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United Community Banks cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$160M in Q3 2026 · $404M over twelve months

Operating cash flow$171M
Capital spending−$10.7M
Free cash flow+$160M

Analysis

In Q3 2026, United Community Banks generated $171M of operating cash flow and spent $10.7M on capital projects, leaving free cash flow of $160M. That is $42.6M more than in Q3 2025 ($118M).

Over the twelve months to Sep 30, 2026, operating cash flow was $436M; the largest uses were dividends ($122M), buybacks ($117M), other investing ($33.0M); besides operations, cash came from other financing ($52.7M); the cash balance rose by $168M.

Operating cash flow was $171M against net income of −$140M. The largest differences: prepaid and other assets −$76.8M, accrued liabilities +$57.3M, deferred taxes −$27.2M.

Free cash flow

United Community Banks: free cash flow by quarterUnited Community Banks: free cash flow by quarter$143MQ4 2024$94.3MQ1 2025$84.7MQ2 2025$118MQ3 2025$59.7MQ4 2025$62.4MQ1 2026$121MQ2 2026$160MQ3 2026
Operating cash flow less capital spending.
United Community Banks: operating cash flow against capital spendingUnited Community Banks: operating cash flow against capital spendingOperating cash flowCapital spending$148M$5.5MQ4 2024$98.6M$4.3MQ1 2025$96.8M$12.1MQ2 2025$123M$5.4MQ3 2025$65.5M$5.8MQ4 2025$69.3M$6.9MQ1 2026$131M$9.2MQ2 2026$171M$10.7MQ3 2026
Latest (Q3 2026): Operating cash flow $171M, Capital spending $10.7M.

Capital allocation, year by year

United Community Banks: where the cash came from (up) and went (down), by fiscal yearUnited Community Banks: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $359MFY2021: Asset sales $4.2MFY2021: Capital spending −$26.5MFY2021: Acquisitions $103MFY2021: Buybacks −$15.1MFY2021: Dividends −$66.9M$467MFY2021FY2022: Operating cash flow $607MFY2022: Net borrowing $159MFY2022: Asset sales $9.7MFY2022: Capital spending −$42.7MFY2022: Acquisitions $35.2MFY2022: Dividends −$86.9M$811MFY2022FY2023: Operating cash flow $294MFY2023: Net borrowing −$348MFY2023: Asset sales $4.7MFY2023: Capital spending −$72.5MFY2023: Acquisitions $208MFY2023: Dividends −$105M$506MFY2023FY2024: Operating cash flow $350MFY2024: Net borrowing $195MFY2024: Asset sales $1.2MFY2024: Capital spending −$47.0MFY2024: Acquisitions $8.6MFY2024: Dividends −$112M$554MFY2024FY2025: Operating cash flow $384MFY2025: Net borrowing −$110MFY2025: Capital spending −$27.6MFY2025: Acquisitions $41.2MFY2025: Buybacks −$44.3MFY2025: Dividends −$119M$425MFY2025
Over these 5 years operating cash flow totalled $2.0B; the largest uses were dividends ($490M) and net borrowing ($458M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$782M
Debt$39.7M
Net cash$742M

United Community Banks funds itself: free cash flow was $404M over the last twelve months, and $782M of cash and investments stands against $39.7M of debt.

Where the cash came from and went

United Community Banks: sources (+) and uses (−) of cash, Q3 2026United Community Banks: sources (+) and uses (−) of cash, Q3 2026Other investing$938MNet borrowing (+) / repaid (−)−$360MCash drawn (+) / kept (−)−$327MOther financing−$316MOperating cash flow$171MBuybacks−$50.0MDividends−$30.4MAcquisitions−$15.6MCapital spending−$10.7M
United Community Banks: sources (+) and uses (−) of cash, TTM to Q3 2026United Community Banks: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$436MCash drawn (+) / kept (−)−$168MDividends−$122MBuybacks−$117MOther financing$52.7MOther investing−$33.0MCapital spending−$32.6MAcquisitions−$15.6M

From profit to cash

United Community Banks: net income to operating cash flow, Q3 2026United Community Banks: net income to operating cash flow, Q3 2026Net income−$140MDepreciation & amortization$24.2MStock-based pay$3.7MDeferred taxes−$27.2MAccrued liabilities$57.3MPrepaid and other assets−$76.8MOperating cash flow$171M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$171M−$10.7M−$15.6M−$50.0M−$30.4M−$360M−$327M$160M
Q2 2026$131M−$9.2M——−$30.4M$360M$38.0M$121M
Q1 2026$69.3M−$6.9M—−$37.1M−$30.6M−$85.0M−$97.4M$62.4M
Q4 2025$65.5M−$5.8M—−$30.3M−$30.8M$85.0M$218M$59.7M
Q3 2025$123M−$5.4M——−$29.5M—−$38.5M$118M
Q2 2025$96.8M−$12.1M—−$13.9M−$29.1M—$61.8M$84.7M
Q1 2025$98.6M−$4.3M——−$29.1M−$195M−$117M$94.3M
Q4 2024$148M−$5.5M$8.6M—−$29.0M$195M$220M$143M

United Community Banks: income statement and cash flow

United Community Banks, Q2 2026: revenue $279M (+7% year over year), operating margin 53.4%. The chart follows the revenue to costs, profit and cash.

United Community Banks: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.