United Bankshares, Inc. (UBSI)

United Bankshares Statistics

Total Valuation

UBSI has a market cap or net worth of $5.04 billion. The enterprise value is $3.32 billion.

Market Cap	5.04B
Enterprise Value	3.32B

Important Dates

The last earnings date was Thursday, October 23, 2025, before market open.

Earnings Date	Oct 23, 2025
Ex-Dividend Date	Sep 12, 2025

Share Statistics

UBSI has 140.83 million shares outstanding. The number of shares has increased by 4.05% in one year.

Current Share Class	140.83M
Shares Outstanding	140.83M
Shares Change (YoY)	+4.05%
Shares Change (QoQ)	-0.34%
Owned by Insiders (%)	2.58%
Owned by Institutions (%)	73.56%
Float	137.14M

Valuation Ratios

The trailing PE ratio is 11.72 and the forward PE ratio is 10.65.

PE Ratio	11.72
Forward PE	10.65
PS Ratio	4.45
Forward PS	3.94
PB Ratio	0.93
P/TBV Ratio	1.49
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	7.73
EV / Sales	2.94
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 8.26%.

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	$168,174
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 -6.41% 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	-6.41%
50-Day Moving Average	37.07
200-Day Moving Average	36.30
Relative Strength Index (RSI)	45.80
Average Volume (20 Days)	819,307

Short Selling Information

The latest short interest is 3.25 million, so 2.31% of the outstanding shares have been sold short.

Short Interest	3.25M
Short Previous Month	3.28M
Short % of Shares Out	2.31%
Short % of Float	2.37%
Short Ratio (days to cover)	4.58

Income Statement

In the last 12 months, UBSI had revenue of $1.13 billion and earned $429.35 million in profits. Earnings per share was $3.05.

Revenue	1.13B
Gross Profit	1.13B
Operating Income	573.76M
Pretax Income	544.56M
Net Income	429.35M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.05

Balance 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 $12.23 per share.

Cash & Cash Equivalents	2.52B
Total Debt	796.33M
Net Cash	1.72B
Net Cash Per Share	$12.23
Equity (Book Value)	5.45B
Book Value Per Share	38.67
Working Capital	-24.50B

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	50.91%
Pretax Margin	48.32%
Profit Margin	38.17%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.48, which amounts to a dividend yield of 4.14%.

Dividend Per Share	$1.48
Dividend Yield	4.14%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	36
Payout Ratio	48.47%
Buyback Yield	-4.05%
Shareholder Yield	0.09%
Earnings Yield	8.52%
FCF Yield	n/a

Analyst Forecast

The average price target for UBSI is $41.83, which is 16.88% higher than the current price. The consensus rating is "Hold".

Price Target	$41.83
Price Target Difference	16.88%
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