United Bankshares, Inc. UBSI R2K

Financial Services · Banks - Regional · United States

United Bankshares, Inc., through its subsidiaries, provides commercial and retail banking products and services in the United States. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, and NOW accounts. Its loan products include commercial loans and leases to small to mid-size industrial and commercial companies, as well as automobile dealers, service, retail and wholesale merchants; construction and real estate loans, such as commercial and residential mortgages, and loans secured by owner-occupied real estate; personal, automobiles, boats, recreational vehicles, credit card receivables, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; trust, safe deposit boxes, wire transfers, and other banking products and services; investment and security services; buying and selling federal fund services; automated teller machine services; and internet and automated telephone banking services. Further, it offers community banking services, such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services, as well as custody of assets, investment management, escrow services, and related fiduciary activities. The company was incorporated in 1982 and is headquartered in Charleston, West Virginia.

Market & Price

Market Cap

$5.98B

Current Price

$43.41

High / Low (52W)

$45.08 / $33.61

Beta

0.74

Valuation

Stock P/E

12.16

Industry PE

12.01

Forward P/E

11.44

PEG Ratio

1.95

Book Value

$39.38

Price to Book

1.10

P/S

4.86

EV/EBITDA

Dividend Yield

3.50%

Profitability & Returns

ROCE

ROE

9.34%

ROA

1.52%

Profit Margin

40.96%

Op Margin

52.12%

EPS (Latest Qtr)

$0.89

EPS (TTM)

$3.57

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$792.33M

Total Assets

$33.66B

Current Assets

Working Capital

Ownership

Promoter Holding

2.19%

Chg in Prom Hold

FII / Inst Holding

75.39%

Chg in FII Hold

0.00%

Financial Snapshot

Enterprise Value

$4.45B

Total Revenue (TTM)

$1.23B

EBITDA

Free Cash Flow

Operating Cash Flow

$539.78M

Shares Outstanding

137.80M

Gross Margin

0.00%

Payout Ratio

42.02%

Growth (CAGR)

Revenue 5Y

5.90%

Profit 5Y

6.96%

Revenue (YoY)

10.60%

Earnings (YoY)

50.60%

PROS

Excellent profit margin of 41.0%.
Attractive dividend yield of 3.50%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	UBSI United Bankshares, Inc. R2K	43.41	12.16	$5.98B	3.50%	-	9.34%	5.90%	6.96%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	289.02M	305.39M	322.74M	317.97M	315.95M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	143.59M	146.66M	150.84M	142.60M	133.41M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	106.93M	152.09M	164.48M	159.90M	155.99M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	22.63M	31.37M	33.73M	31.07M	31.79M
Net Income	31.79M	41.48M	39.11M	38.81M	37.06M	56.74M	17.98M	61.71M	66.27M	64.41M	63.95M	63.64M	67.21M	65.97M	63.28M	40.18M	52.69M	103.78M	92.37M	106.90M	94.84M	92.15M	73.85M	81.66M	95.61M	102.58M	99.77M	98.31M	92.46M	96.16M	79.39M	86.81M	96.51M	95.27M	94.41M	84.31M	120.72M	130.75M	128.83M	124.20M
Diluted EPS	0.44	0.54	0.51	0.48	0.37	0.54	0.17	0.59	0.63	0.62	0.62	0.62	0.66	0.65	0.62	0.40	0.44	0.80	0.71	0.83	0.73	0.71	0.56	0.60	0.71	0.76	0.74	0.73	0.68	0.71	0.59	0.64	0.71	0.70	0.69	0.59	0.85	0.92	0.91	0.89

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	239.68M	276.62M	263.25M	-	1.04B	1.05B	1.03B	1.24B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	105.56M	481.40M	591.05M	583.69M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	475.78M	463.81M	464.58M	583.40M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	96.16M	97.49M	91.58M	118.80M
Net Income	86.95M	67.30M	71.95M	75.61M	82.61M	85.63M	129.89M	137.96M	147.08M	150.58M	256.34M	260.10M	289.02M	-	379.63M	366.31M	373.00M	464.60M
Diluted EPS	2.00	1.55	1.65	1.61	1.64	1.70	1.92	1.98	1.99	1.54	2.45	2.55	2.40	-	2.80	2.71	2.75	3.27

