Fundies.
English

UNITED BANKSHARES INC/WV

EDGAR
UBSI Current report (8-K) · filed 2026-10-22

173 filing records in this dataset, filed from 1994-05-12 to 2026-10-22. Reported financial figures are available; chart coverage varies by period.

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Watchlist

Latest fiscal year

Revenue

312 million USD

2022 · USD

Exact inputs and evidence

Net margin

121.69%

2022 · %

Exact inputs and evidence
  • Net Income: 379627000 USD Source
  • Revenue: 311957000 USD Source

Operating cash flow

761 million USD

2022 · USD

Exact inputs and evidence
  • Operating Cash Flow: 760822000 USD Source

Free cash flow

744 million USD

2022 · USD

Exact inputs and evidence
  • Operating Cash Flow: 760822000 USD Source
  • Capital Expenditure: 16862000 USD Source
Cash and cash equivalents
1.67 billion USD Source
Exact value

1667328000 USD

Long-term debt including current maturities
532 million USD Source
Exact value

531817000 USD

Shares outstanding
Not available

Trailing twelve months

The four most recent complete quarters added together. This gives a full-year view that includes the latest quarterly results.

Net income

515 million USD

2025-07-01 – 2026-06-30

Exact inputs and evidence
  • Net income: 130748000 USD · 2025-07-01 – 2025-09-30 Source
  • Net income: 128828000 USD · 2025-10-01 – 2025-12-31 Source
  • Net income: 124200000 USD · 2026-01-01 – 2026-03-31 Source
  • Net income: 131377000 USD · 2026-04-01 – 2026-06-30 Source

Operating cash flow

556 million USD

2025-07-01 – 2026-06-30

Exact inputs and evidence
  • Operating cash flow: 359987000 USD · 2025-01-01 – 2025-09-30 Source
  • Operating cash flow: 209346000 USD · 2025-01-01 – 2025-06-30 Source
  • Operating cash flow: 498906000 USD · 2025-01-01 – 2025-12-31 Source
  • Operating cash flow: 359987000 USD · 2025-01-01 – 2025-09-30 Source
  • Operating cash flow: 160856000 USD · 2026-01-01 – 2026-03-31 Source
  • Operating cash flow: 266016000 USD · 2026-01-01 – 2026-06-30 Source
  • Operating cash flow: 160856000 USD · 2026-01-01 – 2026-03-31 Source

Capital expenditure

21.6 million USD

2025-07-01 – 2026-06-30

Exact inputs and evidence
  • Capital expenditure: 12285000 USD · 2025-01-01 – 2025-09-30 Source
  • Capital expenditure: 8061000 USD · 2025-01-01 – 2025-06-30 Source
  • Capital expenditure: 17714000 USD · 2025-01-01 – 2025-12-31 Source
  • Capital expenditure: 12285000 USD · 2025-01-01 – 2025-09-30 Source
  • Capital expenditure: 4840000 USD · 2026-01-01 – 2026-03-31 Source
  • Capital expenditure: 11993000 USD · 2026-01-01 – 2026-06-30 Source
  • Capital expenditure: 4840000 USD · 2026-01-01 – 2026-03-31 Source

Free cash flow

534 million USD

2025-07-01 – 2026-06-30

Exact inputs and evidence
  • Operating cash flow: 359987000 USD · 2025-01-01 – 2025-09-30 Source
  • Operating cash flow: 209346000 USD · 2025-01-01 – 2025-06-30 Source
  • Operating cash flow: 498906000 USD · 2025-01-01 – 2025-12-31 Source
  • Operating cash flow: 359987000 USD · 2025-01-01 – 2025-09-30 Source
  • Operating cash flow: 160856000 USD · 2026-01-01 – 2026-03-31 Source
  • Operating cash flow: 266016000 USD · 2026-01-01 – 2026-06-30 Source
  • Operating cash flow: 160856000 USD · 2026-01-01 – 2026-03-31 Source
  • Capital expenditure: 12285000 USD · 2025-01-01 – 2025-09-30 Source
  • Capital expenditure: 8061000 USD · 2025-01-01 – 2025-06-30 Source
  • Capital expenditure: 17714000 USD · 2025-01-01 – 2025-12-31 Source
  • Capital expenditure: 12285000 USD · 2025-01-01 – 2025-09-30 Source
  • Capital expenditure: 4840000 USD · 2026-01-01 – 2026-03-31 Source
  • Capital expenditure: 11993000 USD · 2026-01-01 – 2026-06-30 Source
  • Capital expenditure: 4840000 USD · 2026-01-01 – 2026-03-31 Source

