United Community Banks, Inc. (UCB) — Financial Flexibility Index
United Community Banks, Inc. (UCB) has a Financial Flexibility Index of 0.00x as of March 2026. Free cash flow of $76.20 Million (operating CF $69.28 Million minus capex $6.92 Million) represents 0% of total liabilities ($24.52 Billion). Check UCB PP&E to net assets ratio to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
United Community Banks, Inc. Financial Flexibility Index (1996–2025)
Historical Financial Flexibility Index trend for United Community Banks, Inc. across 30 annual periods. See UCB working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for United Community Banks, Inc. (1996–2025)
Year-by-year free cash flow to debt coverage for United Community Banks, Inc.. For the full company profile including market capitalisation, see United Community Banks, Inc. market cap and net worth.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.02x | $462.88 Million | $435.30 Million | $24.36 Billion | ▲ +16.3% |
| 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 | — |