United Community Banks, Inc. (UCB) — Free Cash Flow Generation Index
United Community Banks, Inc. (UCB) has a Free Cash Flow Generation Index of 0.90x as of March 2026. Free cash flow of $62.36 Million represents 1% of operating cash flow ($69.28 Million). See United Community Banks, Inc. (UCB) working capital ratio to evaluate short-term liquidity relative to the company's equity base.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
United Community Banks, Inc. Free Cash Flow Generation Index (1996–2025)
Historical FCF Generation Index trend for United Community Banks, Inc. across 30 annual periods. Explore United Community Banks, Inc. cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Annual Free Cash Flow Generation for United Community Banks, Inc. (1996–2025)
Year-by-year Free Cash Flow Generation Index for United Community Banks, Inc.. For the full company profile including market capitalisation, see United Community Banks, Inc. market capitalisation.
| Year | FCG Index | Free Cash Flow (USD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.94x | $407.72 Million | $435.30 Million | $27.58 Million | ▲ +8.2% |
| 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 | — |