UBSI
United Bankshares, Inc.
Price Chart
Latest Quote
$44.19
-0.86 (-1.91%)
Current Price
| Previous Close | $45.05 |
| Open | $44.80 |
| Day High | $45.24 |
| Day Low | $43.85 |
| Volume | 1,588,663 |
Stock Information
| Shares Outstanding | 137.80M |
| Total Debt | $792.33M |
| Cash Equivalents | $2.31B |
| Revenue | $1.23B |
| Net Income | $503.46M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $6.09B |
| P/E Ratio | 12.38 |
| EPS (TTM) | $3.57 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $4.68B |
| Sales | $1.23B |
| Income | $503.46M |
| Book/sh | $39.38 |
| Cash/sh | $16.74 |
| Employees | 3K |
Financial Ratios
| EPS Growth TTM | 47.30% |
Returns & Margins
| ROA | 1.52% |
| ROE | 9.34% |
| Operating Margin | 52.12% |
| Profit Margin | 40.96% |
Ownership
| Insider Ownership | 2.19% |
| Institutional Ownership | 75.38% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 11.65 |
| PEG | 1.95 |
| P/S | 4.94 |
| P/B | 1.12 |
Analyst Data
| Recommendation | none |
| Target Price | $47.40 |
Technical Indicators
| SMA20 | $43.57 |
| SMA50 | $43.24 |
| SMA200 | $39.56 |
| RSI | 57.77 |
| ATR | 0.9696 |
| Shares Float | 134.11M |
| Short Float | 4.11% |
| Short Ratio | 7.48 |
| Volatility | 0.74 |
| Rel Volume | 1.95 |
Performance History
| Week | -0.70% |
| Month | +4.76% |
| Quarter | +14.04% |
| 6 Months | +13.47% |
| YTD | +17.22% |
| Year | +31.25% |
| 3 Years | +57.85% |
| 5 Years | +44.44% |
| 10 Years | +75.65% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-17 | $44.19 | 1,622,700 |
| 2026-06-16 | $45.05 | 872,700 |
| 2026-06-15 | $44.86 | 900,000 |
| 2026-06-12 | $45.65 | 763,600 |
| 2026-06-11 | $44.60 | 959,700 |
| 2026-06-10 | $44.50 | 1,163,800 |
| 2026-06-09 | $43.96 | 842,300 |
| 2026-06-08 | $43.39 | 772,300 |
| 2026-06-05 | $43.53 | 641,800 |
| 2026-06-04 | $43.35 | 793,500 |
| 2026-06-03 | $42.22 | 961,100 |
| 2026-06-02 | $43.13 | 541,000 |
| 2026-06-01 | $42.28 | 989,500 |
| 2026-05-29 | $43.04 | 839,500 |
| 2026-05-28 | $42.91 | 584,300 |
| 2026-05-27 | $42.96 | 645,500 |
| 2026-05-26 | $43.39 | 805,200 |
| 2026-05-22 | $42.89 | 677,000 |
| 2026-05-21 | $42.73 | 522,400 |
| 2026-05-20 | $42.78 | 765,400 |
| 2026-05-19 | $41.90 | 746,800 |
| 2026-05-18 | $42.18 | 774,500 |
About United Bankshares, Inc.
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.
đ° Latest News
United Bankshares (UBSI): Buy, Sell, or Hold Post Q1 Earnings?
