United Bankshares Inc (UBSI) — Defensive Interval Ratio
United Bankshares Inc (UBSI) has a Defensive Interval Ratio of 5824 days as of December 2025. Defensive assets of $3.17 Billion (cash $-, short-term investments $3.06 Billion, receivables $109.23 Million) cover 5824 days of daily cash needs of $544.04K/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
United Bankshares Inc Defensive Interval Ratio (1989–2025)
This chart shows how United Bankshares Inc's Defensive Interval Ratio has evolved across 37 annual periods from 1989 to 2025. As of December 2025, the ratio stands at 5824 days, meaning defensive assets of $3.17 Billion can fund 5824 days of operations without new revenue. For the complete balance sheet picture, see United Bankshares Inc total assets.
Annual Defensive Interval Ratio for United Bankshares Inc (1989–2025)
The table below presents the year-by-year Defensive Interval Ratio for United Bankshares Inc from 1989 to 2025, covering 37 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See UBSI current assets to equity ratio to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 5824 days | $3.17 Billion | $544.04K/day | $- | $3.06 Billion | ▲ +5819 days |
| 2024 | 6 days | $363.87 Million | $66.13 Million/day | $- | $261.46 Million | ▼ -56 days |
| 2023 | 61 days | $3.90 Billion | $63.64 Million/day | $- | $3.79 Billion | ▼ -13 days |
| 2022 | 75 days | $4.64 Billion | $62.06 Million/day | $- | $4.54 Billion | ▲ +11 days |
| 2021 | 63 days | $4.11 Billion | $64.86 Million/day | $- | $4.04 Billion | ▲ +11 days |
| 2020 | 53 days | $3.02 Billion | $57.34 Million/day | $- | $2.95 Billion | ▼ -12 days |
| 2019 | 64 days | $2.50 Billion | $38.76 Million/day | $- | $2.44 Billion | ▲ +3 days |
| 2018 | 61 days | $2.40 Billion | $39.24 Million/day | $- | $2.34 Billion | ▲ +12 days |
| 2017 | 50 days | $1.94 Billion | $39.19 Million/day | $- | $1.89 Billion | ▲ +7 days |
| 2016 | 43 days | $1.30 Billion | $30.55 Million/day | $- | $1.26 Billion | ▲ +1 days |
| 2015 | 41 days | $1.10 Billion | $26.82 Million/day | $- | $1.07 Billion | ▼ -5 days |
| 2014 | 46 days | $1.21 Billion | $26.35 Million/day | $- | $1.18 Billion | ▲ +4 days |
| 2013 | 42 days | $801.95 Million | $18.91 Million/day | $- | $775.28 Million | ▲ +9 days |
| 2012 | 34 days | $651.93 Million | $19.29 Million/day | $- | $625.62 Million | ▼ -3 days |
| 2011 | 37 days | $722.98 Million | $19.55 Million/day | $- | $696.52 Million | ▲ +31 days |
| 2010 | 6 days | $97.97 Million | $16.37 Million/day | $- | $74.40 Million | ▼ 0 days |
| 2009 | 6 days | $104.88 Million | $17.18 Million/day | $- | $77.72 Million | ▼ -59 days |
| 2008 | 65 days | $1.13 Billion | $17.26 Million/day | $- | $1.10 Billion | ▼ -7 days |
| 2007 | 72 days | $1.19 Billion | $16.49 Million/day | $- | $1.16 Billion | ▼ -2 days |
| 2006 | 74 days | $1.10 Billion | $14.77 Million/day | $- | $1.06 Billion | ▼ -17 days |
| 2005 | 92 days | $1.31 Billion | $14.27 Million/day | $- | $1.27 Billion | ▼ -4 days |
| 2004 | 96 days | $1.30 Billion | $13.64 Million/day | $- | $1.28 Billion | ▼ -3 days |
| 2003 | 98 days | $1.29 Billion | $13.15 Million/day | $- | $1.27 Billion | ▲ +13 days |
| 2002 | 86 days | $1.05 Billion | $12.24 Million/day | $- | $1.02 Billion | ▲ +83 days |
| 2001 | 3 days | $33.55 Million | $11.81 Million/day | $- | $1.54 Million | ▼ -1 days |
| 2000 | 4 days | $38.01 Million | $10.19 Million/day | $- | $2.01 Million | ▲ +0 days |
| 1999 | 4 days | $36.40 Million | $10.03 Million/day | $- | $- | ▲ +1 days |
| 1998 | 3 days | $30.40 Million | $10.54 Million/day | $- | $- | ▲ +0 days |
| 1997 | 3 days | $23.90 Million | $9.36 Million/day | $- | $- | ▼ 0 days |
| 1996 | 3 days | $13.50 Million | $5.21 Million/day | $- | $- | ▼ 0 days |
| 1995 | 3 days | $12.00 Million | $4.26 Million/day | $- | $- | ▲ +0 days |
| 1994 | 3 days | $10.90 Million | $4.13 Million/day | $- | $- | ▲ +0 days |
| 1993 | 3 days | $10.50 Million | $4.12 Million/day | $- | $- | ▼ 0 days |
| 1992 | 3 days | $10.50 Million | $3.71 Million/day | $- | $- | ▼ 0 days |
| 1991 | 3 days | $9.70 Million | $2.92 Million/day | $- | $- | ▼ -1 days |
| 1990 | 4 days | $11.80 Million | $2.95 Million/day | $- | $- | ▼ 0 days |
| 1989 | 4 days | $11.10 Million | $2.72 Million/day | $- | $- | — |