United Bankshares, Inc. (UBSI)

United Bankshares Statistics

Total Valuation

UBSI has a market cap or net worth of $4.91 billion. The enterprise value is $3.43 billion.

Market Cap	4.91B
Enterprise Value	3.43B

Important Dates

The next estimated earnings date is Thursday, April 24, 2025, before market open.

Earnings Date	Apr 24, 2025
Ex-Dividend Date	Mar 14, 2025

Share Statistics

UBSI has 142.90 million shares outstanding. The number of shares has increased by 0.35% in one year.

Current Share Class	142.90M
Shares Outstanding	142.90M
Shares Change (YoY)	+0.35%
Shares Change (QoQ)	+0.17%
Owned by Insiders (%)	2.17%
Owned by Institutions (%)	70.20%
Float	139.75M

Valuation Ratios

The trailing PE ratio is 12.48 and the forward PE ratio is 12.01.

PE Ratio	12.48
Forward PE	12.01
PS Ratio	4.60
Forward PS	4.12
PB Ratio	0.93
P/TBV Ratio	1.59
P/FCF Ratio	11.34
P/OCF Ratio	11.04
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	9.20
EV / Sales	3.39
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	7.91

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.85
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.64%.

Return on Equity (ROE)	7.64%
Return on Assets (ROA)	1.24%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$395,460
Profits Per Employee	$145,774
Employee Count	2,553
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, UBSI has paid $91.58 million in taxes.

Income Tax	91.58M
Effective Tax Rate	19.71%

Stock Price Statistics

The stock price has decreased by -2.74% in the last 52 weeks. The beta is 1.01, so UBSI's price volatility has been similar to the market average.

Beta (5Y)	1.01
52-Week Price Change	-2.74%
50-Day Moving Average	36.61
200-Day Moving Average	37.15
Relative Strength Index (RSI)	39.39
Average Volume (20 Days)	899,717

Short Selling Information

The latest short interest is 2.70 million, so 1.89% of the outstanding shares have been sold short.

Short Interest	2.70M
Short Previous Month	2.29M
Short % of Shares Out	1.89%
Short % of Float	1.93%
Short Ratio (days to cover)	3.08

Income Statement

In the last 12 months, UBSI had revenue of $1.01 billion and earned $372.16 million in profits. Earnings per share was $2.75.

Revenue	1.01B
Gross Profit	1.01B
Operating Income	484.82M
Pretax Income	448.74M
Net Income	372.16M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.75

Balance Sheet

The company has $2.29 billion in cash and $803.30 million in debt, giving a net cash position of $1.49 billion or $10.43 per share.

Cash & Cash Equivalents	2.29B
Total Debt	803.30M
Net Cash	1.49B
Net Cash Per Share	$10.43
Equity (Book Value)	4.99B
Book Value Per Share	36.98
Working Capital	-22.20B

Cash Flow

In the last 12 months, operating cash flow was $445.45 million and capital expenditures -$12.13 million, giving a free cash flow of $433.33 million.

Operating Cash Flow	445.45M
Capital Expenditures	-12.13M
Free Cash Flow	433.33M
FCF Per Share	$3.03

Margins

Gross Margin	n/a
Operating Margin	48.02%
Pretax Margin	46.02%
Profit Margin	36.94%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	42.92%

Dividends & Yields

This stock pays an annual dividend of $1.48, which amounts to a dividend yield of 4.31%.

Dividend Per Share	$1.48
Dividend Yield	4.31%
Dividend Growth (YoY)	1.37%
Years of Dividend Growth	10
Payout Ratio	53.82%
Buyback Yield	-0.35%
Shareholder Yield	3.95%
Earnings Yield	7.57%
FCF Yield	8.81%

Analyst Forecast

The average price target for UBSI is $41.38, which is 20.54% higher than the current price. The consensus rating is "Hold".

Price Target	$41.38
Price Target Difference	20.54%
Analyst Consensus	Hold
Analyst Count	4
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

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