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. Check earnings quality score of United Bankshares Inc to evaluate the quality of earnings relative to operating cash generation.
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. Explore UBSI long-term asset investment ratio to see how much of total assets are deployed in long-term investments.
Annual Cash Flow Reinvestment Rate for United Bankshares Inc (1989–2025)
Year-by-year capital reinvestment analysis for United Bankshares Inc. For live market cap and broader valuation context, see how much is United Bankshares Inc worth.
| 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 | — |