United Bankshares Inc (UBSI) — Cash Flow Quality Index
United Bankshares Inc (UBSI) has a Cash Flow Quality Index of 1.08x as of December 2025. Operating cash flow of $138.92 Million exceeds net income of $128.54 Million, indicating high earnings quality where cash backs reported profits. Explore UBSI long-term investment intensity to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
United Bankshares Inc Cash Flow Quality Index (1989–2025)
Historical Cash Flow Quality Index for United Bankshares Inc across 37 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check UBSI tangible net worth ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for United Bankshares Inc (1989–2025)
Year-by-year earnings quality comparison for United Bankshares Inc. For live market cap and the full company financial profile, see market value of United Bankshares Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.07x | $498.91 Million | $464.60 Million | ▼ -10.1% |
| 2024 | 1.19x | $445.45 Million | $373.00 Million | ▲ +0.5% |
| 2023 | 1.19x | $435.24 Million | $366.31 Million | ▼ -40.7% |
| 2022 | 2.00x | $760.82 Million | $379.63 Million | ▲ +20.9% |
| 2021 | 1.66x | $609.54 Million | $367.74 Million | ▲ +241.1% |
| 2020 | 0.49x | $140.45 Million | $289.02 Million | ▼ -14.4% |
| 2019 | 0.57x | $147.69 Million | $260.10 Million | ▼ -50.5% |
| 2018 | 1.15x | $294.04 Million | $256.34 Million | ▼ -32.0% |
| 2017 | 1.69x | $253.93 Million | $150.58 Million | ▲ +45.3% |
| 2016 | 1.16x | $170.73 Million | $147.08 Million | ▼ -8.4% |
| 2015 | 1.27x | $174.90 Million | $137.96 Million | ▲ +7.9% |
| 2014 | 1.17x | $152.57 Million | $129.89 Million | ▼ -29.3% |
| 2013 | 1.66x | $142.20 Million | $85.63 Million | ▲ +6.0% |
| 2012 | 1.57x | $129.44 Million | $82.61 Million | ▼ -0.1% |
| 2011 | 1.57x | $118.57 Million | $75.61 Million | ▲ +11.9% |
| 2010 | 1.40x | $100.82 Million | $71.95 Million | ▲ +75.8% |
| 2009 | 0.80x | $53.66 Million | $67.30 Million | ▼ -39.2% |
| 2008 | 1.31x | $113.94 Million | $86.95 Million | ▲ +45.9% |
| 2007 | 0.90x | $81.45 Million | $90.67 Million | ▼ -10.3% |
| 2006 | 1.00x | $89.40 Million | $89.25 Million | ▼ -10.9% |
| 2005 | 1.12x | $112.88 Million | $100.41 Million | ▲ +29.8% |
| 2004 | 0.87x | $72.15 Million | $83.31 Million | ▼ -37.0% |
| 2003 | 1.38x | $88.13 Million | $64.08 Million | ▼ -3.3% |
| 2002 | 1.42x | $111.20 Million | $78.22 Million | ▲ +298.9% |
| 2001 | -0.71x | $-57.17 Million | $79.99 Million | ▼ -5772.8% |
| 2000 | 0.01x | $743.00K | $58.98 Million | ▼ -99.6% |
| 1999 | 3.23x | $226.40 Million | $70.20 Million | ▲ +243.5% |
| 1998 | -2.25x | $-99.80 Million | $44.40 Million | ▼ -479.2% |
| 1997 | 0.59x | $31.00 Million | $52.30 Million | ▼ -24.8% |
| 1996 | 0.79x | $31.30 Million | $39.70 Million | ▼ -37.9% |
| 1995 | 1.27x | $35.70 Million | $28.10 Million | ▼ -8.3% |
| 1994 | 1.39x | $34.50 Million | $24.90 Million | ▼ -7.9% |
| 1993 | 1.50x | $30.70 Million | $20.40 Million | ▲ +18.3% |
| 1992 | 1.27x | $20.10 Million | $15.80 Million | ▼ -16.3% |
| 1991 | 1.52x | $19.90 Million | $13.10 Million | ▼ -8.2% |
| 1990 | 1.65x | $17.70 Million | $10.70 Million | ▲ +79.5% |
| 1989 | 0.92x | $10.60 Million | $11.50 Million | — |