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United Bankshares Inc
NASDAQ:UBSI

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United Bankshares Inc
NASDAQ:UBSI
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Price: 43.605 USD 1.27% Market Closed
Market Cap: $6.1B
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Cash Flow Statement

Operating Cash Flow
+
3Y
-27%
5Y
+3 061%
10Y
+179%
Investing Cash Flow
+
3Y
+83%
5Y
-322%
10Y
-468%
Financing Cash Flow
+
3Y
-
5Y
-21%
10Y
+90%

Cash Flow Statement
United Bankshares Inc

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Cash Flow Statement
Currency: USD
Dec-2001 Mar-2002 Jun-2002 Sep-2002 Dec-2002 Mar-2003 Jun-2003 Sep-2003 Dec-2003 Mar-2004 Jun-2004 Sep-2004 Dec-2004 Mar-2005 Jun-2005 Sep-2005 Dec-2005 Mar-2006 Jun-2006 Sep-2006 Dec-2006 Mar-2007 Jun-2007 Sep-2007 Dec-2007 Mar-2008 Jun-2008 Sep-2008 Dec-2008 Mar-2009 Jun-2009 Sep-2009 Dec-2009 Mar-2010 Jun-2010 Sep-2010 Dec-2010 Mar-2011 Jun-2011 Sep-2011 Dec-2011 Mar-2012 Jun-2012 Sep-2012 Dec-2012 Mar-2013 Jun-2013 Sep-2013 Dec-2013 Mar-2014 Jun-2014 Sep-2014 Dec-2014 Mar-2015 Jun-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025
Operating Cash Flow
Net Income
80
0
0
0
78
0
0
0
64
0
0
0
83
0
0
0
100
0
0
0
89
0
0
0
91
0
0
0
87
0
0
0
67
0
0
0
72
0
0
0
76
0
0
0
83
0
0
0
86
0
0
0
130
0
0
0
138
0
0
0
147
0
0
0
151
0
0
0
256
0
0
0
260
0
0
0
289
0
0
0
368
0
0
0
380
0
0
0
366
0
0
0
373
0
0
0
Depreciation & Amortization
9
0
0
0
6
0
0
0
18
0
0
0
14
0
0
0
13
0
0
0
10
0
0
0
8
0
0
0
7
0
0
0
7
0
0
0
7
0
0
0
7
0
0
0
10
0
0
0
12
0
0
0
2
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
10
0
0
0
9
0
0
0
14
0
0
0
17
0
0
0
18
0
0
0
17
0
0
0
16
0
0
0
Change in Deffered Taxes
(3)
0
0
0
5
0
0
0
(2)
0
0
0
7
0
0
0
(1)
0
0
0
10
0
0
0
2
0
0
0
(0)
0
0
0
(7)
0
0
0
7
0
0
0
11
0
0
0
0
0
0
0
3
0
0
0
10
0
0
0
2
0
0
0
7
0
0
0
61
0
0
0
9
0
0
0
14
0
0
0
(0)
0
0
0
3
0
0
0
7
0
0
0
(3)
0
0
0
(3)
0
0
0
Stock-Based Compensation
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
1
1
1
0
0
1
1
1
1
1
1
1
1
2
2
2
2
2
2
2
2
2
2
2
2
2
3
2
3
2
2
3
3
3
3
4
4
4
4
4
4
4
5
5
5
5
3
6
6
7
10
8
8
9
10
10
11
11
10
12
13
13
15
12
12
12
12
Other Non-Cash Items
(1)
110
15
(166)
2
82
66
269
409
394
400
523
(23)
73
132
51
0
119
115
86
(22)
86
80
103
6
76
86
98
(1)
106
88
80
(5)
68
94
74
(5)
99
92
109
3
115
125
129
1
141
141
147
0
134
127
135
(4)
171
168
178
4
177
166
176
5
180
143
170
(23)
347
317
348
(36)
229
227
166
(14)
0
0
0
(30)
0
0
0
14
0
0
0
16
0
0
0
18
0
0
0
2
0
0
0
Cash Taxes Paid
32
0
0
0
38
0
0
0
39
0
0
0
28
0
0
