United Bankshares Statistics

Total Valuation

UBSI has a market cap or net worth of $5.27 billion. The enterprise value is $3.48 billion.

Market Cap	5.27B
Enterprise Value	3.48B

Important Dates

The last earnings date was Thursday, April 24, 2025, before market open.

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

Share Statistics

UBSI has 141.72 million shares outstanding. The number of shares has increased by 1.70% in one year.

Current Share Class	141.72M
Shares Outstanding	141.72M
Shares Change (YoY)	+1.70%
Shares Change (QoQ)	+5.13%
Owned by Insiders (%)	2.56%
Owned by Institutions (%)	70.51%
Float	138.04M

Valuation Ratios

The trailing PE ratio is 13.81 and the forward PE ratio is 11.95.

PE Ratio	13.81
Forward PE	11.95
PS Ratio	4.99
Forward PS	4.33
PB Ratio	1.00
P/TBV Ratio	1.60
P/FCF Ratio	12.27
P/OCF Ratio	11.96
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	9.42
EV / Sales	3.41
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	8.10

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.90
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.32%.

Return on Equity (ROE)	7.32%
Return on Assets (ROA)	1.18%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$399,982
Profits Per Employee	$144,798
Employee Count	2,553
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, UBSI has paid $92.81 million in taxes.

Income Tax	92.81M
Effective Tax Rate	20.03%

Stock Price Statistics

The stock price has increased by +6.99% in the last 52 weeks. The beta is 0.77, so UBSI's price volatility has been lower than the market average.

Beta (5Y)	0.77
52-Week Price Change	+6.99%
50-Day Moving Average	34.40
200-Day Moving Average	37.20
Relative Strength Index (RSI)	67.73
Average Volume (20 Days)	678,569

Short Selling Information

The latest short interest is 3.50 million, so 2.47% of the outstanding shares have been sold short.

Short Interest	3.50M
Short Previous Month	2.90M
Short % of Shares Out	2.47%
Short % of Float	2.54%
Short Ratio (days to cover)	3.24

Income Statement

In the last 12 months, UBSI had revenue of $1.02 billion and earned $369.67 million in profits. Earnings per share was $2.70.

Revenue	1.02B
Gross Profit	1.02B
Operating Income	494.22M
Pretax Income	448.74M
Net Income	369.67M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.70

Full Income Statement

Balance Sheet

The company has $2.61 billion in cash and $818.72 million in debt, giving a net cash position of $1.79 billion or $12.65 per share.

Cash & Cash Equivalents	2.61B
Total Debt	818.72M
Net Cash	1.79B
Net Cash Per Share	$12.65
Equity (Book Value)	5.31B
Book Value Per Share	37.28
Working Capital	-24.27B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $441.07 million and capital expenditures -$11.25 million, giving a free cash flow of $429.81 million.

Operating Cash Flow	441.07M
Capital Expenditures	-11.25M
Free Cash Flow	429.81M
FCF Per Share	$3.03

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	48.40%
Pretax Margin	45.37%
Profit Margin	36.28%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	42.09%

Dividends & Yields

This stock pays an annual dividend of $1.48, which amounts to a dividend yield of 3.98%.

Dividend Per Share	$1.48
Dividend Yield	3.98%
Dividend Growth (YoY)	1.37%
Years of Dividend Growth	10
Payout Ratio	54.91%
Buyback Yield	-1.70%
Shareholder Yield	2.27%
Earnings Yield	7.01%
FCF Yield	8.15%

Dividend Details

Analyst Forecast

The average price target for UBSI is $40.13, which is 7.82% higher than the current price. The consensus rating is "Hold".

Price Target	$40.13
Price Target Difference	7.82%
Analyst Consensus	Hold
Analyst Count	4
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

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