For the year ending 2025-12-31, UBSI had $250,006K increase in cash & cash equivalents over the period. $481,192K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| 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 | 498,906 |
| Proceeds from sales of securities available for sale | 527 |
| Proceeds from maturities and calls of securities available for sale | 2,260,333 |
| Purchases of securities available for sale | 2,142,828 |
| Proceeds from sales of equity securities | 713 |
| Purchases of equity securities | 929 |
| Proceeds from sales and redemptions of other investment securities | 15,396 |
| Purchases of other investment securities | 58,817 |
| Redemption of bank-owned life insurance policies | 5,344 |
| Purchases of bank premises and equipment | 17,714 |
| Proceeds from sales of bank premises and equipment | 1,444 |
| Proceeds from sales of mortgage servicing rights | 0 |
| Acquisition of piedmont bancorp, inc., net of cash paid | 77,476 |
| Proceeds from sales of oreo properties | 553 |
| Net change in loans and leases | 1,040,810 |
| Net cash (used in) provided by investing activities | -899,312 |
| Cash dividends paid | 209,002 |
| Acquisition of treasury stock | 126,989 |
| Proceeds from exercise of stock options | 751 |
| Repayment of long-term federal home loan bank borrowings | 10,000 |
| Proceeds from issuance of long-term federal home loan bank borrowings | 0 |
| Redemption of subordinated debt | 20,575 |
| Time deposits | 328,749 |
| Other deposits | 664,995 |
| Federal funds purchased, securities sold under agreements to repurchase and other short-term borrowings | 22,483 |
| Net cash provided by (used in) financing activities | 650,412 |
| Increase in cash and cash equivalents | 250,006 |
| Cash and cash equivalents at beginning of year | 2,292,244 |
| Cash and cash equivalents at end of year | 2,542,250 |
UNITED BANKSHARES INC WV (UBSI)
UNITED BANKSHARES INC WV (UBSI)