0
48
0
0
0
28
0
0
0
49
0
0
0
34
0
0
0
22
0
0
0
23
0
0
0
35
0
0
0
27
0
0
0
49
0
0
0
60
0
0
0
52
0
0
0
62
0
0
0
73
0
0
0
55
0
0
0
57
0
0
0
65
0
0
0
101
0
0
0
94
0
0
0
106
0
0
0
92
0
0
0
Cash Interest Paid
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
9
0
0
0
42
0
0
0
40
0
0
0
45
0
0
0
73
0
0
0
125
0
0
0
183
0
0
0
115
0
0
0
55
0
0
0
98
0
0
0
468
0
0
0
591
0
0
0
Change in Working Capital
(141)
0
0
0
21
0
0
0
6
0
0
0
(9)
0
0
0
0
0
0
0
3
0
0
0
(25)
0
0
0
22
0
0
0
(9)
0
0
0
20
0
0
0
22
0
0
0
36
0
0
0
42
0
0
0
15
0
0
0
30
0
0
0
12
0
0
0
65
0
0
0
54
0
0
0
(117)
22
72
(45)
(132)
200
420
739
208
813
748
680
340
595
454
410
37
441
438
472
58
441
469
496
Cash from Operating Activities
(57)
N/A
110
N/A
15
-86%
(166)
N/A
111
N/A
82
-26%
66
-19%
269
+306%
496
+84%
394
-20%
400
+2%
523
+31%
72
-86%
73
+1%
132
+82%
51
-62%
113
+122%
119
+5%
115
-3%
86
-25%
89
+4%
86
-3%
80
-7%
103
+28%
82
-21%
76
-7%
86
+13%
98
+14%
114
+16%
106
-7%
88
-17%
80
-9%
54
-33%
68
+26%
94
+38%
74
-21%
101
+36%
99
-1%
92
-7%
109
+18%
119
+9%
115
-3%
125
+8%
129
+3%
129
+0%
141
+9%
141
+0%
147
+4%
142
-3%
134
-6%
127
-5%
135
+6%
153
+13%
171
+12%
168
-2%
178
+6%
175
-2%
177
+1%
166
-6%
176
+6%
171
-3%
180
+5%
143
-20%
170
+19%
254
+49%
347
+37%
317
-9%
348
+10%
294
-15%
229
-22%
227
-1%
166
-27%
152
-9%
80
-47%
192
+139%
16
-92%
140
+794%
200
+42%
420
+111%
739
+76%
610
-18%
813
+33%
748
-8%
680
-9%
761
+12%
595
-22%
454
-24%
410
-10%
435
+6%
441
+1%
438
-1%
472
+8%
445
-6%
441
-1%
469
+6%
496
+6%
Investing Cash Flow
Capital Expenditures
(4)
(4)
(4)
(5)
(5)
(6)
(5)
(2)
(1)
(1)
(1)
(2)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(4)
(3)
(3)
(3)
(3)
(3)
(3)
(2)
(2)
(2)
(3)
(4)
(5)
(5)
(4)
(4)
(3)
(3)
(5)
(5)
(6)
(8)
(8)
(8)
(7)
(5)
(5)
(4)
(4)
(6)
(7)
(9)
(9)
(9)
(9)
(7)
(7)
(5)
(5)
(6)
(6)
(7)
(8)
(8)
(14)
(14)
(14)
(14)
(8)
(6)
(7)
(8)
(8)
(11)
(11)
(14)
(19)
(19)
(20)
(19)
(16)
(15)
(16)
(15)
(16)
(17)
(17)
(18)
(14)
(12)
(13)
(13)
(13)
(12)
(11)
(12)
(15)
Other Items
(112)
(121)
44
116
137
155
196
73
(362)
(426)
(480)
(609)
(448)
(230)
(370)
(266)
(259)
(390)
(209)
(7)
68
178
110
(118)
(360)
(461)
(479)
(429)
(201)
(109)
130
336
550
631
605
630
635
474
373
264
166
211
130
(83)
(203)
(249)
(366)
(280)
(367)
(320)
(160)
(250)
(204)
(181)
(187)
(83)
(180)
(251)
(329)
(283)
38
(10)
297
526
281
125
(617)
(702)
(867)
(855)
(324)
(559)
(372)
(318)
(350)
(103)
157
241
607
428
31
(1 233)
(2 341)
(3 037)
(3 431)
(2 036)
(995)
(327)
51
(42)
(85)
168
584
566
90
(496)
Cash from Investing Activities
(116)
N/A
(125)
-8%
40
N/A
111
+177%
132
