UNITED COMMUNITY BANKS INC
For the period ended Sep 30, 2026. Filed Nov 4, 2026.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2026 · Filed Nov 4, 2026
UCB$37.42-0.1%Stored close · as of Nov 10, 2026
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Consolidated Statements of Cash Flows (unaudited)
UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Cash Flows (Unaudited)
| Nine Months Ended September 30, | ||
|---|---|---|
| (in thousands) | 2026 | 2025 |
| Operating activities: | ||
| Net income | $60,182 | $241,640 |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||
| Depreciation, amortization and accretion, net | 63,186 | 34,110 |
| Provision for credit losses | (8,937) | 35,144 |
| Stock-based compensation | 10,734 | 8,177 |
| Deferred income tax (benefit) expense | (9,042) | 2,120 |
| Securities losses (gains), net | 365,970 | (341) |
| Net gains from sales of other loans | (66,062) | (5,776) |
| Changes in assets and liabilities: | ||
| Trading securities | (93,760) | — |
| Mortgage loans held for sale | 4,888 | 22,732 |
| Other assets | (49,155) | 16,874 |
| Accrued expense and other liabilities | 92,879 | (36,117) |
| Net cash provided by operating activities | 370,883 | 318,563 |
| Investing activities: | ||
| Debt securities held-to-maturity: | ||
| Proceeds from maturities and calls | 83,021 | 97,734 |
| Debt securities available-for-sale: | ||
| Proceeds from sales | 2,270,423 | 417,898 |
| Proceeds from maturities and calls | 613,287 | 555,143 |
| Purchases | (3,841,586) | (292,351) |
| Net increase in loans | (1,093,442) | (709,641) |
| Proceeds from sale of Navitas | 1,993,113 | — |
| Payments for other investments | (111,875) | (29,047) |
| Proceeds from other investments | 89,832 | 7,684 |
| Purchases of premises and equipment | (26,808) | (21,820) |
| Net cash (paid) received in acquisition | (15,642) | 41,246 |
| Other, net | 8,626 | 16,734 |
| Net cash (used in) provided by investing activities | (31,051) | 83,580 |
| Financing activities: | ||
| Net increase in deposits | 410,883 | 185,069 |
| Net decrease in short-term borrowings | (85,000) | (195,000) |
| Repayment of long-term debt | (100,000) | (100,000) |
| Proceeds from FHLB advances | 3,280,000 | 126,000 |
| Repayment of FHLB advances | (3,280,000) | (126,000) |
| Redemption of preferred stock | — | (91,541) |
| Repurchase of common stock | (87,093) | (13,942) |
| Cash dividends on common stock | (91,359) | (87,677) |
| Cash dividends on preferred stock | — | (4,719) |
| Other, net | (1,412) | (775) |
| Net cash provided by (used in) financing activities | 46,019 | (308,585) |
| Net change in cash and cash equivalents | 385,851 | 93,558 |
| Cash and cash equivalents, beginning of period | 395,754 | 519,873 |
| Cash and cash equivalents, end of period | $781,605 | $613,431 |
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