Company / Free Cash Flow
United Community Banks, Inc. Free Cash Flow History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Free Cash Flow
$356.5M
FY2025
5-year range
$133.0M / $356.5M
FY2021-FY2025
Trend
+17.8%
vs FY2024
Sector context
#117 of 302
Financials
What the data says
At $356M, United Community Banks, Inc.'s free cash flow ranks #117 of 302 in the Financials sector. Free Cash Flow has increased for 4 consecutive years, from $133M in FY2021 to $356M in FY2025.
Based on SEC 10-K filings.
$356M in FY2025 with a 5-year CAGR of +7.1%.
Improved from $221M to $356M over the past 2 years.
Financials sector context is included.
Free Cash Flow over time
Growth rates
- 3-Year CAGR
- +36.5%
- 5-Year CAGR
- +7.1%
- 10-Year CAGR
- -
Sector benchmark
#117 of 302 in FinancialsTop 39% of 302This company $356.5M Sector average $646.4M
▼
-44.9% below sector average
Key checks
Key Insights
- United Community Banks, Inc.'s free cash flow has grown for 4 consecutive years.
- 5-year CAGR of +7.1%, indicating consistent growth.
- In FY2025, free cash flow increased 17.8% year-over-year.
- Ranks #117 out of 302 companies in the Financials sector.
Company context
Key Data Points
- Altman Z-Score 0.13 (distress zone, below 1.8 threshold)
- Strong profit margin: 32.2%
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | Free Cash FlowValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | $356.5M | +17.8% |
| FY2024 | $302.7M | +36.7% |
| FY2023 | $221.5M | +58.0% |
| FY2022 | $140.2M | +5.4% |
| FY2021 | $133.0M | -47.3% |
| FY2020 | $252.4M | +35.9% |
| FY2019 | $185.8M | +51.6% |
| FY2018 | $122.5M | +19.1% |
| FY2017 | $102.9M | +9.2% |
| FY2016 | $94.2M | -8.4% |
As of FY2025 · SEC 10-K · Updated Jun 30, 2026