United Bankshares Statistics
Total Valuation
UBSI has a market cap or net worth of $6.46 billion. The enterprise value is $5.40 billion.
| Market Cap | 6.46B |
| Enterprise Value | 5.40B |
Important Dates
The last earnings date was Thursday, October 22, 2026, before market open.
| Earnings Date | Oct 22, 2026 |
| Ex-Dividend Date | Sep 11, 2026 |
Share Statistics
UBSI has 134.21 million shares outstanding. The number of shares has decreased by -1.12% in one year.
| Current Share Class | 134.21M |
| Shares Outstanding | 134.21M |
| Shares Change (YoY) | -1.12% |
| Shares Change (QoQ) | -1.00% |
| Owned by Insiders (%) | 2.68% |
| Owned by Institutions (%) | 77.14% |
| Float | 130.55M |
Valuation Ratios
The trailing PE ratio is 13.08 and the forward PE ratio is 12.35. UBSI's PEG ratio is 1.76.
| PE Ratio | 13.08 |
| Forward PE | 12.35 |
| PS Ratio | 5.14 |
| Forward PS | 4.79 |
| PB Ratio | 1.20 |
| P/TBV Ratio | 1.92 |
| P/FCF Ratio | 11.75 |
| P/OCF Ratio | 11.28 |
| PEG Ratio | 1.76 |
Enterprise Valuation
| EV / Earnings | 10.55 |
| EV / Sales | 4.29 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 9.82 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.15 |
| Debt / EBITDA | n/a |
| Debt / FCF | 1.50 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 9.45%.
| Return on Equity (ROE) | 9.45% |
| Return on Assets (ROA) | 1.52% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 7.40% |
| Revenue Per Employee | $467,011 |
| Profits Per Employee | $190,176 |
| Employee Count | 2,694 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UBSI has paid $129.06 million in taxes.
| Income Tax | 129.06M |
| Effective Tax Rate | 20.10% |
Stock Price Statistics
The stock price has increased by +31.45% in the last 52 weeks. The beta is 0.74, so UBSI's price volatility has been lower than the market average.
| Beta (5Y) | 0.74 |
| 52-Week Price Change | +31.45% |
| 50-Day Moving Average | 47.28 |
| 200-Day Moving Average | 45.15 |
| Relative Strength Index (RSI) | 51.86 |
| Average Volume (20 Days) | 820,246 |
Short Selling Information
The latest short interest is 6.13 million, so 4.57% of the outstanding shares have been sold short.
| Short Interest | 6.13M |
| Short Previous Month | 6.80M |
| Short % of Shares Out | 4.57% |
| Short % of Float | 4.69% |
| Short Ratio (days to cover) | 6.76 |
Income Statement
In the last 12 months, UBSI had revenue of $1.26 billion and earned $512.33 million in profits. Earnings per share was $3.68.
| Revenue | 1.26B |
| Gross Profit | 1.26B |
| Operating Income | 660.74M |
| Pretax Income | 642.17M |
| Net Income | 512.33M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.68 |
Balance Sheet
The company has $1.88 billion in cash and $824.74 million in debt, with a net cash position of $1.06 billion or $7.89 per share.
| Cash & Cash Equivalents | 1.88B |
| Total Debt | 824.74M |
| Net Cash | 1.06B |
| Net Cash Per Share | $7.89 |
| Equity (Book Value) | 5.41B |
| Book Value Per Share | 40.23 |
| Working Capital | -26.37B |
Cash Flow
In the last 12 months, operating cash flow was $572.67 million and capital expenditures -$22.49 million, giving a free cash flow of $550.18 million.
| Operating Cash Flow | 572.67M |
| Capital Expenditures | -22.49M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 15.80M |
| Free Cash Flow | 550.18M |
| FCF Per Share | $4.10 |
Margins
| Gross Margin | n/a |
| Operating Margin | 52.52% |
| Pretax Margin | 51.04% |
| Profit Margin | 40.78% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 43.73% |
Dividends & Yields
This stock pays an annual dividend of $1.52, which amounts to a dividend yield of 3.16%.
| Dividend Per Share | $1.52 |
| Dividend Yield | 3.16% |
| Dividend Growth (YoY) | 2.70% |
| Years of Dividend Growth | 37 |
| Payout Ratio | 41.29% |
| FCF Payout Ratio | 37.08% |
| Buyback Yield | 1.12% |
| Shareholder Yield | 4.28% |
| Earnings Yield | 7.64% |
| FCF Yield | 8.51% |
Analyst Forecast
The average price target for UBSI is $51.67, which is 7.31% higher than the current price. The consensus rating is "Hold".
| Price Target | $51.67 |
| Price Target Difference | 7.31% |
| Analyst Consensus | Hold |
| Analyst Count | 6 |
| Revenue Growth Forecast (3Y) | 4.57% |
| EPS Growth Forecast (3Y) | 7.85% |
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 | |
| Graham Formula Value | |
| Graham Formula 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 |