United Bankshares Inc Cash Flow Quality Index
United Bankshares Inc cash flow quality index. United Bankshares Inc (UBSI) has a Cash Flow Quality Index of 0.80x as of June 2026. Operating cash flow of $105.16 Million is below net income of $131.38 Million, suggesting accrual-heavy earnings not yet converted to cash. See UBSI free cash flow debt coverage to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of United Bankshares Inc (1989–2025)
Cash flow quality index of United Bankshares Inc from 1989 to 2025. Historical Cash Flow Quality Index for United Bankshares Inc across 37 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore United Bankshares Inc (UBSI) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
United Bankshares Inc Cash Flow Quality Index by Year (1989–2025)
United Bankshares Inc cash flow quality index by year from 1989 to 2025. Year-by-year earnings quality comparison for United Bankshares Inc. For the full cash flow conversion analysis, see United Bankshares Inc cash conversion from operations.
| 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 | — |