Company performance

Up to ten complete financial years · consolidated figures

Includes later revisions to earlier periods. Annual charts exclude incomplete years.

Latest filing recorded: 2026-10-22.

Financial data available through: 2025-12-31.

Coverage by financial measure
  • Revenue: 5 of 11 periods available· newest 2022-12-31
  • operating income: No compatible figures in this window
  • Net income: 11 of 11 periods available· newest 2025-12-31
  • Operating cash flow: 11 of 11 periods available· newest 2025-12-31
  • Capital expenditure: 11 of 11 periods available· newest 2025-12-31
  • Total assets: 11 of 11 periods available· newest 2025-12-31
  • Total liabilities: 11 of 11 periods available· newest 2025-12-31
  • current assets: No compatible figures in this window
  • current liabilities: No compatible figures in this window
  • Cash and cash equivalents: 2 of 11 periods available· newest 2016-12-31
  • Long-term debt including current maturities: 11 of 11 periods available· newest 2025-12-31
  • shares outstanding: No compatible figures in this window

Coverage describes values retained in this snapshot. Missing values are not zero; loading limits are reported separately.

What changed year over year

Latest complete year compared with the corresponding period one year earlier. These are measured changes; they do not establish their business causes.

  • Net income

    +24.6%

    Prior period

    USD 373 million

    –

    Current period

    USD 464.6 million

    –

    Exact inputs and evidence

    464603000 − 372996000 = 91607000 USD

    372996000 USD · 2024-01-01 – 2024-12-31

    Inspect prior input Prior source

    464603000 USD · 2025-01-01 – 2025-12-31

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  • Operating cash flow

    +12%

    Prior period

    USD 445.45 million

    –

    Current period

    USD 498.91 million

    –

    Exact inputs and evidence

    498906000 − 445454000 = 53452000 USD

    445454000 USD · 2024-01-01 – 2024-12-31

    Inspect prior input Prior source

    498906000 USD · 2025-01-01 – 2025-12-31

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  • Capital expenditure

    +46.1%

    Prior period

    USD 12.13 million

    –

    Current period

    USD 17.71 million

    –

    Exact inputs and evidence

    17714000 − 12128000 = 5586000 USD

    12128000 USD · 2024-01-01 – 2024-12-31

    Inspect prior input Prior source

    17714000 USD · 2025-01-01 – 2025-12-31

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Comparable inputs unavailable for: Revenue.

Where revenue goes

How a period’s revenue divides into costs and what remains as profit. Items marked Derived are calculated by subtraction from reported figures.

2022 2022-01-01 – 2022-12-31

  • Revenue USD 311.96 million 100% of revenue
  • Operating costs Derived Unavailable An input is unavailable.
  • Operating income Unavailable An input is unavailable.
  • Tax, interest and other Derived Unavailable An input is unavailable.
  • Net income USD 379.63 million 122% of revenue

Cash

  • Operating cash flow USD 760.82 million 244% of revenue
  • Capital expenditure USD 16.86 million 5.4% of revenue
  • Free cash flow Derived USD 743.96 million 238% of revenue

