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 how efficiently does United Bankshares Inc generate cash to assess how effectively this company generates cash.
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 United Bankshares Inc (UBSI) reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
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 UBSI market cap.
| 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 | — |