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 leverage flexibility ratio to measure the company's free cash flow as a share of total liabilities.
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. For the full cash flow conversion analysis, see cash efficiency ratio of United Bankshares Inc.
Annual Cash Flow-to-Debt Ratio for United Bankshares Inc (1989–2025)
Year-by-year debt coverage analysis for United Bankshares Inc. Check earnings quality score of United Bankshares Inc to evaluate the quality of earnings relative to operating cash generation.
| 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 | — |