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United Bankshares UBSI Operating Cash Flow

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Other financials

Income statement

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Revenue$323.8M+5.8%
Net income$131.4M+8.8%
EPS (diluted)$0.95+11.8%

Balance sheet

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Cash & equivalents$2.1B-10.1%
Total debt$549.4M-1.7%
Total equity$5.5B+2.7%
Total assets$33.8B+3.0%

Cash flow

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CapEx$7.2M+71.7%
Free cash flow$98.0M+15.0%

Valuation

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Market cap$6.72B+31.6%
Enterprise value$5.19B+55.2%
P/E13.1×+0.1×
P/S5.2×+0.7×

Profitability

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Net margin40.2%+4.9pp
FCF margin41.6%+0.8pp

Returns & leverage

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Return on equity9.5%+1.8pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by United Bankshares in its filing.

Tagged under the XBRL concept us-gaap:NetCashProvidedByUsedInOperatingActivities.

The source filing: United Bankshares’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 11:11 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001193125-26-339565
Line itemSix Months Ended June 30 / 2026Six Months Ended June 30 / 2025
NET CASH PROVIDED BY OPERATING ACTIVITIES$266,016$209,346
INVESTING ACTIVITIES
Proceeds from sales of securities available for sale71,706192
Proceeds from maturities and calls of securities available for sale725,867917,870
Purchases of securities available for sale(1,070,693)(873,974)
Proceeds from sales of equity securities31,928528
Purchases of equity securities(18,353)(520)
Proceeds from sales and redemptions of other investment securities8,7992,461

Item 1. FINANCIAL STATEMENTS (UNAUDITED)

FAQ

What is United Bankshares's operating cash flow?
United Bankshares (UBSI) reported operating cash flow of $105.16M in Q2 2026.
How has United Bankshares's operating cash flow changed year-over-year?
United Bankshares's operating cash flow increased by 17.7% year-over-year, from $89.36M to $105.16M.
What is the long-term trend for United Bankshares's operating cash flow?
Over 4 years (2021 to 2025), United Bankshares's operating cash flow has grown at a -4.9% compound annual growth rate (CAGR), from $609.54M to $498.91M.
What does operating cash flow mean?
Total cash generated by or used in core business operations — the single most important cash flow metric for assessing business health.

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