← UNITED COMMUNITY BANKS INC
| Annual Trend | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Net Income (Loss) Attributable to Parent | $100.7m |
$67.8m
-32.62%
|
$166.1m
+144.93%
|
$185.7m
+11.81%
|
$164.1m
-11.65%
|
$269.8m
+64.42%
|
$277.5m
+2.84%
|
$187.5m
-32.41%
|
$252.4m
+34.58%
|
$328.1m
+29.99%
|
— | |
| Net Income (Loss) Available to Common Stockholders, Basic | $100.6m |
$67.2m
-33.17%
|
$164.9m
+145.24%
|
$184.3m
+11.77%
|
$159.3m
-13.60%
|
$261.3m
+64.04%
|
$269.1m
+3.01%
|
$180.8m
-32.80%
|
$244.6m
+35.27%
|
$318.2m
+30.07%
|
— | |
| Depreciation, Amortization and Accretion, Net | $30.0m | $27.5m | $31.0m | $24.0m | ($8.6m) | ($2.1m) | $46.7m | $45.0m | $40.9m | $46.0m | $61.6m | |
| Amortization of Intangible Assets | $4.2m | $4.8m | $6.8m | $4.9m | $4.2m | $4.0m | $6.8m | $15.2m | $14.6m | $13.1m | — | |
| Depreciation, Nonproduction | $11.5m | $12.0m | $14.2m | $15.3m | $15.6m | $15.7m | $17.0m | $19.0m | $24.7m | $26.2m | $61.6m | |
| Depreciation Amortization Depletion | — | — | — | — | — | — | $46.7m | $45.0m | $40.9m | $46.0m | $61.6m | |
| Deferred Income Tax Expense (Benefit) | $59.7m | $99.6m | $32.6m | $14.9m | $2.7m | $20.8m | $10.9m | $6.4m | $7.2m | $10.1m | $24.8m | |
| Deferred Other Tax Expense (Benefit) | — | $61.0m | $32.6m | $14.9m | $2.7m | $20.8m | $10.9m | $6.4m | $7.2m | — | — | |
| Deferred Tax | — | — | — | — | — | — | $10.9m | $6.4m | $7.2m | $10.1m | $24.8m | |
| Share-based Payment Arrangement, Noncash Expense | $4.5m | $5.8m | $6.1m | $9.4m | $7.9m | $6.6m | $8.7m | $8.9m | $10.8m | $11.4m | $13.3m | |
| Payment, Tax Withholding, Share-based Payment Arrangement | — | $1.7m | $2.0m | $1.7m | $3.1m | $3.2m | — | — | — | — | — | |
| Share-based Payment Arrangement, Expense | $2.3m | $2.7m | — | — | — | — | — | — | — | — | $13.3m | |
| Asset Impairment Charge | — | — | — | — | — | — | $0 | $0 | $5.1m | $0 | $0 | |
| Changes in operating assets and liabilities: | ||||||||||||
| Change In Working Capital | — | — | — | — | — | — | $206.5m | ($87.5m) | ($40.0m) | ($52.9m) | ($84.8m) | |
| Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal | — | — | — | — | — | — | $53.7m | $94.5m | $56.6m | $44.1m | — | |
| Increase (Decrease) in Other Operating Assets | — | — | — | $45.8m | $20.1m | ($53.4m) | $14.7m | $20.5m | ($8.8m) | $12.7m | — | |
| Gain (Loss) on Disposition of Other Assets | $397k | ($2.0m) | $152k | — | — | — | — | — | — | — | — | |
| Change In Other Current Assets | — | — | — | — | — | — | ($14.7m) | ($20.5m) | $8.8m | ($12.7m) | ($85.7m) | |
| Change In Other Current Liabilities | — | — | — | — | — | — | $76.6m | ($49.6m) | ($24.3m) | ($58.3m) | ($58.3m) | |
| Net Cash Provided by (Used in) Operating Activities | $138.7m |
$208.0m
+49.91%
|
$270.0m
+29.83%
|
$153.9m
-42.99%
|
$158.7m
+3.08%
|
$359.3m
+126.44%
