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. See UBSI working capital ratio to evaluate short-term liquidity relative to the company's equity base.
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. See United Bankshares Inc balance sheet quality to measure how much of total assets are equity-financed.
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. For live market cap and the full company financial profile, see UBSI market cap.
| 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 | $- | $- | — |