Share of revenue by period

  • Net income
  • Tax, interest and other
  • Operating costs
  • 2018 Not shown: operating income or net income is not reported.
  • 2019 Not shown: operating income or net income is not reported.
  • 2020 Not shown: operating income or net income is not reported.
  • 2021 Not shown: operating income or net income is not reported.
  • 2022 Not shown: operating income or net income is not reported.
Values and sources
Revenue breakdown by annual reporting period
PeriodRevenueOperating costsOperating incomeTax, interest and otherNet incomeFree cash flowSource
2018 2018-01-01 – 2018-12-31239684000 UnavailableUnavailableUnavailable256342000 288259000 Derived
Source
2019 2019-01-01 – 2019-12-31276625000 UnavailableUnavailableUnavailable260099000 140882000 Derived
Source
2020 2020-01-01 – 2020-12-31263249000 UnavailableUnavailableUnavailable289023000 121422000 Derived
Source
2021 2021-01-01 – 2021-12-31330958000 UnavailableUnavailableUnavailable367738000 594159000 Derived
Source
2022 2022-01-01 – 2022-12-31311957000 UnavailableUnavailableUnavailable379627000 743960000 Derived
Source

Amounts are exact, in USD.

Growth

Sales over time and how quickly they are changing.

Revenue

Revenue reported for each complete financial period.

USD 312M 2022
Revenue historyRevenue reported for each complete financial period. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.357.4M268.1M178.7M89.4M0.020182019202020212022
Values and sources
Revenue values and source evidence
PeriodSeriesValue(USD)Source evidence
2018Revenue239684000
2019Revenue276625000
2020Revenue263249000
2021Revenue330958000
2022Revenue311957000

Revenue growth

Change in revenue from the same financial period one year earlier.

-5.7% 2022
Revenue growth historyChange in revenue from the same financial period one year earlier. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.28.2%19.1%10.0%0.9%-8.3%20182019202020212022
Values and sources
Revenue growth values and source evidence
PeriodSeriesValueSource evidence
2018Year over yearNo prior comparable period
2019Year over year15.4%
2020Year over year-4.8%
2021Year over year25.7%
2022Year over year-5.7%

Profit and cash

How much revenue becomes profit, and how much cash operations generate.

Profit margins

Operating income, net income and free cash flow as a share of revenue.

Net margin 121.7% 2022
Free cash flow margin 238.5% 2022
Profit margins historyOperating income, net income and free cash flow as a share of revenue. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.258%193%129%64%0%2018-12-312019-12-312020-12-312021-12-312022-12-31
  • Operating margin
  • Net margin
  • Free cash flow margin
Values and sources
Profit margins values and source evidence
PeriodSeriesValueSource evidence
2018-12-31Operating marginNot reported
2019-12-31Operating marginNot reported
2020-12-31Operating marginNot reported
2021-12-31Operating marginNot reported
2022-12-31Operating marginNot reported
2018Net margin106.9%
2019Net margin94%
2020Net margin109.8%
2021Net margin111.1%
2022Net margin121.7%
2018Free cash flow margin120.3%
2019Free cash flow margin50.9%
2020Free cash flow margin46.1%
2021Free cash flow margin179.5%
2022Free cash flow margin238.5%

Operating cash flow

Cash generated by the company’s normal business operations.

USD 760.8M 2022
Operating cash flow historyCash generated by the company’s normal business operations. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.821.7M616.3M410.8M205.4M0.020182019202020212022
Values and sources
Operating cash flow values and source evidence
PeriodSeriesValue(USD)Source evidence
2018Operating cash flow294035000
2019Operating cash flow151965000
2020Operating cash flow140447000
2021Operating cash flow609539000
2022Operating cash flow760822000

Free cash flow

Operating cash flow minus capital expenditure for the same period and unit.

USD 744M 2022
Free cash flow historyOperating cash flow minus capital expenditure for the same period and unit. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.803.5M602.6M401.7M200.9M0.020182019202020212022
Values and sources
Free cash flow values and source evidence
PeriodSeriesValue(USD)Source evidence
2018Free cash flow288259000
2019Free cash flow140882000
2020Free cash flow121422000
2021Free cash flow594159000
2022Free cash flow743960000

Balance sheet

Liabilities and short-term ability to meet obligations at each period end.

Liabilities to assets

Total liabilities as a share of total assets.

84.7% 2022
Liabilities to assets historyTotal liabilities as a share of total assets. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.91%69%46%23%0%20182019202020212022
Values and sources
Liabilities to assets values and source evidence
PeriodSeriesValueSource evidence
2018Liabilities / assets83.1%
2019Liabilities / assets82.9%
2020Liabilities / assets83.6%
2021Liabilities / assets83.9%
2022Liabilities / assets84.7%

Current assets to current liabilities

Current assets divided by current liabilities.