|
$607.3m
+69.02%
|
$294.0m
-51.59%
|
$349.7m
+18.97%
|
$384.0m
+9.81%
|
$388.5m
+1.16%
|
|
| Cash flows from investing activities: | ||||||||||||
| Payments to Acquire Property, Plant, and Equipment | $17.4m | $22.2m | $17.6m | $20.9m | $18.5m | $26.5m | $42.7m | $72.5m | $47.0m | $27.6m | ($27.3m) | |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $392.6m | $605.9m | $346.5m | $349.8m | $834.7m | $974.7m | $706.3m | $646.1m | $686.9m | $771.0m | — | |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | — | — | — | ($1.0m) | $748k | $83k | ($3.9m) | ($53.3m) | ($3.3m) | $352k | — | |
| Gain (Loss) on Sale of Investments | — | — | ($656k) | — | — | — | — | — | — | — | — | |
| Payments to Acquire Businesses, Net of Cash Acquired | — | — | $56.8m | $19.5m | ($195.7m) | ($103.1m) | ($35.2m) | ($207.6m) | ($8.6m) | ($41.2m) | $0 | |
| Payments for (Proceeds from) Other Investing Activities | — | — | — | ($1.9m) | $10.2m | — | — | — | — | — | — | |
| Net Other Investing Changes | — | — | — | — | — | — | $6.9m | $11.3m | $18.4m | $18.9m | $14.1m | |
| Net Cash Provided by (Used in) Investing Activities | — | — | ($359.5m) | $163.2m | ($1.6b) | ($1.8b) | ($2.0b) | ($163.3m) | ($991.0m) | $33.4m | ($1.0b) | |
| Cash flows from financing activities: | ||||||||||||
| Repayments of Long-term Debt | — | $75.0m | $71.8m | — | — | — | — | — | — | — | ($1.4b) | |
| Gain (Loss) on Extinguishment of Debt | — | — | — | — | — | — | — | — | $2.3m | ($768k) | — | |
| Proceeds from Issuance of Long-term Debt | — | — | $98.2m | — | — | — | — | — | — | — | $2.1b | |
| Issuance Of Debt | — | — | — | — | — | — | $790.0m | $2.2b | $1.1m | $126.0m | $2.1b | |
| Long Term Debt Issuance | — | — | — | — | — | — | $790.0m | $2.2b | $1.1m | $126.0m | $2.1b | |
| Long Term Debt Payments | — | — | — | — | — | — | ($240.0m) | ($2.9b) | ($69.7m) | ($261.0m) | ($1.4b) | |
| Net Issuance Payments Of Debt | — | — | — | — | — | — | $708.9m | ($992.6m) | $126.4m | ($245.0m) | $1.0b | |
| Net Long Term Debt Issuance | — | — | — | — | — | — | $550.0m | ($645.0m) | ($68.6m) | ($135.0m) | $665.0m | |
| Net Short Term Debt Issuance | — | — | — | — | — | $0 | $158.9m | ($347.6m) | $195.0m | ($110.0m) | $360.0m | |
| Repayment Of Debt | — | — | — | — | — | — | ($240.0m) | ($2.9b) | ($69.7m) | ($261.0m) | ($1.4b) | |
| Payments for Repurchase of Common Stock | $13.7m | — | $0 | $13.0m | $20.8m | $15.1m | $0 | $0 | — | $44.3m | — | |
| Payments of Ordinary Dividends, Common Stock | $15.8m | $26.2m | $41.6m | $53.0m | $58.9m | $66.9m | $86.9m | $105.1m | $112.3m | $118.5m | ($122.9m) | |
| Common Stock Dividend Paid | — | — | — | — | — | — | ($86.9m) | ($105.1m) | ($112.3m) | ($118.5m) | ($121.4m) | |
| Common Stock Payments | — | — | — | — | — | — | $0 | $0 | $0 | ($44.3m) | ($67.4m) | |
