UBSI - NASDAQ
United Bankshares, Inc.
$42.58
-0.42%United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States. It operates through two segments, Community Banking and Mortgage Banking. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, NOW accounts, and interest-bearing checking accounts. Its loan products include commercial loans and leases; construction and real estate loans; personal, student, credit card, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; safe deposit boxes, wire transfers, and other banking products and services; investment and security services; services to correspondent banks, including buying and selling federal funds; automated teller machine services; and internet and telephone banking services. Further, it offers community banking services, such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services. As of December 31, 2021, the company operated 250 offices in Virginia, Maryland, Washington, D.C., North Carolina, South Carolina, Georgia, Pennsylvania, West Virginia, and Ohio. United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia.
At a Glance
Live SnapshotUnited Bankshares, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
United Bankshares, Inc. Cash Flow Statement
UBSI • NASDAQ
| United Bankshares, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
464.6M | 373M | 366.3M | 379.6M | 367.7M | 289M | 260.1M | 256.3M | 150.6M | 147.1M | 138M | 129.9M | 85.6M | 82.6M | 75.6M | 71.9M | 67.3M | 87M | 90.7M | 89.2M | |
0.0 | 10.4M | 23.1M | 23.7M | 7.9M | -16.4M | -20.4M | -21.1M | -21.6M | -8.7M | 746K | 1.6M | 11.7M | 9.7M | 7.3M | 6.8M | 6.8M | 6.7M | 7.8M | 10.3M | |
0.0 | -3.4M | -2.9M | 6.9M | 3M | -174K | 14.2M | 9.4M | 60.8M | 7.3M | 1.7M | 10.1M | 3M | 337K | 10.9M | 6.6M | -6.6M | -179K | 1.7M | 9.6M | |
0.0 | 12.1M | 12.5M | 9.9M | 8M | 6M | 4.9M | 4.1M | 3.6M | 2.8M | 2.5M | 2.2M | 1.8M | 1.9M | 1.1M | 1.1M | 484K | 547K | 91K | 0.0 | |
71M | 39.6M | 37.6M | 309.9M | 190.6M | -176.7M | -105.9M | 4.7M | 40.7M | 37M | 22.3M | 14.4M | 37.2M | 9.7M | 37.8M | 9.5M | 51.4M | 33.4M | 12.5M | -18.5M | |
(0.0) | (91.7M) | (106.1M) | (93.7M) | (101.2M) | (65.4M) | (56.5M) | (55.3M) | (73.1M) | (61.9M) | (0.0) | (60.4M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
-36.7M | 13.7M | -1.4M | 30.9M | 32.3M | 38.8M | -864K | 40.7M | 19.8M | -14.7M | 9.7M | -5.6M | 2.9M | 25.1M | -14.2M | 4.9M | -65.7M | -13.5M | -31.2M | -1.2M | |
498.9M | 445.5M | 435.2M | 760.8M | 609.5M | 140.4M | 152M | 294M | 253.9M | 170.7M | 174.9M | 152.6M | 142.2M | 129.4M | 118.6M | 100.8M | 53.7M | 113.9M | 81.5M | 89.4M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-17.7M | -12.1M | -11.7M | -16.9M | -15.4M | -19M | -11.1M | -5.8M | -14.4M | -7.3M | -5.3M | -8.9M | -6M | -5.2M | -8M | -3.3M | -4.9M | -2.4M | -3M | -3.1M | |
(78.9M) | (0.0) | (0.0) | (0.0) | (39.4M) | (629.1M) | (0.0) | (0.0) | (44.5M) | (29.3M) | (0.0) | (97.3M) | (0.0) | (0.0) | (49.1M) | (0.0) | (0.0) | (0.0) | -35.8M | (0.0) | |
-2.2B | -2.2B | -288M | -1.7B | -1.6B | -735.7M | -901.9M | -975.7M | -1B | -577M | -108.4M | -506.8M | -886.1M | -1.9B | -1.4B | -1.2B | -233.2M | -626.2M | -769M | -277.6M | |
