United Bankshares, Inc. (UBSI)
NASDAQ: UBSI · Real-Time Price · USD
47.83
+0.24 (0.50%)
Sep 4, 2026, 4:00 PM EDT - Market closed
United Bankshares Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
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 |
Cash & Equivalents | 2,081 | 2,542 | 2,292 | 1,599 | 1,177 | 3,758 |
Investment Securities | 1,510 | 1,604 | 1,784 | 2,522 | 3,021 | 2,461 |
Trading Asset Securities | 1.2 | 0.79 | 1.26 | 1.85 | 5.55 | 10.94 |
Mortgage-Backed Securities | 2,141 | 1,793 | 1,472 | 1,600 | 1,849 | 1,828 |
Total Investments | 3,652 | 3,398 | 3,257 | 4,124 | 4,876 | 4,300 |
Gross Loans | 25,006 | 24,721 | 21,680 | 21,373 | 20,580 | 18,051 |
Allowance for Loan Losses | -299.5 | -297.52 | -271.84 | -259.24 | -234.75 | -216.02 |
Other Adjustments to Gross Loans | -11.71 | -11.5 | -7.01 | -14.1 | -22 | -27.66 |
Net Loans | 24,695 | 24,412 | 21,402 | 21,100 | 20,323 | 17,808 |
Property, Plant & Equipment | 304.06 | 298.14 | 267.87 | 277.51 | 270.31 | 279.16 |
Goodwill | 2,019 | 2,019 | 1,889 | 1,889 | 1,889 | 1,886 |
Other Intangible Assets | 28.59 | 8.87 | 8.87 | 12.51 | 18.9 | 24.41 |
Loans Held for Sale | 35.22 | 31.28 | 44.36 | 56.26 | 56.88 | 504.42 |
Accrued Interest Receivable | 99.66 | 109.23 | 102.41 | 111.42 | 94.89 | 64.51 |
Long-Term Deferred Tax Assets | - | 123.09 | 141.56 | 145 | 164.05 | 57.31 |
Other Real Estate Owned & Foreclosed | 10.21 | 8.86 | 0.33 | 2.62 | 2.05 | 14.82 |
Other Long-Term Assets | 826.78 | 710.54 | 618.2 | 609.42 | 617.41 | 631.69 |
Total Assets | 33,752 | 33,660 | 30,024 | 29,926 | 29,489 | 29,329 |
Liabilities
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 |
Accrued Expenses | 196.66 | 242.43 | 230.25 | 212.46 | 189.17 | 191.9 |
Interest Bearing Deposits | 16,975 | 17,123 | 15,417 | 14,409 | 13,939 | 14,253 |
Institutional Deposits | 3,464 | 3,365 | 2,410 | 2,261 | 1,165 | 1,601 |
Non-Interest Bearing Deposits | 6,732 | 6,574 | 6,135 | 6,149 | 7,200 | 7,497 |
Total Deposits | 27,171 | 27,061 | 23,962 | 22,819 | 22,303 | 23,350 |
Short-Term Borrowings | 167.07 | 198.64 | 176.11 | 196.77 | 161.26 | 132.57 |
Current Portion of Long-Term Debt | 250 | 250 | 260.2 | - | - | - |
Current Portion of Leases | 9.52 | 18.63 | - | - | - | - |
Long-Term Debt | - | - | - | - | 9.89 | 9.87 |
Federal Home Loan Bank Debt, Long-Term | - | - | - | 1,510 | 1,911 | 532.2 |
Long-Term Leases | 90.24 | 76.76 | 86.77 | 92.89 | 75.75 | 86.7 |
Trust Preferred Securities | 282.62 | 281.82 | 280.22 | 278.62 | 276.99 | 275.32 |
Other Long-Term Liabilities | 74.44 | 35.08 | 34.91 | 44.71 | 46.19 | 31.44 |
Total Liabilities | 28,241 | 28,164 | 25,030 | 25,155 | 24,973 | 24,610 |
Shareholders' Equity
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 |
Common Stock | 377.96 | 377.14 | 356.74 | 355.64 | 355.03 | 353.4 |
Additional Paid-In Capital | 3,475 | 3,469 | 3,196 | 3,182 | 3,169 | 3,150 |
Retained Earnings | 2,320 | 2,170 | 1,918 | 1,746 | 1,575 | 1,391 |
Treasury Stock | -519.07 | -381.43 | -253.49 | -252.11 | -250.4 | -170.62 |
Comprehensive Income & Other | -143.37 | -138.93 | -223.9 | -259.68 | -332.73 | -4.89 |
Shareholders' Equity | 5,511 | 5,496 | 4,993 | 4,771 | 4,516 | 4,719 |
Total Liabilities & Equity | 33,752 | 33,660 | 30,024 | 29,926 | 29,489 | 29,329 |
Additional Metrics
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 |
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 |
Filing Date Shares Outstanding | 135.89 | 139.09 | 142.9 | 134.62 | 134.37 | 136.14 |
Total Common Shares Outstanding | 136.62 | 139.55 | 135.04 | 134.62 | 134.37 | 136.01 |
Book Value Per Share | 40.33 | 39.38 | 36.98 | 35.44 | 33.61 | 34.69 |
Tangible Book Value | 3,463 | 3,468 | 3,095 | 2,870 | 2,608 | 2,808 |
Tangible Book Value Per Share | 25.35 | 24.85 | 22.92 | 21.32 | 19.41 | 20.64 |