For the quarter ending 2026-03-31, UBSI had -$237,216K decrease in cash & cash equivalents over the period. $156,016K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| 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 | 160,856 | 138,919 | 150,641 | 209,346 |
| Proceeds from sales of securities available for sale | 99 | 100 | 235 | 192 |
| Proceeds from maturities and calls of securities available for sale | 350,306 | 678,747 | 663,716 | 917,870 |
| Purchases of securities available for sale | 514,588 | 693,771 | 575,083 | 873,974 |
| Redemption of bank-owned life insurance policies | - | 1,095 | 4,249 | - |
| Proceeds from sales of equity securities | 28,942 | 0 | 185 | 528 |
| Proceeds from sales of mortgage servicing rights | - | 0 | -3,365 | 3,365 |
| Purchases of equity securities | 4,165 | 284 | 125 | 520 |
| Proceeds from sales and redemptions of other investment securities | 1,117 | 567 | 12,368 | 2,461 |
| Purchases of other investment securities | 7,172 | 11,639 | 19,245 | 27,933 |
| Purchases of bank premises and equipment | 4,840 | 5,429 | 4,224 | 8,061 |
| Proceeds from sales of bank premises and equipment | 1 | 1 | 1,081 | 362 |
| Proceeds from termination of bankowned life insurance policies | 0 | - | - | - |
| Acquisition of piedmont bancorp, inc., net of cash paid | 0 | 0 | 0 | 77,476 |
| Proceeds from sales of oreo properties | 525 | 368 | 18 | 167 |
| Net change in loans and leases | 154,335 | 192,476 | 482,582 | 365,752 |
| Net cash used in investing activities | -304,110 | -222,721 | -402,772 | -273,819 |
| Cash dividends paid | 53,382 | 52,481 | 52,717 | 103,804 |
| Acquisition of treasury stock | 70,261 | 47,582 | 26,504 | 52,903 |
| Proceeds from exercise of stock options | 2,127 | 386 | 38 | 327 |
| Repayment of long-term federal home loan bank borrowings | 0 | 0 | 0 | 10,000 |
| Proceeds from issuance of long-term federal home loan bank borrowings | 0 | 0 | 0 | 0 |
| Redemption of subordinated debt | - | 0 | 20,575 | - |
| Time deposits | - | 328,749 | - | - |
| Other deposits | - | 664,995 | - | - |
| Deposits | -756,342 | - | 547,701 | 268,593 |
| Federal funds purchased, securities sold under agreements to repurchase and other short-term borrowings | -32,398 | 29,560 | 8,215 | -15,292 |
| Net cash (used in) provided by financing activities | -93,962 | 107,333 | 456,158 | 86,921 |
| (decrease) increase in cash and cash equivalents | -237,216 | 23,531 | 204,027 | 22,448 |
| Cash and cash equivalents at beginning of year | 2,542,250 | 2,518,719 | 2,292,244 | - |
| Cash and cash equivalents at end of period | 2,305,034 | 2,542,250 | 2,518,719 | - |
UNITED BANKSHARES INC WV (UBSI)
UNITED BANKSHARES INC WV (UBSI)