2.3B | 3.1B | 1.1B | 587.4M | 745.2M | 858.7M | 801.8M | 480.6M | 741.4M | 584.1M | 212.2M | 588.8M | 728.4M | 2B | 1.5B | 1.4B | 544M | 658.5M | 685.2M | 505.9M | |
-1B | -299.2M | -769.2M | -2.3B | 805.6M | -595.5M | -272.1M | -372.2M | 503.1M | 1.8M | -283.8M | -383.1M | -209.4M | -296.2M | 30.2M | 468.1M | 239.3M | -233.4M | -240.6M | -160.4M | |
-899.3M | (571.5M) | (39M) | -3.4B | (15.7M) | (137.6M) | -383.3M | -873M | (266.7M) | (31M) | -185.3M | -212.6M | -373.1M | -208.1M | (158.3M) | (631.9M) | (545.2M) | -203.5M | -363.2M | (64.8M) | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-126.2M | -1M | -1.4M | -79.5M | -11.2M | -21.3M | -35.7M | -100.7M | -1K | 199.9M | -1K | -2K | -93K | -12K | -18K | -11K | -1.2M | -206K | -24.9M | -40.3M | |
12.5M | -1.3B | -410.3M | 1.4B | -97.8M | -1.3B | 340M | 195M | -30.2M | 69.3M | -89.5M | 353.3M | 290.7M | -55.4M | -60.4M | -385M | -80.3M | 79M | 99.1M | -229.4M | |
-209M | -200.7M | -194.7M | -193M | -181.3M | -162.7M | -138.9M | -142.4M | -121.4M | -96.4M | -88.9M | -82.5M | -62.4M | -62.3M | -54.3M | -52.3M | -50.4M | -50.2M | -46.4M | -45.1M | |
-127M | -1M | -1.4M | -79.5M | -11.2M | -21.3M | -35.7M | -100.7M | -1K | -1K | -1K | -2K | -93K | -12K | -18K | -11K | -1.2M | -206K | -24.9M | (0.0) | |
973.2M | 1.1B | 554.4M | -1B | 1.2B | 2.6B | -116.9M | -18.7M | -137.4M | 202.6M | 293M | 125.7M | -12.7M | -7.5M | 12.4M | -283.8M | -230.7M | 43.9M | 143.2M | 211.6M | |
650.4M | -323.6M | -51.9M | 105.3M | 923.9M | 1.1B | 48.5M | -66.8M | -289M | 375.5M | 115.7M | 396.5M | 215.5M | -125.2M | -102.3M | -721.1M | -362.6M | 72.5M | 253.4M | -103.2M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
250M | 693.3M | 422.3M | -2.6B | 1.5B | 1.4B | -182.9M | -645.8M | 231.6M | 577.2M | 104.3M | 336.4M | -15.5M | -203.9M | 174.6M | 11.6M | 236.2M | -17.1M | -28.4M | 51.1M | |
2.3B | 1.6B | 1.2B | 3.8B | 2.2B | 837.5M | 1B | 1.7B | 1.4B | 857.3M | 753.1M | 416.6M | 432.1M | 636M | 461.4M | 449.8M | 213.5M | 230.7M | 259M | 208M | |
2.5B | 2.3B | 1.6B | 1.2B | 3.8B | 2.2B | 837.5M | 1B | 1.7B | 1.4B | 857.3M | 753.1M | 416.6M | 432.1M | 636M | 461.4M | 449.8M | 213.5M | 230.7M | 259M | |
481.2M | 433.3M | 423.6M | 744M | 594.2M | 121.4M | 140.9M | 286.8M | 239.6M | 163.5M | 169.6M | 143.7M | 136.2M | 124.2M | 110.6M | 97.6M | 48.7M | 111.5M | 78.4M | 86.3M |
SEC Filings
UBSI - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 18, 2026 | May 13, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 23, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 01, 2026 | May 13, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 27, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 22, 2026 | January 22, 2026 | 2026 | |
8-K 8-K 2025 N/A | November 21, 2025 | November 20, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 07, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 23, 2025 | October 23, 2025 | 2025 | |
10-Q 10-Q 2025 Q2 Q2 | August 08, 2025 | June 30, 2025 | 2025 |
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