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United Bankshares (UBSI)

Nasdaq Financials Regional Banks S&P MidCap 400
$48.22
-0.17 (-0.35%)
Close of Nov 06, 2026 · end-of-day data
Source: United Bankshares's 10-K / 10-Q XBRL data on SEC EDGAR · fetched Nov 06, 2026

Revenue, net income & free cash flow

Income statement

fiscal years · USD
Fiscal yearFY2018FY2019FY2020FY2021FY2022
Revenue$239.68M$276.62M$263.25M$330.96M$311.96M
Interest expense$129.07M$184.64M$108.61M$52.38M$105.56M
Pre-tax income$327.17M$324.44M$359.74M$462.85M$475.78M
Income tax$70.82M$64.34M$70.72M$95.11M$96.16M
Net income$256.34M$260.10M$289.02M$367.74M$379.63M
EPS (basic)$2.46$2.55$2.40$2.84$2.81
EPS (diluted)$2.45$2.55$2.40$2.83$2.80
Diluted shares104.30M101.85M120.09M129.51M135.12M
Net margin106.9%94.0%109.8%111.1%121.7%

Balance sheet

fiscal years · USD
Fiscal yearFY2018FY2019FY2020FY2021FY2022
Cash & equivalents—$837.49M$2.21B$3.76B$1.18B
Goodwill$1.48B$1.48B$1.80B$1.89B$1.89B
Total assets$19.25B$19.66B$26.18B$29.33B$29.49B
Short-term debt$176.63M$124.65M$142.30M$128.84M$160.70M
Long-term debt$1.50B$1.84B$864.37M$817.39M$2.20B
Total debt$1.68B$1.96B$1.01B$946.24M$2.36B
Total liabilities$16.00B$16.30B$21.89B$24.61B$24.97B
Shareholders' equity$3.25B$3.36B$4.30B$4.72B$4.52B

Cash flow

fiscal years · USD
Fiscal yearFY2018FY2019FY2020FY2021FY2022
Operating cash flow$294.04M$151.97M$140.45M$609.54M$760.82M
Capital expenditures$5.78M$11.08M$19.02M$15.38M$16.86M
Free cash flow$288.26M$140.88M$121.42M$594.16M$743.96M
Investing cash flow-$873.01M-$383.32M$137.59M$15.65M-$3.45B
Financing cash flow-$66.79M$48.45M$1.09B$923.91M$105.32M
Dividends paid$142.35M$138.94M$162.71M$181.28M$193.04M
Share buybacks$100.72M$35.67M$21.32M$11.21M$79.46M
Stock-based compensation$4.07M$4.91M$5.98M$8.02M$9.88M
Depreciation & amortization-$21.06M-$20.53M$13.46M$16.58M$18.24M

Quarterly figures are rebuilt from the year-to-date totals companies report — Q4 is the full year minus the first nine months, since no 10-Q is filed for it. Values are as filed; later restatements replace earlier ones. Fiscal years are labelled by the calendar year in which they end.