United Bankshares, Inc. (UBSI)

NASDAQ: UBSI · Real-Time Price · USD

47.22

+0.27 (0.58%)

Sep 11, 2026, 4:00 PM EDT - Market closed

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	1,250	1,202	1,010	1,024	1,031	1,045
Revenue Growth	14.91%	19.07%	-1.41%	-0.66%	-1.34%	11.39%
Net Income	514.23	463.57	372.16	365.43	378.62	366.7
Earnings Per Share	3.66	3.27	2.75	2.71	2.80	2.83
EPS Growth	29.33%	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	2,083	2,543	2,294	1,601	1,182	3,769
Total Debt	799.45	825.85	803.3	2,079	2,435	1,037
Net Cash (Debt)	1,283	1,717	1,490	-477.97	-1,252	2,732
Net Cash Growth	-14.85%	15.23%	-	-	-	135.47%
Net Cash Per Share	9.15	12.11	11.02	-3.55	-9.27	21.10

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
Profit Margin	41.12%	38.56%	36.86%	35.69%	36.73%	35.10%
FCF Margin	42.70%	40.03%	42.92%	41.36%	72.17%	56.87%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 14, 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	2.70%	0.68%	2.07%	0.69%	2.13%	0.71%
Dividend Yield	3.22%	3.98%	4.21%	4.30%	4.14%	4.70%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 14, 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	12.90	11.60	13.61	13.83	14.36	13.45
Forward PE	12.57	11.36	13.70	14.48	13.58	14.46
P/FCF Ratio	12.02	11.18	11.69	11.93	7.31	8.30
PS Ratio	5.13	4.47	5.02	4.94	5.27	4.72