United Bankshares Statistics
Total Valuation
UBSI has a market cap or net worth of $5.34 billion. The enterprise value is $3.62 billion.
Important Dates
The next estimated earnings date is Friday, January 23, 2026, before market open.
| Earnings Date | Jan 23, 2026 |
| Ex-Dividend Date | Dec 12, 2025 |
Share Statistics
UBSI has 140.09 million shares outstanding. The number of shares has increased by 4.05% in one year.
| Current Share Class | 140.09M |
| Shares Outstanding | 140.09M |
| Shares Change (YoY) | +4.05% |
| Shares Change (QoQ) | -0.34% |
| Owned by Insiders (%) | 2.59% |
| Owned by Institutions (%) | 72.13% |
| Float | 136.41M |
Valuation Ratios
The trailing PE ratio is 12.49 and the forward PE ratio is 11.31.
| PE Ratio | 12.49 |
| Forward PE | 11.31 |
| PS Ratio | 4.75 |
| Forward PS | 4.14 |
| PB Ratio | 0.99 |
| P/TBV Ratio | 1.56 |
| P/FCF Ratio | 11.11 |
| P/OCF Ratio | 10.77 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 8.44 |
| EV / Sales | 3.21 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 7.53 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 1.65 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 8.26%.
| Return on Equity (ROE) | 8.26% |
| Return on Assets (ROA) | 1.36% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $441,470 |
| Profits Per Employee | $168,128 |
| Employee Count | 2,553 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UBSI has paid $114.38 million in taxes.
| Income Tax | 114.38M |
| Effective Tax Rate | 21.00% |
Stock Price Statistics
The stock price has decreased by -9.25% in the last 52 weeks. The beta is 0.82, so UBSI's price volatility has been lower than the market average.
| Beta (5Y) | 0.82 |
| 52-Week Price Change | -9.25% |
| 50-Day Moving Average | 36.51 |
| 200-Day Moving Average | 36.11 |
| Relative Strength Index (RSI) | 61.73 |
| Average Volume (20 Days) | 639,235 |
Short Selling Information
The latest short interest is 4.04 million, so 2.88% of the outstanding shares have been sold short.
| Short Interest | 4.04M |
| Short Previous Month | 4.00M |
| Short % of Shares Out | 2.88% |
| Short % of Float | 2.96% |
| Short Ratio (days to cover) | 5.31 |
Income Statement
In the last 12 months, UBSI had revenue of $1.13 billion and earned $429.23 million in profits. Earnings per share was $3.05.
| Revenue | 1.13B |
| Gross Profit | 1.13B |
| Operating Income | 564.03M |
| Pretax Income | 544.56M |
| Net Income | 429.23M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.05 |
Full Income StatementBalance Sheet
The company has $2.52 billion in cash and $796.33 million in debt, giving a net cash position of $1.72 billion or $12.30 per share.
| Cash & Cash Equivalents | 2.52B |
| Total Debt | 796.33M |
| Net Cash | 1.72B |
| Net Cash Per Share | $12.30 |
| Equity (Book Value) | 5.45B |
| Book Value Per Share | 38.67 |
| Working Capital | -24.86B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $496.27 million and capital expenditures -$15.08 million, giving a free cash flow of $481.18 million.
| Operating Cash Flow | 496.27M |
| Capital Expenditures | -15.08M |
| Free Cash Flow | 481.18M |
| FCF Per Share | $3.43 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 50.04% |
| Pretax Margin | 48.32% |
| Profit Margin | 38.17% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 42.69% |
Dividends & Yields
This stock pays an annual dividend of $1.48, which amounts to a dividend yield of 3.88%.
| Dividend Per Share | $1.48 |
| Dividend Yield | 3.88% |
| Dividend Growth (YoY) | 0.68% |
| Years of Dividend Growth | 36 |
| Payout Ratio | 48.80% |
| Buyback Yield | -4.05% |
| Shareholder Yield | -0.17% |
| Earnings Yield | 8.03% |
| FCF Yield | 9.00% |
Dividend DetailsAnalyst Forecast
The average price target for UBSI is $41.83, which is 9.65% higher than the current price. The consensus rating is "Hold".
| Price Target | $41.83 |
| Price Target Difference | 9.65% |
| Analyst Consensus | Hold |
| Analyst Count | 3 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
The last stock split was on March 30, 1998. It was a forward split with a ratio of 2:1.
| Last Split Date | Mar 30, 1998 |
| Split Type | Forward |
| Split Ratio | 2:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |
