United Bankshares, Inc. (UBSI)

NASDAQ: UBSI · USD

$48.0

-0.56 (-1.1%)· Recorded snapshot

Market cap	6.5B
Revenue (ttm)	1.3B
Net income (ttm)	512.1M
EPS (ttm)	$3.68
Shares out	134.6M
P/E (trailing)	13.0x
P/E (forward)	12.2x
Dividend	$1.52 (3.18%)
Volume	566,914
Beta	0.74

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 1.3B
Net income (ttm): 512.1M
EPS (ttm): $3.68
P/E (trailing): 13.0x
P/E (forward): 12.2x
Market cap: 6.5B

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	خرید قوی
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	خرید قوی
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	نگه‌داری

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E12.2

P25 n/aP50 n/aP75 n/a

Trailing P/E13

P25 n/aP50 n/aP75 n/a

ROE9.4

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All UBSI indicators

Market & fundamental data

Available fields

245

Groups with data

Currency

USD

Showing 245 of 245 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0000729986
Company name	United Bankshares, Inc.
Country	United States
Country code	US
CUSIP number	909907107
Earnings date	2026-10-22
Earnings time	bmo
Employees	2,694
Employees change	141
Employees growth	5.52%
Enterprise value	$5.4B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	December
Founded	1982
In index	RUSSELL2000
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US9099071071
Last 10-K release date	2026-02-27
Last earnings date	2026-10-22
Last refreshed	2026-10-28
Last stock split date	1998-03-30
Last stock split type	Forward
Market cap	$6.5B
Market cap category	Mid-Cap
Next earnings date	2027-01-21
Options	Yes
Price	$47.96
Price currency	USD
Sector	Financials
SIC code	6022
Stock price date	2026-10-28
Symbol	UBSI
U.S. state	West Virginia
Website	https://www.ubsi-inc.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	13x
Average P/E ratio (10Y)	14.88x
Average P/E ratio (3Y)	12.79x
Average P/E ratio (5Y)	12.72x
Earnings yield	7.67%
EV/Earnings	10.57x
EV/FCF	10.14x
EV/Sales	4.3x
FCF / EV yield	9.86%
FCF yield	8.25%
Forward EV/Sales	4.01x
Forward P/E	12.25x
Forward P/S	4.8x
Graham number	57.72618
Graham upside	20.01%
Industry forward P/E	9.97x
Industry P/E	11.81x
Lynch fair value	$21.57
Lynch upside	-55.15%
P/B ratio	1.21x
P/E ratio	13.03x
P/FCF ratio	12.12x
P/OCF ratio	11.65x
P/S ratio	5.14x
PEG ratio	1.78x
Price / tangible book value	1.92x
Sector forward P/E	13.61x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	20.1%
FCF margin	42.7%
Operating margin	51.84%
Pretax margin	51.04%
Profit margin	40.78%
Profit per employee	$190,080
Profitable quarters	126
Profitable years	33
Revenue per employee	$467,022
ROA	1.52%
ROA (5Y)	1.31%
ROE	9.45%
ROE (5Y)	8.15%
Tax / revenue	10.26%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	20.56%
EPS growth (Q)	2.17%
EPS growth (QoQ)	-1.05%
EPS growth 10Y	6.5%
EPS growth 3Y	8.77%
EPS growth 5Y	4.33%
EPS growth quarters	5
EPS growth years	2
FCF growth	16.89%
FCF growth 3Y	6.95%
FCF growth 5Y	5.86%
Net income growth	19.28%
Net income growth (Q)	-1.56%
Net income growth (QoQ)	-1.92%
Net income growth 3Y	9.9%
Net income growth 5Y	5.86%
Net income growth quarters	5
Net income growth years	2
OCF growth	18.4%
OCF growth 10Y	12.92%
OCF growth 3Y	6.97%
OCF growth 5Y	5.74%
Revenue growth	9.96%
Revenue growth (Q)	2.45%
Revenue growth (QoQ)	-0%
Revenue growth 10Y	10.69%
Revenue growth 3Y	6.73%
Revenue growth 5Y	3.32%
Revenue growth quarters	6
Revenue growth years	1