+19%
150
+14%
191
+27%
70
-63%
(362)
N/A
(427)
-18%
(480)
-13%
(610)
-27%
(451)
+26%
(233)
+48%
(372)
-60%
(268)
+28%
(262)
+2%
(393)
-50%
(212)
+46%
(11)
+95%
65
N/A
175
+170%
107
-39%
(121)
N/A
(363)
-200%
(463)
-28%
(481)
-4%
(431)
+10%
(204)
+53%
(113)
+45%
125
N/A
331
+164%
545
+65%
627
+15%
601
-4%
627
+4%
632
+1%
470
-26%
367
-22%
258
-30%
158
-39%
203
+28%
122
-40%
(90)
N/A
(208)
-130%
(254)
-22%
(370)
-46%
(284)
+23%
(373)
-31%
(327)
+12%
(169)
+48%
(260)
-54%
(213)
+18%
(190)
+11%
(194)
-2%
(90)
+54%
(185)
-106%
(255)
-38%
(334)
-31%
(289)
+14%
31
N/A
(18)
N/A
289
N/A
512
+77%
267
-48%
112
-58%
(631)
N/A
(710)
-13%
(873)
-23%
(862)
+1%
(332)
+61%
(568)
-71%
(383)
+32%
(330)
+14%
(363)
-10%
(121)
+67%
138
N/A
221
+61%
589
+166%
412
-30%
16
-96%
(1 249)
N/A
(2 356)
-89%
(3 052)
-30%
(3 448)
-13%
(2 053)
+40%
(1 013)
+51%
(341)
+66%
39
N/A
(55)
N/A
(97)
-78%
156
N/A
571
+266%
555
-3%
78
-86%
(511)
N/A
Financing Cash Flow
Net Issuance of Common Stock
(24)
(27)
(28)
(32)
(33)
(34)
(34)
(34)
(34)
(34)
(33)
(33)
(34)
(34)
(36)
(37)
(38)
(38)
(41)
(41)
(40)
(42)
(40)
51
(22)
71
82
2
2
2
1
1
(1)
0
2
2
3
2
1
1
1
0
0
0
0
0
1
2
2
6
8
8
10
9
8
9
8
6
5
6
213
213
214
212
5
4
(33)
(49)
(99)
(111)
(81)
(83)
(34)
(23)
(18)
(1)
(20)
(28)
(27)
(27)
(6)
(19)
(72)
(71)
(69)
(48)
4
3
0
(0)
(0)
1
4
(15)
(48)
(75)
Net Issuance of Debt
9
(21)
(91)
(46)
(279)
(224)
(174)
(119)
429
429
336
218
76
176
143
206
17
(134)
(59)
(59)
(55)
(4)
(232)
97
182
89
268
153
79
89
139
(75)
(80)
(155)
(155)
(155)
(385)
(360)
(360)
(360)
(60)
(10)
(65)
(71)
(61)
(61)
(6)
249
291
395
570
396
325
95
(80)
(195)
(90)
56
106
146
69
39
19
(31)
(30)
(39)
431
6
186
545
(10)
390
340
250
(523)
(1 157)
(1 347)
(1 647)
(819)
(110)
(98)
(48)
(68)
432
1 380
1 970
1 390
90
(410)
(1 000)
(400)
400
0
0
0
(21)
Cash Paid for Dividends
(37)
(38)
(39)
(39)
(40)
(40)
(41)
(41)
(42)
(42)
(42)
(43)
(44)
(44)
(45)
(45)
(44)
(45)
(45)
(45)
(45)
(45)
(45)
(46)
(46)
(47)
(49)
(50)
(50)
(50)
(50)
(50)
(50)
(51)
(51)
(52)
(52)
(52)
(52)
(52)
(54)
(57)
(59)
(62)
(62)
(62)
(62)
(62)
(62)
(63)
(69)
(76)
(83)
(89)
(89)
(89)
(89)
(90)
(91)
(93)
(96)
(99)
(103)
(112)
(121)
(132)
(141)
(142)
(142)
(142)
(141)
(140)
(139)
(140)
(141)
(152)
(163)
(172)
(182)
(181)
(181)
(183)
(187)
(190)
(193)
(195)
(194)
(195)
(195)
(196)
(198)
(199)
(201)
(201)
(204)
(207)
Other
239
142
141
267
126
160
10
(93)
(407)
(426)
(133)
(152)
280
52
163
150
269
512
243
22
38
(144)
139
(52)
140
284
102
248
42
(80)
(328)
68
(231)
(216)
(241)
(361)
(286)
(84)
10
1
12
8
43
(139)
(2)
(191)
2
(145)
(15)
