United Bankshares Inc (UBSI) — Working Capital to Net Assets Ratio
United Bankshares Inc (UBSI) has a Working Capital to Net Assets ratio of 98.3% as of December 2025. Working capital of $5.40 Billion (current assets of $5.60 Billion minus current liabilities of $198.57 Million) is measured against net assets of $5.50 Billion. A higher ratio indicates strong short-term liquidity financed by the equity base. See UBSI FCF to total liabilities ratio to measure the company's free cash flow as a share of total liabilities.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
United Bankshares Inc Working Capital to Net Assets (1989–2025)
This chart shows how United Bankshares Inc's Working Capital to Net Assets ratio has evolved across 37 annual periods from 1989 to 2025. As of December 2025, the ratio stands at 98.3%, reflecting working capital of $5.40 Billion against net assets of $5.50 Billion USD. See United Bankshares Inc liquidity coverage in days to measure how many days the company can operate on defensive assets alone.
Annual Working Capital to Net Assets for United Bankshares Inc (1989–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for United Bankshares Inc from 1989 to 2025, covering 37 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. For live market cap and the full company profile, see UBSI stock market capitalisation.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | 98.3% | $5.40 Billion | $5.50 Billion | $5.60 Billion | $198.57 Million | ▲ +528.6 pp |
| 2024 | -430.2% | $-21.48 Billion | $4.99 Billion | $2.65 Billion | $24.14 Billion | ▼ -58.6 pp |
| 2023 | -371.7% | $-17.73 Billion | $4.77 Billion | $5.50 Billion | $23.23 Billion | ▲ +1.2 pp |
| 2022 | -372.9% | $-16.84 Billion | $4.52 Billion | $5.81 Billion | $22.65 Billion | ▼ -37.8 pp |
| 2021 | -335.1% | $-15.81 Billion | $4.72 Billion | $7.86 Billion | $23.67 Billion | ▲ +30.3 pp |
| 2020 | -365.4% | $-15.70 Billion | $4.30 Billion | $5.23 Billion | $20.93 Billion | ▼ -43.9 pp |
| 2019 | -321.5% | $-10.81 Billion | $3.36 Billion | $3.33 Billion | $14.15 Billion | ▲ +13.9 pp |
| 2018 | -335.4% | $-10.91 Billion | $3.25 Billion | $3.42 Billion | $14.32 Billion | ▼ -5.3 pp |
| 2017 | -330.1% | $-10.70 Billion | $3.24 Billion | $3.61 Billion | $14.30 Billion | ▲ +46.4 pp |
| 2016 | -376.5% | $-8.42 Billion | $2.24 Billion | $2.73 Billion | $11.15 Billion | ▲ +80.8 pp |
| 2015 | -457.3% | $-7.83 Billion | $1.71 Billion | $1.96 Billion | $9.79 Billion | ▲ +4.8 pp |
| 2014 | -462.1% | $-7.65 Billion | $1.66 Billion | $1.97 Billion | $9.62 Billion | ▲ +83.4 pp |
| 2013 | -545.5% | $-5.68 Billion | $1.04 Billion | $1.22 Billion | $6.90 Billion | ▲ +54.9 pp |
| 2012 | -600.5% | $-5.96 Billion | $992.25 Million | $1.08 Billion | $7.04 Billion | ▼ -4.2 pp |
| 2011 | -596.3% | $-5.78 Billion | $968.84 Million | $1.36 Billion | $7.14 Billion | ▲ +96.0 pp |
| 2010 | -692.3% | $-5.49 Billion | $793.01 Million | $484.24 Million | $5.97 Billion | ▲ +68.4 pp |
| 2009 | -760.7% | $-5.79 Billion | $761.55 Million | $476.21 Million | $6.27 Billion | ▲ +62.1 pp |
| 2008 | -822.8% | $-6.06 Billion | $736.71 Million | $236.90 Million | $6.30 Billion | ▼ -65.4 pp |
| 2007 | -757.5% | $-5.77 Billion | $761.20 Million | $251.38 Million | $6.02 Billion | ▲ +49.3 pp |
| 2006 | -806.7% | $-5.12 Billion | $634.09 Million | $274.95 Million | $5.39 Billion | ▼ -23.1 pp |
| 2005 | -783.7% | $-4.98 Billion | $635.21 Million | $230.84 Million | $5.21 Billion | ▼ -23.8 pp |
| 2004 | -759.9% | $-4.80 Billion | $631.51 Million | $180.84 Million | $4.98 Billion | ▼ -23.5 pp |
| 2003 | -736.4% | $-4.53 Billion | $615.19 Million | $270.37 Million | $4.80 Billion | ▲ +51.5 pp |
| 2002 | -787.8% | $-4.27 Billion | $541.54 Million | $202.94 Million | $4.47 Billion | ▲ +25.5 pp |
| 2001 | -813.3% | $-4.12 Billion | $506.53 Million | $189.61 Million | $4.31 Billion | ▲ +8.4 pp |
| 2000 | -821.8% | $-3.54 Billion | $430.87 Million | $179.69 Million | $3.72 Billion | ▲ +52.9 pp |
| 1999 | -874.7% | $-3.46 Billion | $395.90 Million | $196.20 Million | $3.66 Billion | ▼ -2.7 pp |
| 1998 | -872.0% | $-3.68 Billion | $421.50 Million | $171.70 Million | $3.85 Billion | ▼ -63.4 pp |
| 1997 | -808.6% | $-3.20 Billion | $396.10 Million | $213.90 Million | $3.42 Billion | ▼ -112.2 pp |
| 1996 | -696.4% | $-1.80 Billion | $258.50 Million | $103.00 Million | $1.90 Billion | ▲ +31.6 pp |
| 1995 | -727.9% | $-1.46 Billion | $201.20 Million | $90.90 Million | $1.56 Billion | ▲ +58.4 pp |
| 1994 | -786.3% | $-1.41 Billion | $179.70 Million | $93.70 Million | $1.51 Billion | ▲ +50.9 pp |
| 1993 | -837.3% | $-1.43 Billion | $171.00 Million | $71.40 Million | $1.50 Billion | ▼ -23.5 pp |
| 1992 | -813.7% | $-1.22 Billion | $150.10 Million | $133.20 Million | $1.35 Billion | ▲ +55.5 pp |
| 1991 | -869.3% | $-978.80 Million | $112.60 Million | $87.50 Million | $1.07 Billion | ▲ +61.0 pp |
| 1990 | -930.3% | $-992.60 Million | $106.70 Million | $82.50 Million | $1.08 Billion | ▲ +34.6 pp |
| 1989 | -964.8% | $-916.60 Million | $95.00 Million | $76.90 Million | $993.50 Million | — |