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Regional Banks Stocks Q1 Teardown: United Bankshares (NASDAQ:UBSI) Vs The Rest
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1 Small-Cap Stock on Our Buy List and 2 That Underwhelm
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Simply Wall St. âĸ 2026-05-26T11:31:52Z
Why United Bankshares (UBSI) is a Great Dividend Stock Right Now
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1 Stock Under $50 with Exciting Potential and 2 We Turn Down
StockStory âĸ 2026-05-19T10:04:55Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $1,235,124,000 | $1,029,654,000 | $1,047,454,000 | $1,039,955,000 |
| Operating Revenue | $1,235,124,000 | $1,029,654,000 | $1,047,454,000 | $1,039,955,000 |
| Expenses | ||||
| Interest Expense | $583,689,000 | $591,053,000 | $481,396,000 | $105,559,000 |
| General And Administrative Expense | $323,409,000 | $307,974,000 | $309,553,000 | $300,340,000 |
| Other Non Interest Expense | $189,738,000 | $156,178,000 | $166,786,000 | $170,561,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $464,603,000 | $372,996,000 | $366,313,000 | $379,627,000 |
| Net Interest Income | $1,102,164,000 | $911,068,000 | $919,924,000 | $896,431,000 |
| Interest Income | $1,685,853,000 | $1,502,121,000 | $1,401,320,000 | $1,001,990,000 |
| Normalized Income | $464,485,137 | $372,935,785 | $366,265,600 | $380,185,530 |
| Net Income From Continuing And Discontinued Operation | $464,603,000 | $372,996,000 | $366,313,000 | $379,627,000 |
| Net Income Common Stockholders | $463,569,000 | $372,162,000 | $365,434,000 | $379,627,000 |
| Net Income | $464,603,000 | $372,996,000 | $366,313,000 | $379,627,000 |
| Net Income Including Noncontrolling Interests | $464,603,000 | $372,996,000 | $366,313,000 | $379,627,000 |
| Net Income Continuous Operations | $464,603,000 | $372,996,000 | $366,313,000 | $379,627,000 |
| Pretax Income | $583,400,000 | $464,579,000 | $463,805,000 | $475,783,000 |
| Special Income Charges | - | - | $0 | $0 |
| Per Share | ||||
| Diluted EPS | $3.27 | $2.75 | $2.71 | $2.80 |
| Basic EPS | $3.28 | $2.76 | $2.72 | $2.81 |
| Other | ||||
| Tax Effect Of Unusual Items | $30,137 | $14,785 | $12,600 | $-141,470 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $148,000 | $75,000 | $60,000 | $-700,000 |
| Total Unusual Items Excluding Goodwill | $148,000 | $75,000 | $60,000 | $-700,000 |
| Reconciled Depreciation | $-13,051,000 | $10,396,000 | $23,106,000 | $23,670,000 |
| Diluted Average Shares | $141,827,360 | $135,225,417 | $134,753,820 | $135,117,512 |
| Basic Average Shares | $141,497,205 | $134,947,592 | $134,505,058 | $134,776,241 |
| Diluted NI Availto Com Stockholders | $463,569,000 | $372,162,000 | $365,434,000 | $379,627,000 |
| Otherunder Preferred Stock Dividend | $1,034,000 | $834,000 | $879,000 | - |
| Tax Provision | $118,797,000 | $91,583,000 | $97,492,000 | $96,156,000 |
| Gain On Sale Of Security | $11,170,000 | $-7,720,000 | $-7,646,000 | $776,000 |
| Selling General And Administration | $323,409,000 | $307,974,000 | $309,553,000 | $300,340,000 |
| Insurance And Claims | $17,022,000 | $19,735,000 | $30,376,000 | $11,988,000 |
| Salaries And Wages | $306,387,000 | $288,239,000 | $279,177,000 | $288,352,000 |
