United Community Banks Inc (UCB)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 12-2025 | 12-2024 | 12-2023 | 12-2022 | 12-2021 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 328,095 | 252,397 | 187,544 | 277,472 | 269,801 |
| Depreciation Amortization | 45,951 | 46,030 | 44,963 | 46,700 | -2,063 |
| Income taxes - deferred | 10,145 | 7,196 | 6,389 | 10,918 | 20,787 |
| Other Working Capital | -52,860 | -39,977 | -87,474 | 206,457 | 113,141 |
| Loans | 18,153 | -24,526 | -17,321 | 144,537 | 61,324 |
| Other Operating Activity | 34,551 | 108,614 | 159,870 | -78,777 | -103,670 |
| Operating Cash Flow | $384,035 | $349,734 | $293,971 | $607,307 | $359,320 |
| Cash Flows From Investing Activities | |||||
| PPE Investments | -27,579 | -47,044 | -72,485 | -32,961 | -22,236 |
| Net Acquisitions | 41,246 | 8,592 | 113,953 | 35,243 | 103,065 |
| Purchase Of Investment | -518,882 | -2,046,032 | -875,749 | -2,030,610 | -3,400,939 |
| Sale Of Investment | 1,453,884 | 992,314 | 1,656,205 | 1,229,882 | 1,332,026 |
| Net Loans | -934,103 | 82,716 | -996,520 | -1,228,675 | 178,234 |
| Other Investing Activity | 18,851 | 18,412 | 11,307 | 6,940 | 3,447 |
| Investing Cash Flow | $33,417 | $-991,042 | $-163,289 | $-2,020,181 | $-1,806,403 |
| Cash Flows From Financing Activities | |||||
| Debt Issued | 126,000 | 1,100 | 2,225,000 | 790,000 | 10,000 |
| Debt Repayment | -261,000 | -69,657 | -2,870,000 | -240,000 | -115,141 |
| Common Stock Repurchased | -44,269 | N/A | N/A | N/A | -15,101 |
| Dividend Paid | -123,237 | -118,609 | -111,720 | -93,758 | -73,790 |
| Other Financing Activity | -202,763 | 194,987 | -355,581 | 151,904 | -2,445 |
| Financing Cash Flow | $-541,571 | $157,306 | $226,340 | $-258,783 | $2,156,974 |
| Beginning Cash Position | 519,873 | 1,003,875 | 646,853 | 2,318,510 | 1,608,619 |
| End Cash Position | 395,754 | 519,873 | 1,003,875 | 646,853 | 2,318,510 |
| Net Cash Flow | $-124,119 | $-484,002 | $357,022 | $-1,671,657 | $709,891 |
| Free Cash Flow | |||||
| Operating Cash Flow | 384,035 | 349,734 | 293,971 | 607,307 | 359,320 |
| Capital Expenditure | -27,579 | -47,044 | -72,485 | -42,704 | -26,483 |
| Free Cash Flow | 356,456 | 302,690 | 221,486 | 564,603 | 332,837 |