United Bankshares Inc (UBSI) — Financial Flexibility Index
United Bankshares Inc (UBSI) has a Financial Flexibility Index of 0.01x as of December 2025. Free cash flow of $150.88 Million (operating CF $138.92 Million minus capex $11.96 Million) represents 0% of total liabilities ($28.16 Billion). Also explore United Bankshares Inc net asset momentum to track the company's year-over-year net asset growth rate.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
United Bankshares Inc Financial Flexibility Index (1989–2025)
Historical Financial Flexibility Index trend for United Bankshares Inc across 37 annual periods. Check UBSI strategic assets to equity ratio to assess the company's strategic physical and investment asset allocation.
Annual Financial Flexibility Index for United Bankshares Inc (1989–2025)
Year-by-year free cash flow to debt coverage for United Bankshares Inc. For the full company profile including market capitalisation, see UBSI market cap overview.
| 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 | — |