Not enough comparable data to show this history.
Values and sources
Current assets to current liabilities values and source evidence
PeriodSeriesValueSource evidence
2018-12-31Current assets / current liabilitiesNot reportedNo source recorded
2019-12-31Current assets / current liabilitiesNot reportedNo source recorded
2020-12-31Current assets / current liabilitiesNot reportedNo source recorded
2021-12-31Current assets / current liabilitiesNot reportedNo source recorded
2022-12-31Current assets / current liabilitiesNot reportedNo source recorded

Cash generation

Compare reported profit with operating cash and capital spending. Free cash flow is calculated as operating cash flow minus capital expenditure when both exact, consolidated amounts match the same period and unit.

Cash generation by annual reporting period
PeriodNet incomeOperating cash flowCapital expenditureFree cash flow
2016 2016-01-01 – 2016-12-31
USD 147.08 million
Exact value

Exact value: 147083000 USD

2016-01-01 – 2016-12-31: 147083000 USD Inspect Net Income Open source
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USD 170.73 million
Exact value

Exact value: 170734000 USD

2016-01-01 – 2016-12-31: 170734000 USD Inspect Operating Cash Flow Open source
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USD 7.27 million
Exact value

Exact value: 7271000 USD

2016-01-01 – 2016-12-31: 7271000 USD Inspect Capital Expenditure Open source
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USD 163.46 million
Calculation and evidence

170734000 − 7271000 USD

Exact free cash flow: 163463000 USD

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2017 2017-01-01 – 2017-12-31
USD 150.58 million
Exact value

Exact value: 150581000 USD

2017-01-01 – 2017-12-31: 150581000 USD Inspect Net Income Open source
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USD 253.93 million
Exact value

Exact value: 253928000 USD

2017-01-01 – 2017-12-31: 253928000 USD Inspect Operating Cash Flow Open source
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USD 14.36 million
Exact value

Exact value: 14357000 USD

2017-01-01 – 2017-12-31: 14357000 USD Inspect Capital Expenditure Open source
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USD 239.57 million
Calculation and evidence

253928000 − 14357000 USD

Exact free cash flow: 239571000 USD

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2018 2018-01-01 – 2018-12-31
USD 256.34 million
Exact value

Exact value: 256342000 USD

2018-01-01 – 2018-12-31: 256342000 USD Inspect Net Income Open source
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USD 294.04 million
Exact value

Exact value: 294035000 USD

2018-01-01 – 2018-12-31: 294035000 USD Inspect Operating Cash Flow Open source
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USD 5.78 million
Exact value

Exact value: 5776000 USD

2018-01-01 – 2018-12-31: 5776000 USD Inspect Capital Expenditure Open source
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USD 288.26 million
Calculation and evidence

294035000 − 5776000 USD

Exact free cash flow: 288259000 USD

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2019 2019-01-01 – 2019-12-31
USD 260.1 million
Exact value

Exact value: 260099000 USD

2019-01-01 – 2019-12-31: 260099000 USD Inspect Net Income Open source
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USD 151.97 million
Exact value

Exact value: 151965000 USD

2019-01-01 – 2019-12-31: 151965000 USD Inspect Operating Cash Flow Open source
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USD 11.08 million
Exact value

Exact value: 11083000 USD

2019-01-01 – 2019-12-31: 11083000 USD Inspect Capital Expenditure Open source
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USD 140.88 million
Calculation and evidence

151965000 − 11083000 USD

Exact free cash flow: 140882000 USD

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2020 2020-01-01 – 2020-12-31
USD 289.02 million
Exact value

Exact value: 289023000 USD

2020-01-01 – 2020-12-31: 289023000 USD Inspect Net Income Open source
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USD 140.45 million
Exact value

Exact value: 140447000 USD

2020-01-01 – 2020-12-31: 140447000 USD Inspect Operating Cash Flow Open source
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USD 19.03 million
Exact value

