KPIs & Operating Metrics(New)
Balance Sheet
Cash Flow Statement
Daily Values
Growth Metrics
Income Statement
Others
Ratios
Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

United Community Banks (UCB) FCF Margin (2016 - 2025)

United Community Banks (UCB) has disclosed FCF Margin for 16 consecutive years, with 21.45% as the latest value for Q4 2025.

  • Quarterly FCF Margin fell 3538.0% to 21.45% in Q4 2025 from the year-ago period, while the trailing twelve-month figure was 33.53% through Dec 2025, up 174.0% year-over-year, with the annual reading at 33.53% for FY2025, 174.0% up from the prior year.
  • FCF Margin hit 21.45% in Q4 2025 for United Community Banks, down from 42.52% in the prior quarter.
  • In the past five years, FCF Margin ranged from a high of 107.5% in Q1 2022 to a low of 1.01% in Q3 2024.
  • Historically, FCF Margin has averaged 41.02% across 5 years, with a median of 36.25% in 2024.
  • Biggest YoY gain for FCF Margin was 101393bps in 2021; the steepest drop was -83599bps in 2021.
  • Year by year, FCF Margin stood at 39.72% in 2021, then dropped by -7bps to 36.93% in 2022, then plummeted by -91bps to 3.31% in 2023, then soared by 1617bps to 56.83% in 2024, then plummeted by -62bps to 21.45% in 2025.
  • Business Quant data shows FCF Margin for UCB at 21.45% in Q4 2025, 42.52% in Q3 2025, and 32.55% in Q2 2025.