.2% |
| 2006 | 0.01x | $76.53 Million | $50.65 Million | $6.48 Billion | ▼ -47.7% |
| 2005 | 0.02x | $121.78 Million | $104.34 Million | $5.39 Billion | ▲ +115.5% |
| 2004 | 0.01x | $49.15 Million | $34.01 Million | $4.69 Billion | ▼ -55.3% |
| 2003 | 0.02x | $88.41 Million | $74.03 Million | $3.77 Billion | ▲ +62.9% |
| 2002 | 0.01x | $43.05 Million | $30.06 Million | $2.99 Billion | ▲ +11.6% |
| 2001 | 0.01x | $32.97 Million | $24.99 Million | $2.55 Billion | ▲ +15.4% |
| 2000 | 0.01x | $26.52 Million | $19.35 Million | $2.37 Billion | ▼ -31.9% |
| 1999 | 0.02x | $37.19 Million | $27.36 Million | $2.27 Billion | ▲ +13.2% |
| 1998 | 0.01x | $24.62 Million | $11.24 Million | $1.70 Billion | ▼ -34.0% |
| 1997 | 0.02x | $23.69 Million | $13.99 Million | $1.08 Billion | ▼ -16.7% |
| 1996 | 0.03x | $20.47 Million | $17.37 Million | $775.63 Million | — |