Exact value: 19025000 USD

2020-01-01 – 2020-12-31: 19025000 USD Inspect Capital Expenditure Open source
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USD 121.42 million
Calculation and evidence

140447000 − 19025000 USD

Exact free cash flow: 121422000 USD

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2021 2021-01-01 – 2021-12-31
USD 367.74 million
Exact value

Exact value: 367738000 USD

2021-01-01 – 2021-12-31: 367738000 USD Inspect Net Income Open source
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USD 609.54 million
Exact value

Exact value: 609539000 USD

2021-01-01 – 2021-12-31: 609539000 USD Inspect Operating Cash Flow Open source
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USD 15.38 million
Exact value

Exact value: 15380000 USD

2021-01-01 – 2021-12-31: 15380000 USD Inspect Capital Expenditure Open source
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USD 594.16 million
Calculation and evidence

609539000 − 15380000 USD

Exact free cash flow: 594159000 USD

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2022 2022-01-01 – 2022-12-31
USD 379.63 million
Exact value

Exact value: 379627000 USD

2022-01-01 – 2022-12-31: 379627000 USD Inspect Net Income Open source
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USD 760.82 million
Exact value

Exact value: 760822000 USD

2022-01-01 – 2022-12-31: 760822000 USD Inspect Operating Cash Flow Open source
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USD 16.86 million
Exact value

Exact value: 16862000 USD

2022-01-01 – 2022-12-31: 16862000 USD Inspect Capital Expenditure Open source
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USD 743.96 million
Calculation and evidence

760822000 − 16862000 USD

Exact free cash flow: 743960000 USD

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2023 2023-01-01 – 2023-12-31
USD 366.31 million
Exact value

Exact value: 366313000 USD

2023-01-01 – 2023-12-31: 366313000 USD Inspect Net Income Open source
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USD 435.24 million
Exact value

Exact value: 435237000 USD

2023-01-01 – 2023-12-31: 435237000 USD Inspect Operating Cash Flow Open source
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USD 11.69 million
Exact value

Exact value: 11687000 USD

2023-01-01 – 2023-12-31: 11687000 USD Inspect Capital Expenditure Open source
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USD 423.55 million
Calculation and evidence

435237000 − 11687000 USD

Exact free cash flow: 423550000 USD

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2024 2024-01-01 – 2024-12-31
USD 373 million
Exact value

Exact value: 372996000 USD

2024-01-01 – 2024-12-31: 372996000 USD Inspect Net Income Open source
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USD 445.45 million
Exact value

Exact value: 445454000 USD

2024-01-01 – 2024-12-31: 445454000 USD Inspect Operating Cash Flow Open source
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USD 12.13 million
Exact value

Exact value: 12128000 USD

2024-01-01 – 2024-12-31: 12128000 USD Inspect Capital Expenditure Open source
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USD 433.33 million
Calculation and evidence

445454000 − 12128000 USD

Exact free cash flow: 433326000 USD

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2025 2025-01-01 – 2025-12-31
USD 464.6 million
Exact value

Exact value: 464603000 USD

2025-01-01 – 2025-12-31: 464603000 USD Inspect Net Income Open source
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USD 498.91 million
Exact value

Exact value: 498906000 USD

2025-01-01 – 2025-12-31: 498906000 USD Inspect Operating Cash Flow Open source
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USD 17.71 million
Exact value

Exact value: 17714000 USD

2025-01-01 – 2025-12-31: 17714000 USD Inspect Capital Expenditure Open source
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USD 481.19 million
Calculation and evidence

498906000 − 17714000 USD

Exact free cash flow: 481192000 USD

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Capital expenditure uses the canonical mapped positive-spending convention. A missing, ambiguous, incompatible, or negative-sign input is left blank. Values use the latest reported version.

Dataset coverage and company identifiers

Coverage reflects filings processed into this Fundies dataset; it does not imply every source filing is loaded.

173 filings · 3,338 latest values · 3,338 originally reported values

Dataset published . Source filing dates and reporting periods are shown separately.

Identifiers: 0000729986, 729986, UBSI, edgar:729986

Also known as UNITED BANKSHARES INC/WV