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). Read UBSI total debt and obligations for a breakdown of total debt and financial obligations.
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 United Bankshares Inc capital reinvestment ratio to see what proportion of operating cash flow is directed to capital expenditures.
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 United Bankshares Inc (UBSI) total market value.
| 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 | — |