United Community Banks Inc (UCB)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 03-2026 | 12-2025 | 09-2025 | 06-2025 | 03-2025 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 84,289 | 328,095 | 241,640 | 150,146 | 71,413 |
| Depreciation Amortization | 19,819 | 45,951 | 34,110 | 23,326 | 11,448 |
| Income taxes - deferred | 6,055 | 10,145 | 2,120 | 3,550 | 168 |
| Other Working Capital | -53,051 | -52,860 | 3,489 | -10,316 | -735 |
| Loans | -1,976 | 18,153 | 22,732 | 20,391 | 20,190 |
| Other Operating Activity | 14,145 | 34,551 | 14,472 | 8,371 | -3,852 |
| Operating Cash Flow | $69,281 | $384,035 | $318,563 | $195,468 | $98,632 |
| Cash Flows From Investing Activities | |||||
| PPE Investments | -6,924 | -27,579 | -21,820 | -16,434 | -4,313 |
| Net Acquisitions | N/A | 41,246 | 41,246 | 41,246 | N/A |
| Purchase Of Investment | -56,821 | -518,882 | -313,714 | -207,311 | -64,016 |
| Sale Of Investment | 252,131 | 1,453,884 | 1,070,775 | 730,139 | 261,238 |
| Net Loans | -236,778 | -934,103 | -709,641 | -453,439 | -253,750 |
| Other Investing Activity | 2,852 | 18,851 | 16,734 | 8,936 | 4,262 |
| Investing Cash Flow | $-45,540 | $33,417 | $83,580 | $103,137 | $-56,579 |
| Cash Flows From Financing Activities | |||||
| Debt Issued | 475,000 | 126,000 | 126,000 | 126,000 | 126,000 |
| Debt Repayment | -475,000 | -261,000 | -226,000 | -226,000 | -126,000 |
| Common Stock Repurchased | -37,093 | -44,269 | -13,942 | -13,942 | N/A |
| Dividend Paid | -30,589 | -123,237 | -92,396 | -61,282 | -30,630 |
| Other Financing Activity | -85,283 | -202,763 | -287,316 | -195,792 | -195,976 |
| Financing Cash Flow | $73,646 | $-541,571 | $-308,585 | $-243,522 | $74,786 |
| Beginning Cash Position | 395,754 | 519,873 | 519,873 | 519,873 | 519,873 |
| End Cash Position | 493,141 | 395,754 | 613,431 | 574,956 | 636,712 |
| Net Cash Flow | $97,387 | $-124,119 | $93,558 | $55,083 | $116,839 |
| Free Cash Flow | |||||
| Operating Cash Flow | 69,281 | 384,035 | 318,563 | 195,468 | 98,632 |
| Capital Expenditure | -6,924 | -27,579 | -21,820 | -16,434 | -4,313 |
| Free Cash Flow | 62,357 | 356,456 | 296,743 | 179,034 | 94,319 |