United Bankshares Inc (UBSI) — Capital Reinvestment Ratio
United Bankshares Inc (UBSI) has a Capital Reinvestment Ratio of 0.09x as of December 2025, meaning it reinvests 0% of its operating cash flow ($138.92 Million) in capital expenditures ($11.96 Million). See UBSI net asset quality score to measure how much of total assets are equity-financed.
Capital Reinvestment Ratio
Operating Cash Flow
Capital Expenditures
Data as of
United Bankshares Inc Capital Reinvestment Ratio (1989–2025)
This chart tracks United Bankshares Inc's Capital Reinvestment Ratio across 33 annual periods. Check United Bankshares Inc (UBSI) reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Annual Capital Reinvestment Ratio for United Bankshares Inc (1989–2025)
Year-by-year Capital Reinvestment Ratio for United Bankshares Inc from 1989 to 2025. For live market cap and broader valuation context, see United Bankshares Inc (UBSI) total market value.
| Year | Reinvestment Ratio | Operating CF (USD) | Capital Expenditures | YoY Change |
|---|---|---|---|---|
| 2025 | 0.04x | $498.91 Million | $17.71 Million | ▲ +30.4% |
| 2024 | 0.03x | $445.45 Million | $12.13 Million | ▲ +1.4% |
| 2023 | 0.03x | $435.24 Million | $11.69 Million | ▲ +21.2% |
| 2022 | 0.02x | $760.82 Million | $16.86 Million | ▼ -12.2% |
| 2021 | 0.03x | $609.54 Million | $15.38 Million | ▼ -81.4% |
| 2020 | 0.14x | $140.45 Million | $19.02 Million | ▲ +80.5% |
| 2019 | 0.08x | $147.69 Million | $11.08 Million | ▲ +282.0% |
| 2018 | 0.02x | $294.04 Million | $5.78 Million | ▼ -65.3% |
| 2017 | 0.06x | $253.93 Million | $14.36 Million | ▲ +32.8% |
| 2016 | 0.04x | $170.73 Million | $7.27 Million | ▲ +41.5% |
| 2015 | 0.03x | $174.90 Million | $5.26 Million | ▼ -48.3% |
| 2014 | 0.06x | $152.57 Million | $8.88 Million | ▲ +38.0% |
| 2013 | 0.04x | $142.20 Million | $6.00 Million | ▲ +4.8% |
| 2012 | 0.04x | $129.44 Million | $5.21 Million | ▼ -40.5% |
| 2011 | 0.07x | $118.57 Million | $8.02 Million | ▲ +108.3% |
| 2010 | 0.03x | $100.82 Million | $3.27 Million | ▼ -64.8% |
| 2009 | 0.09x | $53.66 Million | $4.95 Million | ▲ +332.7% |
| 2008 | 0.02x | $113.94 Million | $2.43 Million | ▼ -43.1% |
| 2007 | 0.04x | $81.45 Million | $3.05 Million | ▲ +7.4% |
| 2006 | 0.03x | $89.40 Million | $3.12 Million | ▲ +28.9% |
| 2005 | 0.03x | $112.88 Million | $3.05 Million | ▼ -35.1% |
| 2004 | 0.04x | $72.15 Million | $3.00 Million | ▲ +428.6% |
| 2003 | 0.01x | $88.13 Million | $694.00K | ▼ -83.6% |
| 2002 | 0.05x | $111.20 Million | $5.34 Million | ▼ -69.6% |
| 1997 | 0.16x | $31.00 Million | $4.90 Million | ▲ +12.4% |
| 1996 | 0.14x | $31.30 Million | $4.40 Million | ▲ +195.2% |
| 1995 | 0.05x | $35.70 Million | $1.70 Million | ▼ -21.8% |
| 1994 | 0.06x | $34.50 Million | $2.10 Million | ▲ +16.8% |
| 1993 | 0.05x | $30.70 Million | $1.60 Million | ▲ +30.9% |
| 1992 | 0.04x | $20.10 Million | $800.00K | ▼ -50.5% |
| 1991 | 0.08x | $19.90 Million | $1.60 Million | ▲ +18.6% |
| 1990 | 0.07x | $17.70 Million | $1.20 Million | ▼ -40.1% |
| 1989 | 0.11x | $10.60 Million | $1.20 Million | — |