United Community Banks, Inc. (UCB) — 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). Check total reinvestment intensity of United Community Banks, Inc. to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
United Community Banks, Inc. Financial Flexibility Index (1996–2024)
Historical Financial Flexibility Index trend for United Community Banks, Inc. across 29 annual periods. For the full cash flow conversion analysis, see United Community Banks, Inc. (UCB) cash flow conversion.
Annual Financial Flexibility Index for United Community Banks, Inc. (1996–2024)
Year-by-year free cash flow to debt coverage for United Community Banks, Inc.. Explore United Community Banks, Inc. (UCB) cash flow to debt to assess how comfortably operating cash covers total debt obligations.
| 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 | — |