United Community Banks annual free cash flow
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2025
United Community Banks Free Cash Flow (FCF) History (UCB)
United Community Banks reported $356.5M in free cash flow for fiscal 2025, an increase of 17.76% from the previous fiscal year, with a free cash flow margin of 33.53%.
View full United Community Banks company overviewUnited Community Banks free cash flow by year
| Fiscal year | Period ended | Free cash flow | Change | Growth | FCF margin |
|---|---|---|---|---|---|
| 2025 | 2025-12-31 | $356.5M | $53.8M | +17.76% | +33.53% |
| 2024 | 2024-12-31 | $302.7M | $81.2M | +36.66% | +31.79% |
| 2023 | 2023-12-31 | $221.5M | −$343.1M | −60.77% | +24.80% |
| 2022 | 2022-12-31 | $564.6M | $231.8M | +69.63% | +68.34% |
| 2021 | 2021-12-31 | $332.8M | $192.6M | +137.37% | +44.71% |
| 2020 | 2020-12-31 | $140.2M | $7.2M | +5.44% | +24.28% |
| 2019 | 2019-12-31 | $133.0M | −$119.4M | −47.31% | +23.71% |
| 2018 | 2018-12-31 | $252.4M | $66.6M | +35.85% | +701.14% |
| 2017 | 2017-12-31 | $185.8M | $63.2M | +51.61% | +485.13% |
| 2016 | 2016-12-31 | $122.5M | $19.6M | +19.09% | +290.98% |
| 2015 | 2015-12-31 | $102.9M | $6.1M | +6.25% | +31.54% |
| 2014 | 2014-12-31 | $96.8M | −$86.7M | −47.23% | +35.88% |
| 2013 | 2013-12-31 | $183.5M | $4.5M | +2.54% | +87.70% |
| 2012 | 2012-12-31 | $179.0M | $34.3M | +23.70% | +80.73% |
| 2011 | 2011-12-31 | $144.7M | $28.4M | +24.44% | +468.65% |
| 2010 | 2010-12-31 | $116.3M | −$8.4M | −6.76% | +174.56% |
| 2009 | 2009-12-31 | $124.7M | — | — | — |
United Community Banks quarterly free cash flow
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Q2.26
| Fiscal quarter | Period ended | Free cash flow | Change | YoY growth | FCF margin |
|---|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | $121.4M | $36.7M | +43.32% | +43.47% |
| Q1 2026 | 2026-03-31 | $62.4M | −$32.0M | −33.89% | +22.55% |
| Q4 2025 | 2025-12-31 | $59.7M | −$82.8M | −58.11% | +21.45% |
| Q3 2025 | 2025-09-30 | $117.7M | $119.9M | — | +42.52% |
| Q2 2025 | 2025-06-30 | $84.7M | −$2.5M | −2.89% | +32.55% |
| Q1 2025 | 2025-03-31 | $94.3M | $19.2M | +25.59% | +38.08% |
| Q4 2024 | 2024-12-31 | $142.6M | $134.1M | +1587.62% | +56.83% |
| Q3 2024 | 2024-09-30 | −$2.2M | −$74.0M | — | −1.01% |
| Q2 2024 | 2024-06-30 | $87.2M | $13.5M | +18.33% | +35.57% |
| Q1 2024 | 2024-03-31 | $75.1M | $7.6M | +11.27% | +31.46% |
| Q4 2023 | 2023-12-31 | $8.4M | −$74.1M | −89.76% | +3.31% |
| Q3 2023 | 2023-09-30 | $71.8M | −$79.6M | −52.58% | +35.16% |
| Q2 2023 | 2023-06-30 | $73.7M | −$63.8M | −46.37% | +34.46% |
| Q1 2023 | 2023-03-31 | $67.5M | −$125.7M | −65.06% | +30.69% |
| Q4 2022 | 2022-12-31 | $82.5M | $12.8M | +18.44% | +36.93% |
| Q3 2022 | 2022-09-30 | $151.5M | $36.2M | +31.38% | +70.02% |
| Q2 2022 | 2022-06-30 | $137.5M | $21.8M | +18.80% | +66.49% |
| Q1 2022 | 2022-03-31 | $193.2M | $161.0M | +500.37% | +107.50% |
| Q4 2021 | 2021-12-31 | $69.7M | −$22.9M | −24.76% | +39.72% |
| Q3 2021 | 2021-09-30 | $115.3M | $79.6M | +223.34% | +59.99% |
| Q2 2021 | 2021-06-30 | $115.7M | $90.4M | +356.20% | +61.62% |
| Q1 2021 | 2021-03-31 | $32.2M | $45.6M | — | +17.02% |
| Q4 2020 | 2020-12-31 | $92.6M | $39.2M | +73.35% | +50.36% |
| Q3 2020 | 2020-09-30 | $35.7M | −$9.1M | −20.35% | +22.95% |