| Occupancy And Equipment | $84,711,000 | $75,770,000 | $76,157,000 | $74,449,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-15
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $3,477,135,000 | $3,104,334,000 | $2,877,797,000 | $2,606,282,000 |
| Total Assets | $33,660,281,000 | $30,023,545,000 | $29,926,482,000 | $29,489,380,000 |
| Goodwill And Other Intangible Assets | $2,018,848,000 | $1,888,889,000 | $1,893,443,000 | $1,909,911,000 |
| Receivables | $109,232,000 | $102,412,000 | $111,420,000 | $94,890,000 |
| Accounts Receivable | $109,232,000 | $102,412,000 | $111,420,000 | $94,890,000 |
| Cash And Cash Equivalents | $2,540,892,000 | $2,290,976,000 | $1,597,773,000 | $1,175,573,000 |
| Cash Financial | $247,613,000 | $240,655,000 | $257,153,000 | $294,155,000 |
| Cash Cash Equivalents And Federal Funds Sold | $2,542,250,000 | $2,292,244,000 | $1,598,943,000 | $1,176,652,000 |
| Other Intangible Assets | - | - | $4,554,000 | $21,022,000 |
| Debt | ||||
| Total Debt | $627,209,000 | $627,191,000 | $1,881,988,000 | $2,273,405,000 |
| Long Term Debt And Capital Lease Obligation | $627,209,000 | $627,191,000 | $1,881,988,000 | $2,273,405,000 |
| Long Term Debt | $531,817,000 | $540,420,000 | $1,789,103,000 | $2,197,656,000 |
| Net Debt | - | - | $191,330,000 | $1,022,083,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $28,164,298,000 | $25,030,322,000 | $25,155,242,000 | $24,973,187,000 |
| Payables And Accrued Expenses | - | - | $213,134,000 | $189,729,000 |
| Equity | ||||
| Common Stock Equity | $5,495,983,000 | $4,993,223,000 | $4,771,240,000 | $4,516,193,000 |
| Total Equity Gross Minority Interest | $5,495,983,000 | $4,993,223,000 | $4,771,240,000 | $4,516,193,000 |
| Stockholders Equity | $5,495,983,000 | $4,993,223,000 | $4,771,240,000 | $4,516,193,000 |
| Gains Losses Not Affecting Retained Earnings | $-138,927,000 | $-223,903,000 | $-259,681,000 | $-332,732,000 |
| Other Equity Adjustments | $-138,927,000 | $-223,903,000 | $-259,681,000 | $-332,732,000 |
| Retained Earnings | $2,170,327,000 | $1,917,726,000 | $1,745,619,000 | $1,575,426,000 |
| Other | ||||
| Treasury Shares Number | $10,976,752 | $7,348,188 | $7,308,583 | $7,266,438 |
| Ordinary Shares Number | $139,880,247 | $135,346,628 | $134,949,063 | $134,745,122 |
| Share Issued | $150,856,999 | $142,694,816 | $142,257,646 | $142,011,560 |
| Tangible Book Value | $3,477,135,000 | $3,104,334,000 | $2,877,797,000 | $2,606,282,000 |
| Invested Capital | $6,027,800,000 | $5,533,643,000 | $6,560,343,000 | $6,713,849,000 |
| Capital Lease Obligations | $95,392,000 | $86,771,000 | $92,885,000 | $75,749,000 |
| Total Capitalization | $6,027,800,000 | $5,533,643,000 | $6,560,343,000 | $6,713,849,000 |
| Treasury Stock | $381,428,000 | $253,491,000 | $252,106,000 | $250,404,000 |
| Additional Paid In Capital | $3,468,869,000 | $3,196,154,000 | $3,181,764,000 | $3,168,874,000 |
| Capital Stock | $377,142,000 | $356,737,000 | $355,644,000 | $355,029,000 |
| Common Stock | $377,142,000 | $356,737,000 | $355,644,000 | $355,029,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $95,392,000 | $86,771,000 | $92,885,000 | $75,749,000 |
