United Bankshares, Inc. (UBSI)

NASDAQ: UBSI · Real-Time Price · USD

48.16

-0.16 (-0.33%)

Aug 10, 2026, 10:55 AM EDT - Market open

United Bankshares Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	1,248	1,183	1,010	1,024	1,031	1,045
Revenue Growth	16.64%	17.22%	-1.41%	-0.66%	-1.34%	11.39%
Net Income	515.15	464.6	373	366.31	379.63	367.74
Earnings Per Share	3.67	3.27	2.75	2.71	2.80	2.83
EPS Growth	29.68%	18.91%	1.48%	-3.21%	-1.06%	17.92%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	2,080	2,541	2,291	1,598	1,176	3,757
Total Debt	532.62	531.82	540.42	1,789	2,198	817.39
Net Cash (Debt)	1,547	2,009	1,751	-191.33	-1,022	2,940
Net Cash Growth	-12.20%	14.77%	-	-	-	118.76%
Net Cash Per Share	11.02	14.17	12.95	-1.42	-7.56	22.70

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	555.58	498.91	445.45	435.24	760.82	609.54
Capital Expenditures	-21.65	-17.71	-12.13	-11.69	-16.86	-15.38
Free Cash Flow	533.93	481.19	433.33	423.55	743.96	594.16
Free Cash Flow Growth	16.89%	11.05%	2.31%	-43.07%	25.21%	389.33%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Pretax Margin	51.45%	49.30%	46.02%	45.29%	46.15%	44.30%
Profit Margin	41.27%	39.26%	36.94%	35.77%	36.83%	35.20%
FCF Margin	42.77%	40.66%	42.92%	41.36%	72.17%	56.87%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 10, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	1.520	1.490	1.480	1.450	1.440	1.410
Dividend Per Share Growth	2.03%	0.68%	2.07%	0.69%	2.13%	0.71%
Dividend Yield	3.16%	3.85%	3.96%	3.86%	3.54%	3.87%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 10, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	13.15	11.74	13.65	13.86	14.46	12.82
Forward PE	12.82	11.36	13.70	14.48	13.58	14.46
P/FCF Ratio	12.60	11.01	11.73	11.96	7.33	8.33
PS Ratio	5.25	4.48	5.03	4.95	5.29	4.74