United Bankshares, Inc. (UBSI)

United Bankshares Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	394.7	373	366.31	379.63	367.74	289.02
Depreciation & Amortization	22.52	19.66	22.62	24.1	22.82	20.32
Gain (Loss) on Sale of Assets	0.32	0.32	0.35	0.46	0.46	1.21
Gain (Loss) on Sale of Investments	23	23	22.88	12.79	10.04	6.8
Total Asset Writedown	0.22	0.22	0.95	1.12	4.6	5.19
Provision for Credit Losses	25.15	25.15	31.15	18.82	-23.97	106.56
Net Decrease (Increase) in Loans Originated / Sold - Operating	27.96	27.96	26.5	334.11	375.63	-6.88
Accrued Interest Receivable	9.01	9.01	-16.53	-30.37	2.56	1.11
Change in Other Net Operating Assets	4.65	4.65	15.17	61.25	29.75	37.66
Other Operating Activities	-34.62	-33.84	-20.87	-10.73	-27.3	-68.08
Operating Cash Flow	469.24	445.45	435.24	760.82	609.54	140.45
Operating Cash Flow Growth	7.21%	2.35%	-42.79%	24.82%	334.00%	-7.58%
Capital Expenditures	-12.44	-12.13	-11.69	-16.86	-15.38	-19.03
Sale of Property, Plant and Equipment	0.37	0.1	2.54	0.9	1.62	4.35
Cash Acquisitions	77.48	-	-	-	39.42	629.11
Investment in Securities	435.91	882.85	819.87	-1,087	-813.94	123
Purchase / Sale of Intangibles	12.49	12.49	23.45	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-445.62	-318.05	-800.97	-2,367	882.15	-619.98
Other Investing Activities	7.23	3.86	2.56	11.95	-83.89	5.73
Investing Cash Flow	77.56	571.49	38.99	-3,448	15.65	137.59
Short-Term Debt Issued	-	-	35.4	31.85	-	-
Long-Term Debt Issued	-	250	1,500	1,900	500	500
Total Debt Issued	-957.42	250	1,535	1,932	500	500
Short-Term Debt Repaid	-	-20.01	-	-	-40.21	-232.35
Long-Term Debt Repaid	-	-1,500	-1,910	-520	-597.79	-1,847
Total Debt Repaid	-45.3	-1,520	-1,910	-520	-638	-2,079
Net Debt Issued (Repaid)	-1,003	-1,270	-374.85	1,412	-138	-1,579
Issuance of Common Stock	4.78	5.27	1.75	10.3	5.21	1.24
Repurchase of Common Stock	-52.91	-1.04	-1.38	-79.46	-11.21	-21.32
Common Dividends Paid	-204.21	-200.73	-194.73	-193.04	-181.28	-162.71
Net Increase (Decrease) in Deposit Accounts	1,164	1,143	517.27	-1,044	1,249	2,856
Financing Cash Flow	-90.97	-323.64	-51.94	105.32	923.91	1,094
Net Cash Flow	455.83	693.3	422.29	-2,582	1,549	1,372
Free Cash Flow	456.8	433.33	423.55	743.96	594.16	121.42
Free Cash Flow Growth	7.48%	2.31%	-43.07%	25.21%	389.33%	-13.81%
Free Cash Flow Margin	42.65%	42.92%	41.36%	72.17%	-	12.95%
Free Cash Flow Per Share	3.29	3.20	3.14	5.51	4.59	1.01
Cash Interest Paid	590.64	590.64	468.12	98.16	54.59	115.35
Cash Income Tax Paid	91.69	91.69	106.08	93.68	101.23	65.38

Updated Jul 24, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q