United Bankshares, Inc. (UBSI)

Despegar.com Statistics

Total Valuation

UBSI has a market cap or net worth of $4.96 billion. The enterprise value is $3.45 billion.

Market Cap	4.96B
Enterprise Value	3.45B

Important Dates

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

Earnings Date	Jul 24, 2025
Ex-Dividend Date	Jun 13, 2025

Share Statistics

UBSI has 141.57 million shares outstanding. The number of shares has increased by 2.95% in one year.

Current Share Class	141.57M
Shares Outstanding	141.57M
Shares Change (YoY)	+2.95%
Shares Change (QoQ)	-0.18%
Owned by Insiders (%)	2.56%
Owned by Institutions (%)	70.70%
Float	137.89M

Valuation Ratios

The trailing PE ratio is 12.33 and the forward PE ratio is 10.80.

PE Ratio	12.33
Forward PE	10.80
PS Ratio	4.53
Forward PS	3.98
PB Ratio	0.92
P/TBV Ratio	1.50
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	8.77
EV / Sales	3.22
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 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	$154,277
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 -10.04% 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	-10.04%
50-Day Moving Average	36.52
200-Day Moving Average	37.12
Relative Strength Index (RSI)	35.96
Average Volume (20 Days)	874,239

Short Selling Information

The latest short interest is 3.95 million, so 2.79% of the outstanding shares have been sold short.

Short Interest	3.95M
Short Previous Month	4.42M
Short % of Shares Out	2.79%
Short % of Float	2.86%
Short Ratio (days to cover)	4.11

Income Statement

In the last 12 months, UBSI had revenue of $1.07 billion and earned $393.87 million in profits. Earnings per share was $2.84.

Revenue	1.07B
Gross Profit	1.07B
Operating Income	527.93M
Pretax Income	448.74M
Net Income	393.87M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.84

Balance Sheet

The company has $2.31 billion in cash and $808.72 million in debt, giving a net cash position of $1.51 billion or $10.64 per share.

Cash & Cash Equivalents	2.31B
Total Debt	808.72M
Net Cash	1.51B
Net Cash Per Share	$10.64
Equity (Book Value)	5.36B
Book Value Per Share	37.89
Working Capital	-24.14B

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	49.29%
Pretax Margin	46.68%
Profit Margin	36.85%
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 4.22%.

Dividend Per Share	$1.48
Dividend Yield	4.22%
Dividend Growth (YoY)	0.68%
Years of Dividend Growth	36
Payout Ratio	52.09%
Buyback Yield	-2.95%
Shareholder Yield	1.28%
Earnings Yield	7.94%
FCF Yield	n/a

Analyst Forecast

The average price target for UBSI is $40.13, which is 14.59% higher than the current price. The consensus rating is "Hold".

Price Target	$40.13
Price Target Difference	14.59%
Analyst Consensus	Hold
Analyst Count	4
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