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United Bankshares, Inc. UBSI R2K

Financial Services · Banks - Regional · United States
https://www.ubsi-inc.com
Company Profile ↓
$46.19
+26.38% 1Y
Mkt Cap$6.36B
P/E12.94
P/B1.16
Div. Yield3.33%
52W High$46.94
52W Low$33.37
Book Value$39.38
EPS (TTM)$3.57

Company Overview

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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 10.4% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 12.9, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 41.0%.

Dividend Income

Offers a dividend yield of 3.33%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +10.6%, earnings +50.6%.
  • 5-Year Trend Long-term compounding — revenue CAGR 6.8%, profit CAGR 10.4%.

Growth & Price Performance

Compounded Sales Growth

5 Years:6.81%
1 Year:10.60%

Compounded Profit Growth

5 Years:10.36%
1 Year:50.60%

Stock Price Performance

1 Year:+26.38%
6 Months:+15.74%
3 Months:+5.94%
1 Month:+3.57%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 94% of range
$33.37 $46.94
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)58.52 · Neutral
Price Performance
1M+3.57%
3M+5.94%
6M+15.74%
1Y+26.38%
Valuation vs Sector

P/E of 12.94 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 41.0%.
  • Profit CAGR of 10.4% over 5 years.
  • Attractive dividend yield of 3.33%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
12.94
Industry PE
13.30
Forward P/E
12.17
PEG Ratio
1.95
Book Value
$39.38
Price to Book
1.16
P/S
5.11
EV/EBITDA
-
Dividend Yield
3.33%

Growth (CAGR)

Revenue 5Y
6.81%
Profit 5Y
10.36%
Revenue (YoY)
10.60%
Earnings (YoY)
50.60%

Profitability & Returns

ROCE
-
ROE
9.34%
ROA
1.52%
Profit Margin
40.96%
Op Margin
52.12%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.89
EPS (TTM)
$3.57

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$792.33M
Total Assets
$33.71B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
2.19%
Chg in Prom Hold
-
FII / Inst Holding
75.35%
Chg in FII Hold
-0.02%

Financial Snapshot

Enterprise Value
$6.36B
Total Revenue (TTM)
$1.23B
EBITDA
-
Free Cash Flow
$481.19M
Operating Cash Flow
$539.78M
Shares Outstanding
137.80M
Gross Margin
0.00%
Payout Ratio
42.02%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 UBSI United Bankshares, Inc. R2K 46.19 12.94 $6.36B 3.33% - 9.34% 6.81% 10.36%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Net Income 31.79M41.48M39.11M38.81M37.06M56.74M17.98M61.71M66.27M64.41M63.95M63.64M67.21M65.97M63.28M40.18M52.69M103.78M92.37M106.90M94.84M92.15M73.85M81.66M95.61M102.58M99.77M98.31M92.46M96.16M79.39M86.81M96.51M95.27M94.41M84.31M120.72M130.75M128.83M124.20M
Diluted EPS 0.440.540.510.480.370.540.170.590.630.620.620.620.660.650.620.400.440.800.710.830.730.710.560.600.710.760.740.730.680.710.590.640.710.700.690.590.850.920.910.89

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ----------239.68M276.62M263.25M330.96M311.96M---
Net Income 86.95M67.30M71.95M75.61M82.61M85.63M129.89M137.96M147.08M150.58M256.34M260.10M289.02M367.74M379.63M366.31M373.00M464.60M
Diluted EPS 2.001.551.651.611.641.701.921.981.991.542.452.552.402.832.802.712.753.27

