United Bankshares Inc (UBSI) — Cash Flow-to-Debt Ratio
United Bankshares Inc (UBSI) has a Cash Flow-to-Debt Ratio of 0.00x as of December 2025, meaning its operating cash flow of $138.92 Million could theoretically repay 0% of its total liabilities ($28.16 Billion) in one year. See United Bankshares Inc free cash flow efficiency to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
United Bankshares Inc Cash Flow-to-Debt Ratio (1989–2025)
Historical debt coverage capacity for United Bankshares Inc across 37 annual periods. Also explore net asset momentum of United Bankshares Inc to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for United Bankshares Inc (1989–2025)
Year-by-year debt coverage analysis for United Bankshares Inc. For market capitalisation and broader financial context, see UBSI stock market capitalisation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.02x | $498.91 Million | $28.16 Billion | ▼ -0.5% |
| 2024 | 0.02x | $445.45 Million | $25.03 Billion | ▲ +2.9% |
| 2023 | 0.02x | $435.24 Million | $25.16 Billion | ▼ -43.2% |
| 2022 | 0.03x | $760.82 Million | $24.97 Billion | ▲ +23.0% |
| 2021 | 0.02x | $609.54 Million | $24.61 Billion | ▲ +286.0% |
| 2020 | 0.01x | $140.45 Million | $21.89 Billion | ▼ -29.2% |
| 2019 | 0.01x | $147.69 Million | $16.30 Billion | ▼ -50.7% |
| 2018 | 0.02x | $294.04 Million | $16.00 Billion | ▲ +14.5% |
| 2017 | 0.02x | $253.93 Million | $15.82 Billion | ▲ +15.4% |
| 2016 | 0.01x | $170.73 Million | $12.27 Billion | ▼ -13.6% |
| 2015 | 0.02x | $174.90 Million | $10.87 Billion | ▲ +12.6% |
| 2014 | 0.01x | $152.57 Million | $10.67 Billion | ▼ -22.7% |
| 2013 | 0.02x | $142.20 Million | $7.69 Billion | ▲ +6.1% |
| 2012 | 0.02x | $129.44 Million | $7.43 Billion | ▲ +10.0% |
| 2011 | 0.02x | $118.57 Million | $7.48 Billion | ▼ 0.0% |
| 2010 | 0.02x | $100.82 Million | $6.36 Billion | ▲ +108.0% |
| 2009 | 0.01x | $53.66 Million | $7.04 Billion | ▼ -50.8% |
| 2008 | 0.02x | $113.94 Million | $7.37 Billion | ▲ +37.4% |
| 2007 | 0.01x | $81.45 Million | $7.23 Billion | ▼ -23.4% |
| 2006 | 0.01x | $89.40 Million | $6.08 Billion | ▼ -20.7% |
| 2005 | 0.02x | $112.88 Million | $6.09 Billion | ▲ +49.0% |
| 2004 | 0.01x | $72.15 Million | $5.80 Billion | ▼ -18.7% |
| 2003 | 0.02x | $88.13 Million | $5.76 Billion | ▼ -27.8% |
| 2002 | 0.02x | $111.20 Million | $5.25 Billion | ▲ +289.9% |
| 2001 | -0.01x | $-57.17 Million | $5.13 Billion | ▼ -6816.1% |
| 2000 | 0.00x | $743.00K | $4.47 Billion | ▼ -99.7% |
| 1999 | 0.05x | $226.40 Million | $4.67 Billion | ▲ +301.3% |
| 1998 | -0.02x | $-99.80 Million | $4.15 Billion | ▼ -387.2% |
| 1997 | 0.01x | $31.00 Million | $3.70 Billion | ▼ -44.6% |
| 1996 | 0.02x | $31.30 Million | $2.07 Billion | ▼ -31.6% |
| 1995 | 0.02x | $35.70 Million | $1.61 Billion | ▲ +3.1% |
| 1994 | 0.02x | $34.50 Million | $1.61 Billion | ▲ +8.3% |
| 1993 | 0.02x | $30.70 Million | $1.55 Billion | ▲ +37.8% |
| 1992 | 0.01x | $20.10 Million | $1.40 Billion | ▼ -22.2% |
| 1991 | 0.02x | $19.90 Million | $1.08 Billion | ▲ +13.5% |
| 1990 | 0.02x | $17.70 Million | $1.09 Billion | ▲ +54.2% |
| 1989 | 0.01x | $10.60 Million | $1.00 Billion | — |