| Issuance Of Capital Stock | — | — | — | — | — | $0 | $0 | — | — | — | — | |
| Net Common Stock Issuance | — | — | — | — | — | — | $0 | $0 | $0 | ($44.3m) | ($67.4m) | |
| Repurchase Of Capital Stock | — | — | — | — | — | — | $0 | ($7.2m) | $0 | ($135.8m) | ($159.0m) | |
| Cash Dividends Paid | — | — | — | — | — | — | ($93.8m) | ($111.7m) | ($118.6m) | ($123.2m) | ($122.9m) | |
| Preferred Stock Dividend Paid | — | — | — | — | — | — | ($6.9m) | ($6.6m) | ($6.3m) | ($4.7m) | ($1.6m) | |
| Net Other Financing Charges | — | — | — | — | — | — | ($7.0m) | ($815k) | ($13k) | ($1.2m) | ($1.1m) | |
| Net Cash Provided by (Used in) Financing Activities | — | — | $102.5m |
($129.2m)
-226.11%
|
$2.5b
+2046.67%
|
$2.2b
-14.25%
|
($258.8m)
-112.00%
|
$226.3m
+187.46%
|
$157.3m
-30.50%
|
($541.6m)
-444.28%
|
$504.0m
+193.05%
|
|
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | — | — | $13.0m | $187.9m | $1.1b | $709.9m | ($1.7b) | $357.0m | ($484.0m) | ($124.1m) | $455.1m | |
| Beginning Cash Position | — | — | — | — | — | — | $2.3b | $646.9m | $1.0b | $519.9m | $575.0m | |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | — | — | $327.3m | $515.2m | $1.6b | $2.3b | $646.9m | $1.0b | $519.9m | $395.8m | $455.1m | |
| Additional Supplementary Disclosures | ||||||||||||
| Additional Supplementary Disclosures | ||||||||||||
| Provision for Loan, Lease, and Other Losses | — | — | — | — | $80.4m | ($37.5m) | $63.9m | $89.4m | $51.0m | $48.8m | $2.6m | |
| Gain (Loss) on Sales of Loans, Net | — | — | — | $6.9m | $5.4m | $11.3m | $10.7m | $9.1m | ($21.3m) | $7.9m | — | |
| Proceeds from Stock Options Exercised | — | — | $142k | $212k | $0 | — | — | — | — | — | — | |
| Parent Company | $15.8m | $26.2m | $41.6m | $53.0m | $58.9m | $66.9m | $86.9m | $105.1m | $112.3m | $118.5m | — | |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $32.1m | $34.7m | $56.8m | $86.0m | $60.0m | $32.0m | $58.7m | $408.5m | $551.4m | $476.1m | — | |
| Income Taxes Paid, Net | $3.9m | $6.5m | $7.9m | $33.8m | $36.5m | $55.8m | $50.5m | $58.0m | $18.5m | $49.9m | — | |
| Additional Financial Items | ||||||||||||
| Derivative, Gain (Loss) on Derivative, Net | $7.4m | $2.4m | — | — | — | — | — | — | — | — | — | |
| Fair Value, Option, Changes in Fair Value, Gain (Loss) | $322k | $505k | ($133k) | $1.2m | $3.8m | ($4.2m) | ($1.2m) | $900k | $217k | ($243k) | — | |
| Goodwill | $142.0m | $220.6m | $307.1m | $327.4m | $367.8m | $452.0m | $751.2m | $919.9m | $907.1m | $925.1m | $0 | |
| Income (Loss) from Continuing Operations, Net of Tax, Attributable to Parent | $100.7m | $67.8m | — | — | — | — | — | — | — | — | — | |
| Income Tax Expense (Benefit) | $62.3m | $105.0m | $49.8m | $53.0m | $45.4m | $78.0m | $78.5m | $45.0m | $70.6m | $94.3m | — | |
| Operating Lease, Lease Income | — | — | — | $1.2m | $1.0m | $976k | — | — | — | — | — | |
| Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI on Derivatives, Net of Tax | $1.2m | $3.3m | $0 | — | — | — | — | — | — | — | — | |
| Financing Receivable, Credit Loss, Expense (Reversal) | — | — | — | — | $75.2m | ($38.0m) | — | — | — | — | — | |
| Realized Investment Gains (Losses) | — | — | — | ($1.0m) | $748k | $83k | ($3.9m) | ($53.3m) | ($3.3m) | $352k | — | |
| Cash Flow From Continuing Financing Activities | — | — | — | — | — | — | ($258.8m) | $226.3m | $157.3m | ($541.6m) | $504.0m | |
| Cash Flow From Continuing Investing Activities | — | — | — | — | — | — | ($2.0b) | ($163.3m) | ($991.0m) | $33.4m | ($1.0b) | |
| Change In Cash Supplemental As Reported | — | — | — | — | — | — | ($1.7b) | $357.0m | ($484.0m) | ($124.1m) | — | |
| Changes In Cash | — | — | — | — | — | — | ($1.7b) | $357.0m | ($484.0m) | ($124.1m) | ($119.9m) | |
| End Cash Position | — | — | — | — | — | — | $646.9m | $1.0b | $519.9m | $395.8m | $455.1m | |
| Financing Cash Flow | — | — | — | — | — | — | ($258.8m) |
$226.3m
+187.46%
|
$157.3m
-30.50%
|
($541.6m)
-444.28%
|
$504.0m
+193.05%
|
|
| Free Cash Flow | — | — | — | — | — | — | $564.6m | $221.5m | $302.7m | $356.5m | $361.2m | |
| Gain Loss On Investment Securities | — | — | — | — | — | — | $3.9m | $53.3m | $3.3m | ($352k) | ($191k) | |
| Investing Cash Flow | — | — | — | — | — | — | ($2.0b) | ($163.3m) | ($991.0m) | $33.4m | ($1.0b) | |
| Net Business Purchase And Sale | — | — | — | — | — | — | $35.2m | $114.0m | $8.6m | $41.2m | $0 | |
| Net Investment Purchase And Sale | — | — | — | — | — | — | ($800.7m) | $780.5m | ($1.1b) | $935.0m | $65.6m | |
| Net PPE Purchase And Sale | — | — | — | — | — | — | ($33.0m) | ($72.5m) | ($47.0m) | ($27.6m) | ($27.3m) | |
| Net Preferred Stock Issuance | — | — | — | — | — | $0 | $0 | ($7.2m) | $0 | ($91.5m) | ($91.5m) | |
| Operating Gains Losses | — | — | — | — | — | — | ($6.9m) | $44.2m | $22.3m | ($7.5m) | ($6.8m) | |
| Preferred Stock Payments | — | — | — | — | — | — | $0 | ($7.2m) | $0 | ($91.5m) | ($91.5m) | |
| Purchase Of Business | — | — | — | — | — | — | $0 | ($93.6m) | $0 | $0 | $0 | |
| Purchase Of Investment | — | — | — | — | — | — | ($2.1b) | ($1.0b) | ($2.1b) | ($526.8m) | ($1.2b) | |
| Purchase Of PPE | $17.4m | $22.2m | $17.6m | $20.9m | $18.5m | $26.5m | ($42.7m) | ($72.5m) | ($47.0m) | ($27.6m) | ($27.3m) | |
| Sale Of Business | — | — | — | — | — | — | $35.2m | $207.6m | $8.6m | $41.2m | $41.2m | |
| Sale Of Investment | — | — | — | — | — | — | $1.3b | $1.8b | $1.0b | $1.5b | $1.3b | |
| Sale Of PPE | — | — | — | — | — | $4.2m | $9.7m | $4.7m | $1.2m | — | $1.2m | |
| Stock Based Compensation | — | — | — | — | — | — | $8.7m | $8.9m | $10.8m | $11.4m | $13.3m |
Values abbreviated: b = billions, m = millions, k = thousands. Per share data in USD.