72
(131)
46
145
92
389
603
285
344
332
165
189
447
(254)
(123)
(142)
(820)
(260)
55
(11)
374
497
(44)
(118)
327
1 662
2 096
2 623
3 052
1 633
1 545
1 209
526
(84)
(477)
(1 013)
(1 154)
(607)
(139)
553
624
424
(104)
(127)
98
161
927
Cash from Financing Activities
186
N/A
56
-70%
(17)
N/A
151
N/A
(225)
N/A
(139)
+38%
(240)
-73%
(287)
-19%
(54)
+81%
(73)
-36%
127
N/A
(10)
N/A
278
N/A
150
-46%
227
+51%
274
+21%
204
-26%
295
+45%
99
-67%
(123)
N/A
(103)
+16%
(236)
-129%
(179)
+24%
50
N/A
253
+405%
396
+56%
403
+2%
353
-12%
73
-79%
(39)
N/A
(238)
-507%
(57)
+76%
(363)
-532%
(421)
-16%
(446)
-6%
(566)
-27%
(721)
-27%
(495)
+31%
(402)
+19%
(411)
-2%
(102)
+75%
(59)
+42%
(82)
-38%
(271)
-231%
(125)
+54%
(314)
-151%
(65)
+79%
43
N/A
216
+404%
410
+90%
378
-8%
374
-1%
397
+6%
107
-73%
228
+113%
329
+44%
115
-65%
316
+175%
353
+12%
223
-37%
376
+68%
600
+60%
(123)
N/A
(53)
+57%
(289)
-441%
(987)
-242%
(4)
+100%
(130)
-3 611%
(67)
+49%
667
N/A
265
-60%
123
-54%
49
-61%
414
+753%
980
+137%
786
-20%
1 094
+39%
1 206
+10%
606
-50%
1 226
+103%
924
-25%
276
-70%
(410)
N/A
(305)
+26%
105
N/A
573
+444%
593
+3%
(242)
N/A
(52)
+79%
(573)
-1 003%
(174)
+70%
97
N/A
(324)
N/A
(119)
+63%
(91)
+23%
624
N/A
Change in Cash
Net Change in Cash
13
N/A
41
+219%
39
-5%
95
+146%
18
-81%
93
+424%
17
-82%
53
+216%
80
+50%
(105)
N/A
47
N/A
(97)
N/A
(101)
-4%
(10)
+90%
(13)
-36%
56
N/A
55
-3%
20
-63%
1
-94%
(47)
N/A
51
N/A
25
-50%
8
-70%
32
+318%
(28)
N/A
9
N/A
8
-7%
20
+145%
(17)
N/A
(46)
-168%
(25)
+45%
353
N/A
236
-33%
273
+16%
248
-9%
135
-46%
12
-91%
74
+541%
58
-22%
(44)
N/A
175
N/A
259
+48%
165
-36%
(232)
N/A
(204)
+12%
(427)
-109%
(294)
+31%
(94)
+68%
(15)
+84%
217
N/A
336
+55%
249
-26%
337
+35%
88
-74%
202
+129%
417
+107%
104
-75%
237
+128%
184
-22%
110
-40%
577
+424%
763
+32%
310
-59%
629
+103%
232
-63%
(528)
N/A
(318)
+40%
(492)
-55%
(646)
-31%
33
N/A
161
+381%
(279)
N/A
(183)
+34%
164
N/A
809
+393%
681
-16%
1 372
+102%
1 626
+19%
1 615
-1%
2 377
+47%
1 549
-35%
(160)
N/A
(2 019)
-1 161%
(2 677)
-33%
(2 582)
+4%
(884)
+66%
34
N/A
(172)
N/A
422
N/A
(186)
N/A
167
N/A
725
+335%
693
-4%
878
+27%
456
-48%
610
+34%

See Also

Summary
UBSI intrinsic value, competitors valuation, and company profile.
DCF Valuation
UBSI stock valuation using Discount Cash Flow valuation method.
Relative Valuation
UBSI stock valuation using valuation multiples.
Wall Street Estimates
UBSI price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
UBSI stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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