United Bankshares Statistics
Total Valuation
UBSI has a market cap or net worth of $5.39 billion. The enterprise value is $3.88 billion.
Important Dates
The next estimated earnings date is Thursday, October 23, 2025, before market open.
| Earnings Date | Oct 23, 2025 |
| Ex-Dividend Date | Jun 13, 2025 |
Share Statistics
UBSI has 141.31 million shares outstanding. The number of shares has increased by 2.95% in one year.
| Current Share Class | 141.31M |
| Shares Outstanding | 141.31M |
| Shares Change (YoY) | +2.95% |
| Shares Change (QoQ) | -0.18% |
| Owned by Insiders (%) | 2.57% |
| Owned by Institutions (%) | 73.26% |
| Float | 137.62M |
Valuation Ratios
The trailing PE ratio is 13.42 and the forward PE ratio is 11.75.
| PE Ratio | 13.42 |
| Forward PE | 11.75 |
| PS Ratio | 4.94 |
| Forward PS | 4.31 |
| PB Ratio | 1.01 |
| P/TBV Ratio | 1.61 |
| P/FCF Ratio | 11.80 |
| P/OCF Ratio | 11.49 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 9.86 |
| EV / Sales | 3.63 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 8.50 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 1.77 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 7.72%.
| Return on Equity (ROE) | 7.72% |
| Return on Assets (ROA) | 1.26% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $419,547 |
| Profits Per Employee | $154,262 |
| Employee Count | 2,553 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UBSI has paid $105.29 million in taxes.
| Income Tax | 105.29M |
| Effective Tax Rate | 21.06% |
Stock Price Statistics
The stock price has decreased by -1.42% in the last 52 weeks. The beta is 0.81, so UBSI's price volatility has been lower than the market average.
| Beta (5Y) | 0.81 |
| 52-Week Price Change | -1.42% |
| 50-Day Moving Average | 36.70 |
| 200-Day Moving Average | 37.06 |
| Relative Strength Index (RSI) | 59.60 |
| Average Volume (20 Days) | 621,142 |
Short Selling Information
The latest short interest is 3.32 million, so 2.35% of the outstanding shares have been sold short.
| Short Interest | 3.32M |
| Short Previous Month | 3.95M |
| Short % of Shares Out | 2.35% |
| Short % of Float | 2.42% |
| Short Ratio (days to cover) | 3.79 |
Income Statement
In the last 12 months, UBSI had revenue of $1.07 billion and earned $393.83 million in profits. Earnings per share was $2.84.
| Revenue | 1.07B |
| Gross Profit | 1.07B |
| Operating Income | 530.69M |
| Pretax Income | 448.74M |
| Net Income | 393.83M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.84 |
Full Income StatementBalance Sheet
The company has $2.32 billion in cash and $809.28 million in debt, giving a net cash position of $1.51 billion or $10.66 per share.
| Cash & Cash Equivalents | 2.32B |
| Total Debt | 809.28M |
| Net Cash | 1.51B |
| Net Cash Per Share | $10.66 |
| Equity (Book Value) | 5.36B |
| Book Value Per Share | 37.89 |
| Working Capital | -24.49B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $469.24 million and capital expenditures -$12.44 million, giving a free cash flow of $456.80 million.
| Operating Cash Flow | 469.24M |
| Capital Expenditures | -12.44M |
| Free Cash Flow | 456.80M |
| FCF Per Share | $3.23 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 49.55% |
| Pretax Margin | 46.68% |
| Profit Margin | 36.85% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 42.65% |
Dividends & Yields
This stock pays an annual dividend of $1.48, which amounts to a dividend yield of 3.88%.
| Dividend Per Share | $1.48 |
| Dividend Yield | 3.88% |
| Dividend Growth (YoY) | 0.68% |
| Years of Dividend Growth | 36 |
| Payout Ratio | 52.09% |
| Buyback Yield | -2.95% |
| Shareholder Yield | 0.93% |
| Earnings Yield | 7.31% |
| FCF Yield | 8.48% |
Dividend DetailsAnalyst Forecast
The average price target for UBSI is $40.50, which is 6.19% higher than the current price. The consensus rating is "Hold".
| Price Target | $40.50 |
| Price Target Difference | 6.19% |
| Analyst Consensus | Hold |
| Analyst Count | 3 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair 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 | 4 |
