United Bankshares, Inc. (UBSI)
NASDAQ: UBSI · Real-Time Price · USD
48.45
+0.09 (0.19%)
Jul 31, 2026, 4:00 PM EDT - Market closed
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 | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 | - | -13.05 | 10.4 | 23.11 | 23.67 | 7.91 |
Provision for Credit Losses | - | 53.87 | 25.15 | 31.15 | 18.82 | -23.97 |
Stock-Based Compensation | - | 13.09 | 12.13 | 12.46 | 9.88 | 8.02 |
Net Change in Loans Held-for-Sale | - | 22.65 | 27.96 | 26.5 | 337.11 | 375.63 |
Other Adjustments | - | -5.51 | -16.84 | -22.93 | -36.17 | -158.03 |
Changes in Accrued Interest and Accounts Receivable | - | -6.82 | 9.01 | -16.53 | -30.37 | 2.56 |
Changes in Accrued Expenses | - | -17.46 | 2.59 | 18.78 | 3.87 | -12.96 |
Changes in Other Operating Activities | - | -12.46 | 2.06 | -3.62 | 57.38 | 42.7 |
Operating Cash Flow | 539.78 | 498.91 | 445.45 | 435.24 | 760.82 | 609.54 |
Operating Cash Flow Growth | 22.38% | 12.00% | 2.35% | -42.79% | 24.82% | 334.00% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 Change in Loans Held-for-Investment | -1,017 | -1,041 | -318.05 | -800.97 | -2,367 | 882.15 |
Net Change in Securities and Investments | -154.47 | 74.4 | 882.85 | 819.87 | -1,087 | -813.94 |
Cash Acquisitions | - | 77.48 | 0 | 0 | - | 39.42 |
Capital Expenditures | -18.66 | -17.71 | -12.13 | -11.69 | -16.86 | -15.38 |
Sale of Property, Plant & Equipment | 2.5 | 2 | 2.46 | 5.78 | 11.47 | 7.29 |
Proceeds from Sale of Intangible Assets | - | 0 | 12.49 | 23.45 | 0 | 0 |
Other Investing Activities | 3.24 | 5.34 | 3.86 | 2.56 | 11.95 | -83.89 |
Investing Cash Flow | -1,185 | -899.31 | 571.49 | 38.99 | -3,448 | 15.65 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 Change in Deposits | 91.49 | 993.74 | 1,143 | 517.27 | -1,044 | 1,249 |
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements | -9.84 | 22.48 | -20.01 | 35.4 | 91.85 | -40.11 |
Long-Term Debt Issued | - | 0 | 250 | 1,500 | 1,900 | 500 |
Long-Term Debt Repaid | - | -30.58 | -1,500 | -1,910 | -520 | -597.79 |
Net Long-Term Debt Issued (Repaid) | - | -30.58 | -1,250 | -410.25 | 1,380 | -97.79 |
Issuance of Common Stock | 2.56 | 0.75 | 5.27 | 1.75 | 10.3 | 5.21 |
Repurchase of Common Stock | -176.9 | -126.99 | -1.04 | -1.38 | -79.46 | -11.21 |
Net Common Stock Issued (Repurchased) | -174.34 | -126.24 | 4.23 | 0.37 | -69.17 | -6.01 |
Common Dividends Paid | -211.91 | -209 | -200.73 | -194.73 | -193.04 | -181.28 |
Financing Cash Flow | 339.82 | 650.41 | -323.64 | -51.94 | 105.32 | 923.91 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 | -305.15 | 250.01 | 693.3 | 422.29 | -2,582 | 1,549 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 | 521.12 | 481.19 | 433.33 | 423.55 | 743.96 | 594.16 |
Free Cash Flow Growth | 21.24% | 11.05% | 2.31% | -43.07% | 25.21% | 389.33% |
FCF Margin | 42.39% | 40.66% | 42.92% | 41.36% | 72.17% | 56.87% |
Free Cash Flow Per Share | 3.69 | 3.39 | 3.20 | 3.14 | 5.51 | 4.59 |