United Bankshares, Inc. (UBSI)
NASDAQ: UBSI · Real-Time Price · USD
48.22
-0.49 (-1.01%)
At close: Oct 30, 2026, 4:00 PM EDT
48.00
-0.22 (-0.46%)
After-hours: Oct 30, 2026, 7:30 PM EDT
United Bankshares Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 464.6 | 373 | 366.31 | 379.63 | 367.74 |
Depreciation & Amortization | 26.5 | 19.66 | 22.62 | 24.1 | 22.82 |
Gain (Loss) on Sale of Assets | 0.1 | 0.32 | 0.35 | 0.46 | 0.46 |
Gain (Loss) on Sale of Investments | 4.25 | 23 | 22.88 | 12.79 | 10.04 |
Total Asset Writedown | 0.06 | 0.22 | 0.95 | 1.12 | 4.6 |
Provision for Credit Losses | 53.87 | 25.15 | 31.15 | 18.82 | -23.97 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | 22.65 | 27.96 | 26.5 | 334.11 | 375.63 |
Accrued Interest Receivable | -6.82 | 9.01 | -16.53 | -30.37 | 2.56 |
Change in Other Net Operating Assets | -29.93 | 4.65 | 15.17 | 61.25 | 29.75 |
Other Operating Activities | -39.98 | -33.84 | -20.87 | -10.73 | -27.3 |
Operating Cash Flow | 498.91 | 445.45 | 435.24 | 760.82 | 609.54 |
Operating Cash Flow Growth | 12.00% | 2.35% | -42.79% | 24.82% | 334.00% |
Investing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -17.71 | -12.13 | -11.69 | -16.86 | -15.38 |
Sale of Property, Plant and Equipment | 1.44 | 0.1 | 2.54 | 0.9 | 1.62 |
Cash Acquisitions | 77.48 | - | - | - | 39.42 |
Investment in Securities | 74.4 | 882.85 | 819.87 | -1,087 | -813.94 |
Purchase / Sale of Intangibles | - | 12.49 | 23.45 | - | - |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -1,041 | -318.05 | -800.97 | -2,367 | 882.15 |
Other Investing Activities | 5.9 | 6.22 | 5.8 | 22.52 | -78.21 |
Investing Cash Flow | -899.31 | 571.49 | 38.99 | -3,448 | 15.65 |
Financing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Short-Term Debt Issued | 22.48 | - | 35.4 | 31.85 | - |
Long-Term Debt Issued | - | 250 | 1,500 | 1,900 | 500 |
Total Debt Issued | 22.48 | 250 | 1,535 | 1,932 | 500 |
Short-Term Debt Repaid | - | -20.01 | - | - | -40.21 |
Long-Term Debt Repaid | -30.58 | -1,500 | -1,910 | -520 | -597.79 |
Total Debt Repaid | -30.58 | -1,520 | -1,910 | -520 | -638 |
Net Debt Issued (Repaid) | -8.09 | -1,270 | -374.85 | 1,412 | -138 |
Issuance of Common Stock | 0.75 | 5.27 | 1.75 | 10.3 | 5.21 |
Repurchase of Common Stock | -126.99 | -1.04 | -1.38 | -79.46 | -11.21 |
Common Dividends Paid | -209 | -200.73 | -194.73 | -193.04 | -181.28 |
Net Increase (Decrease) in Deposit Accounts | 993.74 | 1,143 | 517.27 | -1,044 | 1,249 |
Financing Cash Flow | 650.41 | -323.64 | -51.94 | 105.32 | 923.91 |
Net Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | 250.01 | 693.3 | 422.29 | -2,582 | 1,549 |
Free Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 481.19 | 433.33 | 423.55 | 743.96 | 594.16 |
Free Cash Flow Growth | 11.05% | 2.31% | -43.07% | 25.21% | 389.33% |
Free Cash Flow Margin | 40.03% | 42.92% | 41.36% | 72.17% | 56.87% |
Free Cash Flow Per Share | 3.39 | 3.20 | 3.14 | 5.51 | 4.59 |
Additional Metrics
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | 581.62 | 590.64 | 468.12 | 98.16 | 54.59 |
Cash Income Tax Paid | 114.46 | 86.22 | 105.46 | 93.68 | 101.23 |