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-21.6M
EPS	$3.68
FCF per share	$3.97
Financing cash flow	$401.5M
Free cash flow	$533.9M
Gross profit	$1.3B
Income taxes	$129.1M
Investing cash flow	$-1.2B
Net borrowing	$-14.4M
Net cash flow	$-233.4M
Net income	$512.1M
Operating income	$652.2M
Revenue	$1.3B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$40.24
Debt / equity	0.15
Debt / FCF	1.54
Goodwill	$2B
Net cash (debt)	$1.1B
Net cash / market cap	16.34%
Net cash growth	-38.63%
Net debt / equity	-0.2
Net debt / FCF	-1.98
Piotroski F-Score	4
Property, plant and equipment	$99.2M
Shareholders' equity	$5.4B
Tangible book value	$3.4B
Tangible book value per share	$25.03
Total assets	$34.2B
Total cash	$1.9B
Total debt	$824.7M
Total liabilities	$28.8B
WACC	7.39%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-26B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	1.17%
Dividend growth	2.7%
Dividend growth (10Y)	1.42%
Dividend growth (3Y)	1.82%
Dividend growth (5Y)	1.66%
Dividend growth years	37
Dividend payment date	2026-10-01
Dividend payment years	43
Dividend payout frequency	Quarterly
Dividend per share	$1.52
Dividend yield	3.18%
Ex-dividend date	2026-09-11
FCF payout ratio	38.31%
Last dividend	$0.38
Payout ratio	41.29%
Shareholder yield	4.32%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	29.01%
10Y return CAGR	6.74%
10Y total return	91.98%
150-day SMA	$45.66
15Y price change	99.21%
15Y return CAGR	8.98%
15Y total return	263.49%
1D price change	-1.15%
1M price change	2.07%
1M total return	2.07%
1W price change	1.46%
1W total return	1.46%
1Y price change	30.83%
1Y return CAGR	35.64%
1Y total return	35.61%
20-day SMA	$46.81
200-day SMA	$44.72
20Y price change	24.92%
20Y return CAGR	5.42%
20Y total return	187.58%
3M price change	-0.23%
3M total return	0.58%
3Y price change	73.23%
3Y return CAGR	24.96%
3Y total return	95.18%
50-day SMA	$47.02
50-day SMA vs 200-day SMA	50over200
52-week high	$49.62
52-week high date	2026-08-04
52-week low	$34.68
52-week low date	2025-11-18
5Y price change	35.53%
5Y return CAGR	10.63%
5Y total return	65.7%
6M price change	8.78%
6M total return	10.59%
All-time high	$52.59
All-time high date	2008-09-19
All-time low	$4.50
All-time low date	1990-10-31
Average true range (ATR)	$0.86
Average volume	887.7K
Beta (1Y)	0.12
Beta (2Y)	0.66
Beta (5Y)	0.74
Change from 52-week high	-3.35%
Change from 52-week low	38.28%
Change from all-time high	-9.05%
Change from all-time low	962.89%
Change from open	-0.85%
Day's gap	-0.31%
Dollar volume	$27.2M
High price	$48.37
Low price	$47.71
Monthly RSI	65.06
Open price	$48.37
Position in 52-week range	37.88%
Previous close	$48.52
Price vs 150-day SMA	4.75%
Price vs 20-day SMA	2.19%
Price vs 200-day SMA	6.95%
Price vs 50-day SMA	1.73%
Relative volume	0.64
RSI	56.17
Sharpe ratio	1.39
Sharpe ratio (3Y)	0.89
Sharpe ratio (5Y)	0.33
Sortino ratio	2.44
Sortino ratio (3Y)	1.65
Sortino ratio (5Y)	0.71
Volume	566.9K
Weekly RSI	58.52
YTD price change	24.56%
YTD total return	27.87%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	130.9M
Float percentage	97.28%
Shares change (QoQ)	-1%
Shares change (YoY)	-1.17%
Shares held by insiders	2.69%
Shares held by institutions	77.28%
Shares outstanding	134.6M
Short % of float	5.03%
Short % of shares	4.9%
Short ratio	6 days

Deeper analysis on UBSI

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this UBSI report

Is a complete UBSI research report available?

No complete published report is available for United Bankshares, Inc. (UBSI) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

United Bankshares, Inc. (UBSI)

Price

Financial snapshot

Fair-value bridge

Latest news · UBSI

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All UBSI indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on UBSI

Frequently asked questions