United Bankshares Inc (UBSI) — Cash Flow Reinvestment Rate
United Bankshares Inc (UBSI) has a Cash Flow Reinvestment Rate of 0.28x as of December 2025, reinvesting $38.24 Million (capex $11.96 Million plus investments $-26.28 Million) from operating cash flow of $138.92 Million. See cash generation quality of United Bankshares Inc to measure how efficiently the company converts operating cash flow to free cash.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
United Bankshares Inc Cash Flow Reinvestment Rate (1989–2025)
Historical reinvestment intensity for United Bankshares Inc across 35 annual periods. For the full cash flow conversion analysis, see United Bankshares Inc (UBSI) cash conversion ratio.
Annual Cash Flow Reinvestment Rate for United Bankshares Inc (1989–2025)
Year-by-year capital reinvestment analysis for United Bankshares Inc. See United Bankshares Inc leverage flexibility ratio to measure the company's free cash flow as a share of total liabilities.
| Year | Reinvestment Rate | Total Reinvested (USD) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.18x | $92.11 Million | $498.91 Million | $17.71 Million | ▼ -85.9% |
| 2024 | 1.31x | $583.61 Million | $445.45 Million | $12.13 Million | ▲ +62.0% |
| 2023 | 0.81x | $352.08 Million | $435.24 Million | $11.69 Million | ▼ -81.8% |
| 2022 | 4.44x | $3.38 Billion | $760.82 Million | $16.86 Million | ▲ +2165.9% |
| 2021 | 0.20x | $119.36 Million | $609.54 Million | $15.38 Million | ▼ -92.7% |
| 2020 | 2.70x | $378.61 Million | $140.45 Million | $19.02 Million | ▲ +51.7% |
| 2019 | 1.78x | $262.41 Million | $147.69 Million | $11.08 Million | ▼ -37.3% |
| 2018 | 2.83x | $833.57 Million | $294.04 Million | $5.78 Million | ▲ +126.5% |
| 2017 | 1.25x | $317.87 Million | $253.93 Million | $14.36 Million | ▲ +209.0% |
| 2016 | 0.41x | $69.17 Million | $170.73 Million | $7.27 Million | ▼ -58.4% |
| 2015 | 0.97x | $170.37 Million | $174.90 Million | $5.26 Million | ▼ -43.1% |
| 2014 | 1.71x | $261.18 Million | $152.57 Million | $8.88 Million | ▼ -33.0% |
| 2013 | 2.55x | $363.30 Million | $142.20 Million | $6.00 Million | ▲ +51.7% |
| 2012 | 1.68x | $218.06 Million | $129.44 Million | $5.21 Million | ▲ +75.3% |
| 2011 | 0.96x | $113.96 Million | $118.57 Million | $8.02 Million | ▼ -84.7% |
| 2010 | 6.29x | $633.82 Million | $100.82 Million | $3.27 Million | ▲ +6718.4% |
| 2009 | 0.09x | $4.95 Million | $53.66 Million | $4.95 Million | ▲ +332.7% |
| 2008 | 0.02x | $2.43 Million | $113.94 Million | $2.43 Million | ▼ -43.1% |
| 2007 | 0.04x | $3.05 Million | $81.45 Million | $3.05 Million | ▲ +7.4% |
| 2006 | 0.03x | $3.12 Million | $89.40 Million | $3.12 Million | ▲ +28.9% |
| 2005 | 0.03x | $3.05 Million | $112.88 Million | $3.05 Million | ▼ -35.1% |
| 2004 | 0.04x | $3.00 Million | $72.15 Million | $3.00 Million | ▲ +428.6% |
| 2003 | 0.01x | $694.00K | $88.13 Million | $694.00K | ▼ -83.6% |
| 2002 | 0.05x | $5.34 Million | $111.20 Million | $5.34 Million | — |
| 2000 | 0.00x | $0.00 | $743.00K | $0.00 | — |
| 1999 | 0.00x | $0.00 | $226.40 Million | $0.00 | ▼ -100.0% |
| 1997 | 0.16x | $4.90 Million | $31.00 Million | $4.90 Million | ▲ +12.4% |
| 1996 | 0.14x | $4.40 Million | $31.30 Million | $4.40 Million | ▲ +195.2% |
| 1995 | 0.05x | $1.70 Million | $35.70 Million | $1.70 Million | ▼ -21.8% |
| 1994 | 0.06x | $2.10 Million | $34.50 Million | $2.10 Million | ▲ +16.8% |
| 1993 | 0.05x | $1.60 Million | $30.70 Million | $1.60 Million | ▲ +30.9% |
| 1992 | 0.04x | $800.00K | $20.10 Million | $800.00K | ▼ -50.5% |
| 1991 | 0.08x | $1.60 Million | $19.90 Million | $1.60 Million | ▲ +18.6% |
| 1990 | 0.07x | $1.20 Million | $17.70 Million | $1.20 Million | ▼ -40.1% |
| 1989 | 0.11x | $1.20 Million | $10.60 Million | $1.20 Million | — |