Compounded Sales Growth

5 Years:	5.90%
1 Year:	10.60%

Compounded Profit Growth

5 Years:	6.96%
1 Year:	50.60%

Stock Price Performance

1 Year:	+24.94%
6 Months:	+16.60%
3 Months:	+6.14%
1 Month:	+0.18%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	7.81B	7.16B	8.45B	8.42B	8.74B	12.33B	12.58B	14.51B	19.06B	19.25B	19.66B	26.18B	-	29.49B	29.93B	30.02B	33.66B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	230.65M	213.53M	449.77M	461.39M	636.00M	432.08M	416.62M	753.06M	857.34M	1.43B	-	-	-	-	-	1.18B	1.60B	2.29B	2.54B
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	94.89M	111.42M	102.41M	109.23M
Total Liabilities	-	-	7.04B	6.36B	7.48B	7.43B	7.69B	10.67B	10.87B	12.27B	15.82B	16.00B	16.30B	21.89B	-	24.97B	25.16B	25.03B	28.16B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	345.37M	284.93M	575.70M	1.11B	1.02B	1.17B	1.36B	1.50B	1.84B	864.37M	-	2.20B	1.79B	540.42M	531.82M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.27B	1.88B	627.19M	627.21M
Total Equity	761.20M	736.71M	761.55M	793.01M	968.84M	992.25M	1.04B	1.66B	1.71B	2.24B	3.24B	3.25B	3.36B	4.30B	-	4.52B	4.77B	4.99B	5.50B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	142.01M	142.26M	142.69M	150.86M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	113.94M	53.66M	100.82M	118.57M	129.44M	142.20M	-	-	170.73M	253.93M	294.04M	151.97M	140.45M	609.54M	760.82M	435.24M	445.45M	498.91M
Investing Cash Flow	-203.54M	545.16M	631.92M	158.34M	-208.14M	-373.11M	-	-	30.96M	266.68M	-873.01M	-383.32M	137.59M	15.65M	-3.45B	38.99M	571.49M	-899.31M
Financing Cash Flow	72.48M	-362.58M	-721.12M	-102.29M	-125.22M	215.45M	-	-	375.50M	-288.97M	-66.79M	48.45M	1.09B	923.91M	105.32M	-51.94M	-323.64M	650.41M
Capital Expenditure	-2.43M	-4.95M	-3.27M	-8.02M	-5.21M	-6.00M	-8.88M	-5.26M	-7.27M	-14.36M	-5.78M	-11.08M	-19.02M	-15.38M	-16.86M	-11.69M	-12.13M	-17.71M
Free Cash Flow	111.51M	48.71M	97.55M	110.55M	124.23M	136.20M	-	-	163.46M	239.57M	288.26M	140.88M	121.42M	594.16M	743.96M	423.55M	433.33M	481.19M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-2.58B	422.29M	693.30M	250.01M
Share Buybacks	206.00K	1.18M	11.00K	18.00K	12.00K	93.00K	2.00K	1.00K	1.00K	1.00K	100.72M	35.67M	21.32M	11.21M	79.46M	1.38M	1.04M	126.99M
Dividends Paid	50.18M	50.38M	52.26M	54.34M	62.33M	62.43M	82.50M	88.86M	96.35M	121.35M	142.35M	138.94M	162.71M	181.28M	193.04M	194.73M	200.73M	209.00M

Ratios (Annual)

Figures in %.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	106.9%	94.0%	109.8%	-	36.5%	35.0%	36.2%	37.6%
ROE %	11.8%	8.8%	9.1%	7.8%	8.3%	8.2%	7.8%	8.1%	6.6%	4.6%	7.9%	7.7%	6.7%	-	8.4%	7.7%	7.5%	8.5%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

2.19%

Institutions

75.39%

Public Float

77.08%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	14.63%	20.17M	$875.43M
2	State Street Corporation	5.79%	7.97M	$346.16M
3	Dimensional Fund Advisors LP	5.56%	7.66M	$332.58M
4	Vanguard Portfolio Management LLC	5.28%	7.28M	$315.92M
5	Vanguard Capital Management LLC	4.60%	6.34M	$275.43M
6	Earnest Partners LLC	3.00%	4.13M	$179.48M
7	Geode Capital Management, LLC	2.86%	3.94M	$171.13M
8	Victory Capital Management Inc.	2.26%	3.12M	$135.44M
9	AQR Capital Management, LLC	1.72%	2.37M	$103.09M
10	Charles Schwab Investment Management, Inc.	1.23%	1.69M	$73.57M

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UBSI · Financial Services