| Long Term Provisions | $35,075,000 | $34,911,000 | $44,706,000 | $46,189,000 |
| Investments And Advances | $3,400,400,000 | $3,259,296,000 | $4,125,754,000 | $4,872,604,000 |
| Held To Maturity Securities | $1,004,000 | $1,002,000 | $1,003,000 | $1,002,000 |
| Available For Sale Securities | $3,101,203,000 | $298,575,000 | $338,374,000 | $329,677,000 |
| Goodwill | $2,018,848,000 | $1,888,889,000 | $1,888,889,000 | $1,888,889,000 |
| Net PPE | $298,143,000 | $267,873,000 | $277,506,000 | $270,305,000 |
| Accumulated Depreciation | $-264,495,000 | $-236,137,000 | $-238,093,000 | $-224,897,000 |
| Gross PPE | $562,638,000 | $504,010,000 | $515,599,000 | $495,202,000 |
| Leases | $45,727,000 | $43,971,000 | $42,752,000 | $42,309,000 |
| Other Properties | $89,312,000 | $81,742,000 | $86,986,000 | $71,144,000 |
| Machinery Furniture Equipment | $123,063,000 | $109,510,000 | $118,514,000 | $113,900,000 |
| Buildings And Improvements | $234,963,000 | $206,281,000 | $204,841,000 | $204,255,000 |
| Land And Improvements | $69,573,000 | $62,506,000 | $62,506,000 | $63,594,000 |
| Other Short Term Investments | $298,193,000 | $2,959,719,000 | $3,786,377,000 | $4,541,925,000 |
| Current Accrued Expenses | - | - | $213,134,000 | $189,729,000 |
Fetched: 2026-06-15
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $481,192,000 | $433,326,000 | $423,550,000 | $743,960,000 |
| Operating Activities | ||||
| Operating Cash Flow | $498,906,000 | $445,454,000 | $435,237,000 | $760,822,000 |
| Cash Flow From Continuing Operating Activities | $498,906,000 | $445,454,000 | $435,237,000 | $760,822,000 |
| Operating Gains Losses | $-22,897,000 | $-15,097,000 | $-26,035,000 | $-43,233,000 |
| Investing Activities | ||||
| Capital Expenditure | $-17,714,000 | $-12,128,000 | $-11,687,000 | $-16,862,000 |
| Investing Cash Flow | $-899,312,000 | $571,485,000 | $38,994,000 | $-3,447,656,000 |
| Cash Flow From Continuing Investing Activities | $-899,312,000 | $571,485,000 | $38,994,000 | $-3,447,656,000 |
| Net Other Investing Changes | $5,897,000 | $6,219,000 | $5,796,000 | $22,518,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-126,989,000 | $-1,040,000 | $-1,382,000 | $-79,460,000 |
| Financing Cash Flow | $650,412,000 | $-323,638,000 | $-51,940,000 | $105,316,000 |
| Cash Flow From Continuing Financing Activities | $650,412,000 | $-323,638,000 | $-51,940,000 | $105,316,000 |
| Cash Dividends Paid | $-209,002,000 | $-200,727,000 | $-194,727,000 | $-193,041,000 |
| Common Stock Dividend Paid | $-209,002,000 | $-200,727,000 | $-194,727,000 | $-193,041,000 |
| Net Common Stock Issuance | $-126,989,000 | $-1,040,000 | $-1,382,000 | $-79,460,000 |
| Other | ||||
| Repayment Of Debt | $-30,575,000 | $-1,500,000,000 | $-1,910,250,000 | $-520,000,000 |
| Issuance Of Debt | $0 | $250,000,000 | $1,500,000,000 | $1,900,000,000 |
| Interest Paid Supplemental Data | $581,620,000 | $590,635,000 | $468,123,000 | $98,161,000 |
| Income Tax Paid Supplemental Data | $114,463,000 | $86,221,000 | $105,460,000 | $93,680,000 |
| End Cash Position | $2,542,250,000 | $2,292,244,000 | $1,598,943,000 | $1,176,652,000 |
| Beginning Cash Position | $2,292,244,000 | $1,598,943,000 | $1,176,652,000 | $3,758,170,000 |
