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 United Bankshares Inc cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see UBSI cash flow metrics.
Annual Cash Flow Quality Index for United Bankshares Inc (1989–2025)
Year-by-year earnings quality comparison for 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 | — |