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Cash Flow Overview

Change in Cash
-$223,731K
Free Cash flow
$98,007K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from maturities and cal...
    • Net cash provided by operating a...
    • Proceeds from sales of securitie...
    • Others
Negative Cash Flow Breakdown
    • Purchases of securities availabl...
    • Net change in loans and leases
    • Acquisition of treasury stock
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
-
-
464,603
-
Provision for credit losses
-
-
53,866
-
Amortization and accretion
-
-
29,864
-
Loss on sales of bank premises, oreo, leases and equipment
-
-
-97
-
Write-downs on bank premises, oreo, leases and equipment
-
-
55
-
Depreciation
-
-
16,813
-
(gain) loss on securities
-
-
11,170
-
Loans originated for sale
-
-
370,856
-
Proceeds from sales of loans
-
-
393,506
-
Gain on sales of loans
-
-
9,567
-
Mortgage repurchase loan reserve activity
-
-
327
-
Stock-based compensation
-
-
13,089
-
Excess tax benefits from stock-based compensation arrangements
-
-
-83
-
Deferred income tax expense (benefit)
-
-
16,645
-
Amortization of tax credit investments
-
-
-15,424
-
Originations of mortgage servicing rights
-
-
0
-
Gain on sale of mortgage servicing rights
-
-
0
-
Increase in cash surrender value of bank-owned life insurance policies
-
-
14,489
-
(amortization) accretion of net periodic pension costs
-
-
-2,257
-
Interest receivable
-
-
6,820
-
Other assets
-
-
12,464
-
Accrued expenses and other liabilities
-
-
-17,461
-
Net cash provided by operating activities
105,160
160,856
138,919
150,641
Proceeds from sales of securities available for sale
71,607
99
100
235
Proceeds from maturities and calls of securities available for sale
375,561
350,306
678,747
663,716
Purchases of securities available for sale
556,105
514,588
693,771
575,083
Proceeds from sales of equity securities
2,986
28,942
0
185
Purchases of equity securities
14,188
4,165
284
125
Proceeds from sales and redemptions of other investment securities
7,682
1,117
567
12,368
Purchases of other investment securities
9,956
7,172
11,639
19,245
Redemption of bank-owned life insurance policies
-
-
1,095
4,249
Purchases of bank premises and equipment
7,153
4,840
5,429
4,224
Proceeds from sales of bank premises and equipment
60
1
1
1,081
Proceeds from sales of mortgage servicing rights
-
-
0
-3,365
Proceeds from termination of bankowned life insurance policies
-
0
-
-
Proceeds from bank-owned life insurance death benefits
0
-
-
-
Acquisition of piedmont bancorp, inc., net of cash paid
0
0
0
0
Proceeds from sales of oreo properties
1,161
525
368
18
Net change in loans and leases
132,538
154,335
192,476
482,582
Net cash used in investing activities
-260,883
-304,110
-222,721
-402,772
Cash dividends paid
53,303
53,382
52,481
52,717
Acquisition of treasury stock
65,993
70,261
47,582
26,504
Proceeds from exercise of stock options
599
2,127
386
38
Repayment of long-term federal home loan bank borrowings
0
0
0
0
Proceeds from issuance of long-term federal home loan bank borrowings
-
0
0
0
Redemption of subordinated debt
-
-
0
20,575
Time deposits
-
-
328,749
-
Other deposits
-
-
664,995
-
Deposits
49,868
-756,342
-
547,701
Federal funds purchased, securities sold under agreements to repurchase and other short-term borrowings
821
-32,398
29,560
8,215
Net cash (used in) provided by financing activities
-68,008
-93,962
107,333
456,158
(decrease) increase in cash and cash equivalents
-223,731
-237,216
23,531
204,027
Cash and cash equivalents at beginning of year
2,305,034
2,542,250
2,518,719
2,292,244
Cash and cash equivalents at end of period
2,081,303
2,305,034
2,542,250
2,518,719
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net cash provided byoperating activities$105,160K (-49.77%↓ Y/Y)(decrease) increase in cashand cash...-$223,731K (-1096.66%↓ Y/Y)Canceled cashflow$105,160K Proceeds from maturitiesand calls of...$375,561K (-59.08%↓ Y/Y)Proceeds from sales ofsecurities available for...$71,607K (37195.31%↑ Y/Y)Proceeds from sales andredemptions of other...$7,682K (212.15%↑ Y/Y)Proceeds from sales ofequity securities$2,986K (465.53%↑ Y/Y)Proceeds from sales oforeo properties$1,161K (595.21%↑ Y/Y)Proceeds from sales ofbank premises and...$60K (-83.43%↓ Y/Y)Deposits$49,868K (-81.43%↓ Y/Y)Federal fundspurchased, securities sold...$821K (105.37%↑ Y/Y)Proceeds from exercise ofstock options$599K (83.18%↑ Y/Y)Net cash used ininvesting activities-$260,883K (4.72%↑ Y/Y)Canceled cashflow$459,057K Net cash (used in)provided by financing...-$68,008K (-178.24%↓ Y/Y)Canceled cashflow$51,288K Purchases of securitiesavailable for sale$556,105K (-36.37%↓ Y/Y)Net change in loansand leases$132,538K (-63.76%↓ Y/Y)Purchases of equitysecurities$14,188K (2628.46%↑ Y/Y)Purchases of otherinvestment securities$9,956K (-64.36%↓ Y/Y)Purchases of bank premisesand equipment$7,153K (-11.26%↓ Y/Y)Acquisition of treasurystock$65,993K (24.74%↑ Y/Y)Cash dividends paid$53,303K (-48.65%↓ Y/Y)

UNITED BANKSHARES INC WV (UBSI)

UNITED BANKSHARES INC WV (UBSI)