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --7.81B7.16B8.45B8.42B8.74B12.33B12.58B14.51B19.06B19.25B19.66B26.18B29.33B29.49B29.93B30.02B33.66B
Total Equity 761.20M736.71M761.55M793.01M968.84M992.25M1.04B1.66B1.71B2.24B3.24B3.25B3.36B4.30B4.72B4.52B4.77B4.99B5.50B
Cash & Equivalents 230.65M213.53M449.77M461.39M636.00M432.08M416.62M753.06M857.34M1.43B---------
Long Term Debt ----345.37M284.93M575.70M1.11B1.02B1.17B1.36B1.50B1.84B864.37M817.39M2.20B1.79B540.42M531.82M
Total Liabilities --7.04B6.36B7.48B7.43B7.69B10.67B10.87B12.27B15.82B16.00B16.30B21.89B24.61B24.97B25.16B25.03B28.16B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 113.94M53.66M100.82M118.57M129.44M142.20M--170.73M253.93M294.04M151.97M140.45M609.54M760.82M435.24M445.45M498.91M
Investing Cash Flow -203.54M545.16M631.92M158.34M-208.14M-373.11M--30.96M266.68M-873.01M-383.32M137.59M15.65M-3.45B38.99M571.49M-899.31M
Financing Cash Flow 72.48M-362.58M-721.12M-102.29M-125.22M215.45M--375.50M-288.97M-66.79M48.45M1.09B923.91M105.32M-51.94M-323.64M650.41M
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 111.51M48.71M97.55M110.55M124.23M136.20M--163.46M239.57M288.26M140.88M121.42M594.16M743.96M423.55M433.33M481.19M
Share Buybacks 206.00K1.18M11.00K18.00K12.00K93.00K2.00K1.00K1.00K1.00K100.72M35.67M21.32M11.21M79.46M1.38M1.04M126.99M
Dividends Paid 50.18M50.38M52.26M54.34M62.33M62.43M82.50M88.86M96.35M121.35M142.35M138.94M162.71M181.28M193.04M194.73M200.73M209.00M

Ratios (Annual)

Figures in %.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ------------------
Operating Margin % ------------------
Net Margin % ----------106.9%94.0%109.8%111.1%121.7%---
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%7.8%8.4%7.7%7.5%8.5%
ROCE % ------------------

Shareholding Pattern

Insiders
2.19%
Institutions
75.35%
Public Float
77.03%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.63% 20.17M $936.94M
2 State Street Corporation 5.79% 7.97M $370.48M
3 Dimensional Fund Advisors LP 5.56% 7.66M $355.95M
4 Vanguard Portfolio Management LLC 5.28% 7.28M $338.11M
5 Vanguard Capital Management LLC 4.60% 6.34M $294.78M
6 Earnest Partners LLC 3.00% 4.13M $192.09M
7 Geode Capital Management, LLC 2.86% 3.94M $183.15M
8 Victory Capital Management Inc. 2.26% 3.12M $144.95M
9 AQR Capital Management, LLC 1.72% 2.37M $110.33M
10 Charles Schwab Investment Management, Inc. 1.23% 1.69M $78.74M

Analyst View

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Latest News

Recent headlines for UBSI

Google News hu, 09 Jul 2026

United Bankshares (UBSI) Pulls Back Following Strong Returns, Is It Still A Bargain? - simplywall.st

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Google News ue, 23 Jun 2026

United Bankshares (UBSI) Could Be a Great Choice - Yahoo Finance

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Google News Fri, 10 Jul 2026

Precision Trading with United Bankshares Inc. (UBSI) Risk Zones - Stock Traders Daily

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Google News Wed, 01 Jul 2026

UBSI (UBSI) director Clinton P. Winter buys 470 phantom stock units - Stock Titan

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Google News Wed, 13 May 2026

United Bankshares Declares Second Quarter Dividend - Business Wire

<a href="https://news.google.com/rss/articles/CBMiqwFBVV95cUxQaXZKMlBBQ1duLTNBRVg2d0ZZbDhwZGJRbExZRnpfRVFBMFZPNXVWNEsxZlBLWm1sQjlYdDBZTGpBWUxPUi1oY2wweEgtRm5HYkFWc1lFQTcxVXM2X2tOb1B1eHU3LWNYcGlrd2w1SHA5V2xFUnRTUHhiNnpQT25YWUJJVHdEU2pod01FMy…

Google News Fri, 26 Jun 2026

United Bankshares, Inc. Actuals & Estimates (NASDAQ:UBSI) - TradingView

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UBSI — Frequently Asked Questions

What is the current share price of United Bankshares, Inc. (UBSI)?

As of 2026-07-14 21:23 PDT, United Bankshares, Inc. (UBSI) trades at $46.19 on NasdaqGS. Its 52-week range is $33.37 to $46.94.

What is the market capitalisation of UBSI?

United Bankshares, Inc. (UBSI) has a market capitalisation of $6.36B on NasdaqGS.

What is the P/E ratio of UBSI?

UBSI trades at a trailing price-to-earnings (P/E) ratio of 12.94. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.16.

Does UBSI pay a dividend?

United Bankshares, Inc. (UBSI) currently offers a dividend yield of 3.33%.

What is the return on equity (ROE) of UBSI?

UBSI has a return on equity (ROE) of 9.34%.

Is UBSI a good stock to buy?

This page provides a data-driven analysis of United Bankshares, Inc. (UBSI), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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