United Bankshares Inc Financial Flexibility Index
United Bankshares Inc financial flexibility index. United Bankshares Inc (UBSI) has a Financial Flexibility Index of 0.00x as of June 2026. Free cash flow of $110.00 Million (operating CF $105.16 Million minus capex $4.84 Million) represents 0% of total liabilities ($28.24 Billion). See United Bankshares Inc (UBSI) FCF generation index to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of United Bankshares Inc (1989–2025)
Financial flexibility index of United Bankshares Inc from 1989 to 2025. Historical Financial Flexibility Index trend for United Bankshares Inc across 37 annual periods. Check United Bankshares Inc cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
United Bankshares Inc Financial Flexibility Index by Year (1989–2025)
United Bankshares Inc financial flexibility index by year from 1989 to 2025. Year-by-year free cash flow to debt coverage for United Bankshares Inc. For the full cash flow conversion analysis, see United Bankshares Inc (UBSI) cash conversion ratio.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.02x | $516.62 Million | $498.91 Million | $28.16 Billion | ▲ +0.3% |
| 2024 | 0.02x | $457.58 Million | $445.45 Million | $25.03 Billion | ▲ +2.9% |
| 2023 | 0.02x | $446.92 Million | $435.24 Million | $25.16 Billion | ▼ -42.9% |
| 2022 | 0.03x | $777.68 Million | $760.82 Million | $24.97 Billion | ▲ +22.6% |
| 2021 | 0.03x | $624.92 Million | $609.54 Million | $24.61 Billion | ▲ +248.5% |
| 2020 | 0.01x | $159.47 Million | $140.45 Million | $21.89 Billion | ▼ -25.2% |
| 2019 | 0.01x | $158.78 Million | $147.69 Million | $16.30 Billion | ▼ -48.0% |
| 2018 | 0.02x | $299.81 Million | $294.04 Million | $16.00 Billion | ▲ +10.5% |
| 2017 | 0.02x | $268.29 Million | $253.93 Million | $15.82 Billion | ▲ +16.9% |
| 2016 | 0.01x | $178.00 Million | $170.73 Million | $12.27 Billion | ▼ -12.5% |
| 2015 | 0.02x | $180.16 Million | $174.90 Million | $10.87 Billion | ▲ +9.6% |
| 2014 | 0.02x | $161.44 Million | $152.57 Million | $10.67 Billion | ▼ -21.5% |
| 2013 | 0.02x | $148.19 Million | $142.20 Million | $7.69 Billion | ▲ +6.3% |
| 2012 | 0.02x | $134.65 Million | $129.44 Million | $7.43 Billion | ▲ +7.2% |
| 2011 | 0.02x | $126.58 Million | $118.57 Million | $7.48 Billion | ▲ +3.4% |
| 2010 | 0.02x | $104.10 Million | $100.82 Million | $6.36 Billion | ▲ +96.6% |
| 2009 | 0.01x | $58.60 Million | $53.66 Million | $7.04 Billion | ▼ -47.3% |
| 2008 | 0.02x | $116.37 Million | $113.94 Million | $7.37 Billion | ▲ +35.2% |
| 2007 | 0.01x | $84.50 Million | $81.45 Million | $7.23 Billion | ▼ -23.2% |
| 2006 | 0.02x | $92.51 Million | $89.40 Million | $6.08 Billion | ▼ -20.1% |
| 2005 | 0.02x | $115.93 Million | $112.88 Million | $6.09 Billion | ▲ +46.9% |
| 2004 | 0.01x | $75.15 Million | $72.15 Million | $5.80 Billion | ▼ -16.0% |
| 2003 | 0.02x | $88.83 Million | $88.13 Million | $5.76 Billion | ▼ -30.6% |
| 2002 | 0.02x | $116.54 Million | $111.20 Million | $5.25 Billion | ▲ +312.0% |
| 2001 | -0.01x | $-53.66 Million | $-57.17 Million | $5.13 Billion | ▼ -6404.3% |
| 2000 | 0.00x | $743.00K | $743.00K | $4.47 Billion | ▼ -99.7% |
| 1999 | 0.05x | $226.40 Million | $226.40 Million | $4.67 Billion | ▲ +316.0% |
| 1998 | -0.02x | $-93.00 Million | $-99.80 Million | $4.15 Billion | ▼ -331.1% |
| 1997 | 0.01x | $35.90 Million | $31.00 Million | $3.70 Billion | ▼ -43.8% |
| 1996 | 0.02x | $35.70 Million | $31.30 Million | $2.07 Billion | ▼ -25.5% |
| 1995 | 0.02x | $37.40 Million | $35.70 Million | $1.61 Billion | ▲ +1.8% |
| 1994 | 0.02x | $36.60 Million | $34.50 Million | $1.61 Billion | ▲ +9.2% |
| 1993 | 0.02x | $32.30 Million | $30.70 Million | $1.55 Billion | ▲ +39.4% |
| 1992 | 0.01x | $20.90 Million | $20.10 Million | $1.40 Billion | ▼ -25.1% |
| 1991 | 0.02x | $21.50 Million | $19.90 Million | $1.08 Billion | ▲ +14.9% |
| 1990 | 0.02x | $18.90 Million | $17.70 Million | $1.09 Billion | ▲ +47.9% |
| 1989 | 0.01x | $11.80 Million | $10.60 Million | $1.00 Billion | — |