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). Read United Community Banks, Inc. (UCB) financial obligations for a breakdown of total debt and financial obligations.
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 UCB capex to operating cash flow ratio to see what proportion of operating cash flow is directed to capital expenditures.
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 cap and net worth.
| 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 | — |