| Q2 2020 | 2020-06-30 | $25.4M | $14.8M | +139.05% | +21.87% |
| Q1 2020 | 2020-03-31 | −$13.4M | −$37.6M | — | −10.95% |
| Q4 2019 | 2019-12-31 | $53.4M | −$13.2M | −19.87% | +19.92% |
| Q3 2019 | 2019-09-30 | $44.8M | −$34.5M | −43.55% | +30.81% |
| Q2 2019 | 2019-06-30 | $10.6M | −$29.4M | −73.51% | +7.63% |
| Q1 2019 | 2019-03-31 | $24.2M | −$42.2M | −63.54% | +286.35% |
| Q4 2018 | 2018-12-31 | $66.7M | $12.7M | +23.64% | — |
| Q3 2018 | 2018-09-30 | $79.3M | $33.3M | +72.54% | +870.31% |
| Q2 2018 | 2018-06-30 | $40.1M | $13.3M | +49.78% | +30.80% |
| Q1 2018 | 2018-03-31 | $66.4M | $7.2M | +12.19% | +743.75% |
| Q4 2017 | 2017-12-31 | $53.9M | $3.5M | +6.89% | — |
| Q3 2017 | 2017-09-30 | $46.0M | −$5.2M | −10.15% | +559.16% |
| Q2 2017 | 2017-06-30 | $26.7M | $3.6M | +15.35% | +24.75% |
| Q1 2017 | 2017-03-31 | $59.2M | $61.4M | — | +56.44% |
| Q4 2016 | 2016-12-31 | $50.4M | $42.9M | +572.67% | — |
| Q3 2016 | 2016-09-30 | $51.2M | $7.2M | +16.37% | +48.42% |
| Q2 2016 | 2016-06-30 | $23.2M | −$3.7M | −13.70% | +23.48% |
| Q1 2016 | 2016-03-31 | −$2.2M | −$26.8M | — | −2.38% |
| Q4 2015 | 2015-12-31 | $7.5M | −$29.6M | −79.77% | +7.91% |
| Q3 2015 | 2015-09-30 | $44.0M | $22.2M | +101.99% | +52.95% |
| Q2 2015 | 2015-06-30 | $26.9M | $15.3M | +131.52% | +34.72% |
| Q1 2015 | 2015-03-31 | $24.6M | −$1.8M | −6.93% | +34.56% |
| Q4 2014 | 2014-12-31 | $37.1M | $8.4M | +29.14% | +52.24% |
| Q3 2014 | 2014-09-30 | $21.8M | −$32.0M | −59.50% | +31.55% |
| Q2 2014 | 2014-06-30 | $11.6M | −$37.9M | −76.55% | +17.44% |
| Q1 2014 | 2014-03-31 | $26.4M | −$25.2M | −48.82% | +41.59% |
| Q4 2013 | 2013-12-31 | $28.7M | −$14.3M | −33.20% | +43.48% |
| Q3 2013 | 2013-09-30 | $53.7M | $7.5M | +16.22% | +82.54% |
| Q2 2013 | 2013-06-30 | $49.5M | −$8.7M | −15.02% | +224.78% |
| Q1 2013 | 2013-03-31 | $51.6M | $20.1M | +63.60% | +91.94% |
| Q4 2012 | 2012-12-31 | $43.0M | $10.8M | +33.44% | +76.19% |
| Q3 2012 | 2012-09-30 | $46.2M | $21.7M | +88.37% | +83.74% |
| Q2 2012 | 2012-06-30 | $58.2M | −$2.5M | −4.14% | +113.56% |
| Q1 2012 | 2012-03-31 | $31.5M | $4.3M | +15.97% | +53.64% |
| Q4 2011 | 2011-12-31 | $32.2M | −$54.4M | −62.79% | +56.21% |
| Q3 2011 | 2011-09-30 | $24.5M | — | — | +71.44% |
| Q2 2011 | 2011-06-30 | $60.7M | — | — | +98.86% |
| Q1 2011 | 2011-03-31 | $27.2M | — | — | — |
| Q3 2010 | 2010-09-30 | $86.6M | — | — | +395.89% |
United Community Banks free cash flow growth trends
Over the last five reported fiscal years, free cash flow grew from $140.2M to $356.5M, a compound annual growth rate of 20.51%. United Community Banks's latest reported quarter, Q2 2026, generated $121.4M in free cash flow, an increase of 43.32% year over year.
About the metric
What free cash flow means
Free cash flow is the cash a company generates from operations after capital expenditures. Positive FCF can fund dividends, buybacks, debt repayment, or reinvestment; negative FCF means capital spending exceeded operating cash flow for that period.
Calculation and source
How free cash flow is calculated
TickerStat calculates free cash flow as SEC-reported operating cash flow minus capital expenditures. FCF margin equals free cash flow divided by revenue. Fiscal periods can differ from calendar years, so the tables include exact period-end dates.
Review United Community Banks filings at SEC.gov ↗