United Bankshares, Inc. (UBSI)

United Bankshares Statistics

Total Valuation

UBSI has a market cap or net worth of $6.01 billion. The enterprise value is $4.29 billion.

Market Cap	6.01B
Enterprise Value	4.29B

Important Dates

The last earnings date was Thursday, January 22, 2026, before market open.

Earnings Date	Jan 22, 2026
Ex-Dividend Date	Mar 13, 2026

Share Statistics

UBSI has 139.55 million shares outstanding. The number of shares has increased by 4.88% in one year.

Current Share Class	139.55M
Shares Outstanding	139.55M
Shares Change (YoY)	+4.88%
Shares Change (QoQ)	-0.69%
Owned by Insiders (%)	2.33%
Owned by Institutions (%)	71.41%
Float	136.25M

Valuation Ratios

The trailing PE ratio is 13.18 and the forward PE ratio is 12.25.

PE Ratio	13.18
Forward PE	12.25
PS Ratio	5.00
Forward PS	4.56
PB Ratio	1.08
P/TBV Ratio	1.74
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	9.24
EV / Sales	3.57
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

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

Financial Efficiency

Return on equity (ROE) is 8.86%.

Return on Equity (ROE)	8.86%
Return on Assets (ROA)	1.46%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	7.49%
Revenue Per Employee	$438,742
Profits Per Employee	$169,563
Employee Count	2,740
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, UBSI has paid $118.80 million in taxes.

Income Tax	118.80M
Effective Tax Rate	20.36%

Stock Price Statistics

The stock price has increased by +21.43% in the last 52 weeks. The beta is 0.78, so UBSI's price volatility has been lower than the market average.

Beta (5Y)	0.78
52-Week Price Change	+21.43%
50-Day Moving Average	41.57
200-Day Moving Average	38.02
Relative Strength Index (RSI)	49.98
Average Volume (20 Days)	811,275

Short Selling Information

The latest short interest is 3.87 million, so 2.77% of the outstanding shares have been sold short.

Short Interest	3.87M
Short Previous Month	3.54M
Short % of Shares Out	2.77%
Short % of Float	2.84%
Short Ratio (days to cover)	3.98

Income Statement

In the last 12 months, UBSI had revenue of $1.20 billion and earned $464.60 million in profits. Earnings per share was $3.27.

Revenue	1.20B
Gross Profit	1.20B
Operating Income	641.83M
Pretax Income	583.40M
Net Income	464.60M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.27

Balance Sheet

The company has $2.54 billion in cash and $825.78 million in debt, with a net cash position of $1.72 billion or $12.30 per share.

Cash & Cash Equivalents	2.54B
Total Debt	825.78M
Net Cash	1.72B
Net Cash Per Share	$12.30
Equity (Book Value)	5.50B
Book Value Per Share	39.38
Working Capital	-24.68B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	53.39%
Pretax Margin	48.53%
Profit Margin	38.65%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.52, which amounts to a dividend yield of 3.53%.

Dividend Per Share	$1.52
Dividend Yield	3.53%
Dividend Growth (YoY)	0.68%
Years of Dividend Growth	37
Payout Ratio	45.57%
Buyback Yield	-4.88%
Shareholder Yield	-1.33%
Earnings Yield	7.73%
FCF Yield	n/a

Analyst Forecast

The average price target for UBSI is $43.17, which is 0.21% higher than the current price. The consensus rating is "Hold".

Price Target	$43.17
Price Target Difference	0.21%
Analyst Consensus	Hold
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair 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	2