United Bankshares Statistics
Total Valuation
UBSI has a market cap or net worth of $5.91 billion. The enterprise value is $4.19 billion.
| Market Cap | 5.91B |
| Enterprise Value | 4.19B |
Important Dates
The last earnings date was Thursday, January 22, 2026, before market open.
| Earnings Date | Jan 22, 2026 |
| Ex-Dividend Date | Dec 12, 2025 |
Share Statistics
UBSI has 139.55 million shares outstanding. The number of shares has increased by 4.05% in one year.
| Current Share Class | 139.55M |
| Shares Outstanding | 139.55M |
| Shares Change (YoY) | +4.05% |
| Shares Change (QoQ) | -0.69% |
| Owned by Insiders (%) | 2.31% |
| Owned by Institutions (%) | 72.18% |
| Float | 136.27M |
Valuation Ratios
The trailing PE ratio is 12.94 and the forward PE ratio is 11.99.
| PE Ratio | 12.94 |
| Forward PE | 11.99 |
| PS Ratio | 4.98 |
| Forward PS | 4.51 |
| PB Ratio | 1.07 |
| P/TBV Ratio | 1.71 |
| P/FCF Ratio | 12.28 |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 9.02 |
| EV / Sales | 3.49 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 8.71 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 1.72 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 8.86%.
| Return on Equity (ROE) | 8.86% |
| Return on Assets (ROA) | 1.46% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 7.57% |
| Revenue Per Employee | $438,742 |
| Profits Per Employee | $169,563 |
| Employee Count | 2,740 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UBSI has paid $118.80 million in taxes.
| Income Tax | 118.80M |
| Effective Tax Rate | 20.36% |
Stock Price Statistics
The stock price has increased by +10.49% in the last 52 weeks. The beta is 0.80, so UBSI's price volatility has been lower than the market average.
| Beta (5Y) | 0.80 |
| 52-Week Price Change | +10.49% |
| 50-Day Moving Average | 39.37 |
| 200-Day Moving Average | 37.19 |
| Relative Strength Index (RSI) | 64.10 |
| Average Volume (20 Days) | 1,010,738 |
Short Selling Information
The latest short interest is 3.54 million, so 2.54% of the outstanding shares have been sold short.
| Short Interest | 3.54M |
| Short Previous Month | 3.39M |
| Short % of Shares Out | 2.54% |
| Short % of Float | 2.60% |
| Short Ratio (days to cover) | 3.79 |
Income Statement
In the last 12 months, UBSI had revenue of $1.20 billion and earned $464.60 million in profits. Earnings per share was $3.27.
| Revenue | 1.20B |
| Gross Profit | 1.20B |
| Operating Income | 641.83M |
| Pretax Income | 583.40M |
| Net Income | 464.60M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.27 |
Balance Sheet
The company has $2.54 billion in cash and $825.78 million in debt, with a net cash position of $1.72 billion or $12.30 per share.
| Cash & Cash Equivalents | 2.54B |
| Total Debt | 825.78M |
| Net Cash | 1.72B |
| Net Cash Per Share | $12.30 |
| Equity (Book Value) | 5.50B |
| Book Value Per Share | 39.38 |
| Working Capital | -24.68B |
Cash Flow
| Operating Cash Flow | n/a |
| Capital Expenditures | n/a |
| Free Cash Flow | 481.18M |
| FCF Per Share | $3.45 |
Margins
| Gross Margin | n/a |
| Operating Margin | 53.39% |
| Pretax Margin | 48.53% |
| Profit Margin | 38.65% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 40.03% |
Dividends & Yields
This stock pays an annual dividend of $1.52, which amounts to a dividend yield of 3.59%.
| Dividend Per Share | $1.52 |
| Dividend Yield | 3.59% |
| Dividend Growth (YoY) | 0.68% |
| Years of Dividend Growth | 37 |
| Payout Ratio | 45.17% |
| Buyback Yield | -4.05% |
| Shareholder Yield | -0.46% |
| Earnings Yield | 7.87% |
| FCF Yield | 8.15% |
Analyst Forecast
The average price target for UBSI is $43.13, which is 1.89% higher than the current price. The consensus rating is "Hold".
| Price Target | $43.13 |
| Price Target Difference | 1.89% |
| 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 |