United Community Banks, Inc. (UCB) — Free Cash Flow Generation Index
United Community Banks, Inc. (UCB) has a Free Cash Flow Generation Index of 0.96x as of September 2025. Free cash flow of $117.71 Million represents 1% of operating cash flow ($123.09 Million). Explore United Community Banks, Inc. capital spending ratio to see what proportion of operating cash flow is directed to capital expenditures.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
United Community Banks, Inc. Free Cash Flow Generation Index (1996–2024)
Historical FCF Generation Index trend for United Community Banks, Inc. across 29 annual periods. For the full cash flow conversion analysis, see United Community Banks, Inc. operating cash flow efficiency.
Annual Free Cash Flow Generation for United Community Banks, Inc. (1996–2024)
Year-by-year Free Cash Flow Generation Index for United Community Banks, Inc.. Check UCB total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
| Year | FCG Index | Free Cash Flow (USD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.87x | $302.69 Million | $349.73 Million | $47.04 Million | ▲ +14.9% |
| 2023 | 0.75x | $221.49 Million | $293.97 Million | $72.48 Million | ▼ -19.0% |
| 2022 | 0.93x | $564.60 Million | $607.31 Million | $42.70 Million | ▲ +0.4% |
| 2021 | 0.93x | $332.84 Million | $359.32 Million | $26.48 Million | ▲ +4.8% |
| 2020 | 0.88x | $140.22 Million | $158.68 Million | $18.46 Million | ▲ +2.3% |
| 2019 | 0.86x | $132.99 Million | $153.93 Million | $20.94 Million | ▼ -7.6% |
| 2018 | 0.93x | $252.39 Million | $270.01 Million | $17.62 Million | ▲ +4.6% |
| 2017 | 0.89x | $185.78 Million | $207.96 Million | $22.18 Million | ▲ +2.0% |
| 2016 | 0.88x | $122.54 Million | $139.91 Million | $17.38 Million | ▼ -3.5% |
| 2015 | 0.91x | $102.89 Million | $113.43 Million | $10.53 Million | ▼ -4.4% |
| 2014 | 0.95x | $94.22 Million | $99.28 Million | $5.05 Million | ▼ -0.9% |
| 2013 | 0.96x | $183.51 Million | $191.65 Million | $8.14 Million | ▼ -2.0% |
| 2012 | 0.98x | $178.96 Million | $183.08 Million | $4.12 Million | ▲ +2.6% |
| 2011 | 0.95x | $144.67 Million | $151.88 Million | $7.21 Million | ▲ +1.1% |
| 2010 | 0.94x | $116.26 Million | $123.39 Million | $7.13 Million | ▲ +5.5% |
| 2009 | 0.89x | $124.69 Million | $139.56 Million | $14.87 Million | ▼ -1.4% |
| 2008 | 0.91x | $109.92 Million | $121.31 Million | $11.39 Million | ▲ +33.9% |
| 2007 | 0.68x | $71.35 Million | $105.41 Million | $34.06 Million | ▲ +38.4% |
| 2006 | 0.49x | $24.77 Million | $50.65 Million | $25.88 Million | ▼ -41.3% |
| 2005 | 0.83x | $86.91 Million | $104.34 Million | $17.43 Million | ▲ +50.2% |
| 2004 | 0.55x | $18.86 Million | $34.01 Million | $15.14 Million | ▼ -31.2% |
| 2003 | 0.81x | $59.65 Million | $74.03 Million | $14.38 Million | ▲ +41.9% |
| 2002 | 0.57x | $17.07 Million | $30.06 Million | $12.99 Million | ▼ -16.6% |
| 2001 | 0.68x | $17.01 Million | $24.99 Million | $7.98 Million | ▲ +8.1% |
| 2000 | 0.63x | $12.19 Million | $19.35 Million | $7.17 Million | ▼ -1.7% |
| 1999 | 0.64x | $17.53 Million | $27.36 Million | $9.83 Million | ▲ +435.5% |
| 1998 | -0.19x | $-2.15 Million | $11.24 Million | $13.38 Million | ▼ -162.3% |
| 1997 | 0.31x | $4.29 Million | $13.99 Million | $9.70 Million | ▼ -62.7% |
| 1996 | 0.82x | $14.27 Million | $17.37 Million | $3.10 Million | — |