| Changes In Cash | $250,006,000 | $693,301,000 | $422,291,000 | $-2,581,518,000 |
| Proceeds From Stock Option Exercised | $751,000 | $5,274,000 | $1,750,000 | $10,295,000 |
| Common Stock Payments | $-126,989,000 | $-1,040,000 | $-1,382,000 | $-79,460,000 |
| Net Issuance Payments Of Debt | $-30,575,000 | $-1,250,000,000 | $-410,250,000 | $1,380,000,000 |
| Net Long Term Debt Issuance | $-30,575,000 | $-1,250,000,000 | $-410,250,000 | $1,380,000,000 |
| Long Term Debt Payments | $-30,575,000 | $-1,500,000,000 | $-1,910,250,000 | $-520,000,000 |
| Long Term Debt Issuance | $0 | $250,000,000 | $1,500,000,000 | $1,900,000,000 |
| Net Investment Purchase And Sale | $74,395,000 | $882,853,000 | $819,867,000 | $-1,087,154,000 |
| Sale Of Investment | $2,276,969,000 | $3,082,845,000 | $1,107,856,000 | $587,359,000 |
| Purchase Of Investment | $-2,202,574,000 | $-2,199,992,000 | $-287,989,000 | $-1,674,513,000 |
| Net Business Purchase And Sale | $77,476,000 | $0 | $0 | $0 |
| Sale Of Business | $77,476,000 | $0 | $0 | $0 |
| Net Intangibles Purchase And Sale | $0 | $12,489,000 | $23,450,000 | $0 |
| Sale Of Intangibles | $0 | $12,489,000 | $23,450,000 | $0 |
| Net PPE Purchase And Sale | $-16,270,000 | $-12,027,000 | $-9,145,000 | $-15,960,000 |
| Sale Of PPE | $1,444,000 | $101,000 | $2,542,000 | $902,000 |
| Purchase Of PPE | $-17,714,000 | $-12,128,000 | $-11,687,000 | $-16,862,000 |
| Change In Working Capital | $-36,745,000 | $13,657,000 | $-1,364,000 | $30,875,000 |
| Change In Other Current Assets | $-12,464,000 | $2,056,000 | $-3,618,000 | $57,380,000 |
| Change In Payables And Accrued Expense | $-17,461,000 | $2,593,000 | $18,784,000 | $3,865,000 |
| Change In Accrued Expense | $-17,461,000 | $2,593,000 | $18,784,000 | $3,865,000 |
| Change In Receivables | $-6,820,000 | $9,008,000 | $-16,530,000 | $-30,370,000 |
| Changes In Account Receivables | $-6,820,000 | $9,008,000 | $-16,530,000 | $-30,370,000 |
| Other Non Cash Items | $23,258,000 | $29,110,000 | $31,449,000 | $332,129,000 |
| Excess Tax Benefit From Stock Based Compensation | $83,000 | $258,000 | $128,000 | $1,040,000 |
| Stock Based Compensation | $13,089,000 | $12,130,000 | $12,463,000 | $9,881,000 |
| Asset Impairment Charge | $55,000 | $219,000 | $945,000 | $1,124,000 |
| Deferred Tax | $16,645,000 | $-3,368,000 | $-2,921,000 | $6,887,000 |
| Deferred Income Tax | $16,645,000 | $-3,368,000 | $-2,921,000 | $6,887,000 |
| Depreciation Amortization Depletion | $-13,051,000 | $10,396,000 | $23,106,000 | $23,670,000 |
| Depreciation And Amortization | $-13,051,000 | $10,396,000 | $23,106,000 | $23,670,000 |
| Amortization Cash Flow | $-29,864,000 | $-5,313,000 | $5,915,000 | $5,433,000 |
| Amortization Of Intangibles | $-29,864,000 | $-5,313,000 | $5,915,000 | $5,433,000 |
| Depreciation | $16,813,000 | $15,709,000 | $17,191,000 | $18,237,000 |
| Pension And Employee Benefit Expense | $-2,257,000 | $10,000 | $159,000 | $-1,640,000 |
| Gain Loss On Investment Securities | $-11,170,000 | $7,720,000 | $7,646,000 | $-776,000 |
| Gain Loss On Sale Of PPE | $97,000 | $-6,764,000 | $-7,961,000 | $457,000 |
| Net Income From Continuing Operations | $464,603,000 | $372,996,000 | $366,313,000 | $379,627,000 |
Fetched: 2026-06-15