United Bankshares Inc (UBSI) — Free Cash Flow Generation Index
United Bankshares Inc (UBSI) has a Free Cash Flow Generation Index of 0.91x as of December 2025. Free cash flow of $126.96 Million represents 1% of operating cash flow ($138.92 Million). See United Bankshares Inc (UBSI) liquidity to equity ratio to evaluate short-term liquidity relative to the company's equity base.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
United Bankshares Inc Free Cash Flow Generation Index (1989–2025)
Historical FCF Generation Index trend for United Bankshares Inc across 35 annual periods. Explore UBSI operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
Annual Free Cash Flow Generation for United Bankshares Inc (1989–2025)
Year-by-year Free Cash Flow Generation Index for United Bankshares Inc. For the full company profile including market capitalisation, see UBSI stock market capitalisation.
| Year | FCG Index | Free Cash Flow (USD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.96x | $481.19 Million | $498.91 Million | $17.71 Million | ▼ -0.9% |
| 2024 | 0.97x | $433.33 Million | $445.45 Million | $12.13 Million | ▼ 0.0% |
| 2023 | 0.97x | $423.55 Million | $435.24 Million | $11.69 Million | ▼ -0.5% |
| 2022 | 0.98x | $743.96 Million | $760.82 Million | $16.86 Million | ▲ +0.3% |
| 2021 | 0.97x | $594.16 Million | $609.54 Million | $15.38 Million | ▲ +12.7% |
| 2020 | 0.86x | $121.42 Million | $140.45 Million | $19.02 Million | ▼ -6.5% |
| 2019 | 0.92x | $136.61 Million | $147.69 Million | $11.08 Million | ▼ -5.2% |
| 2018 | 0.98x | $286.76 Million | $294.04 Million | $5.78 Million | ▲ +3.4% |
| 2017 | 0.94x | $239.57 Million | $253.93 Million | $14.36 Million | ▼ -1.5% |
| 2016 | 0.96x | $163.46 Million | $170.73 Million | $7.27 Million | ▼ -1.3% |
| 2015 | 0.97x | $169.64 Million | $174.90 Million | $5.26 Million | ▲ +3.0% |
| 2014 | 0.94x | $143.69 Million | $152.57 Million | $8.88 Million | ▼ -1.7% |
| 2013 | 0.96x | $136.20 Million | $142.20 Million | $6.00 Million | ▼ -0.2% |
| 2012 | 0.96x | $124.23 Million | $129.44 Million | $5.21 Million | ▲ +2.9% |
| 2011 | 0.93x | $110.57 Million | $118.57 Million | $8.02 Million | ▼ -3.6% |
| 2010 | 0.97x | $97.56 Million | $100.82 Million | $3.27 Million | ▲ +6.6% |
| 2009 | 0.91x | $48.71 Million | $53.66 Million | $4.95 Million | ▼ -7.2% |
| 2008 | 0.98x | $111.51 Million | $113.94 Million | $2.43 Million | ▲ +1.7% |
| 2007 | 0.96x | $78.41 Million | $81.45 Million | $3.05 Million | ▼ -0.3% |
| 2006 | 0.97x | $86.28 Million | $89.40 Million | $3.12 Million | ▼ -0.8% |
| 2005 | 0.97x | $109.83 Million | $112.88 Million | $3.05 Million | ▲ +1.5% |
| 2004 | 0.96x | $69.15 Million | $72.15 Million | $3.00 Million | ▼ -3.4% |
| 2003 | 0.99x | $87.44 Million | $88.13 Million | $694.00K | ▲ +4.2% |
| 2002 | 0.95x | $105.86 Million | $111.20 Million | $5.34 Million | ▼ -4.8% |
| 2000 | 1.00x | $743.00K | $743.00K | $0.00 | ▲ +0.0% |
| 1999 | 1.00x | $226.40 Million | $226.40 Million | $0.00 | ▲ +18.8% |
| 1997 | 0.84x | $26.10 Million | $31.00 Million | $4.90 Million | ▼ -2.0% |
| 1996 | 0.86x | $26.90 Million | $31.30 Million | $4.40 Million | ▼ -9.8% |
| 1995 | 0.95x | $34.00 Million | $35.70 Million | $1.70 Million | ▲ +1.4% |
| 1994 | 0.94x | $32.40 Million | $34.50 Million | $2.10 Million | ▼ -0.9% |
| 1993 | 0.95x | $29.10 Million | $30.70 Million | $1.60 Million | ▼ -1.3% |
| 1992 | 0.96x | $19.30 Million | $20.10 Million | $800.00K | ▲ +4.4% |
| 1991 | 0.92x | $18.30 Million | $19.90 Million | $1.60 Million | ▼ -1.4% |
| 1990 | 0.93x | $16.50 Million | $17.70 Million | $1.20 Million | ▲ +5.1% |
| 1989 | 0.89x | $9.40 Million | $10.60 Million | $1.20 Million | — |