United Bankshares Statistics
Total Valuation
UBSI has a market cap or net worth of $5.48 billion. The enterprise value is $3.76 billion.
| Market Cap | 5.48B |
| Enterprise Value | 3.76B |
Important Dates
The next estimated earnings date is Thursday, April 23, 2026, before market open.
| Earnings Date | Apr 23, 2026 |
| Ex-Dividend Date | Mar 13, 2026 |
Share Statistics
UBSI has 139.42 million shares outstanding. The number of shares has increased by 4.88% in one year.
| Current Share Class | 139.09M |
| Shares Outstanding | 139.42M |
| Shares Change (YoY) | +4.88% |
| Shares Change (QoQ) | -0.69% |
| Owned by Insiders (%) | 2.37% |
| Owned by Institutions (%) | 71.67% |
| Float | 135.74M |
Valuation Ratios
The trailing PE ratio is 12.02 and the forward PE ratio is 11.17.
| PE Ratio | 12.02 |
| Forward PE | 11.17 |
| PS Ratio | 4.56 |
| Forward PS | 4.16 |
| PB Ratio | 1.00 |
| P/TBV Ratio | 1.58 |
| P/FCF Ratio | 11.39 |
| P/OCF Ratio | 10.98 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 8.12 |
| EV / Sales | 3.13 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 7.82 |
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) | 7.39% |
| Revenue Per Employee | $446,244 |
| Profits Per Employee | $172,075 |
| Employee Count | 2,694 |
| 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 +13.95% in the last 52 weeks. The beta is 0.77, so UBSI's price volatility has been lower than the market average.
| Beta (5Y) | 0.77 |
| 52-Week Price Change | +13.95% |
| 50-Day Moving Average | 41.88 |
| 200-Day Moving Average | 38.28 |
| Relative Strength Index (RSI) | 32.39 |
| Average Volume (20 Days) | 887,307 |
Short Selling Information
The latest short interest is 4.23 million, so 3.03% of the outstanding shares have been sold short.
| Short Interest | 4.23M |
| Short Previous Month | 4.12M |
| Short % of Shares Out | 3.03% |
| Short % of Float | 3.11% |
| Short Ratio (days to cover) | 5.03 |
Income Statement
In the last 12 months, UBSI had revenue of $1.20 billion and earned $463.57 million in profits. Earnings per share was $3.27.
| Revenue | 1.20B |
| Gross Profit | 1.20B |
| Operating Income | 625.50M |
| Pretax Income | 583.40M |
| Net Income | 463.57M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.27 |
Balance Sheet
The company has $2.54 billion in cash and $825.85 million in debt, with a net cash position of $1.72 billion or $12.32 per share.
| Cash & Cash Equivalents | 2.54B |
| Total Debt | 825.85M |
| Net Cash | 1.72B |
| Net Cash Per Share | $12.32 |
| Equity (Book Value) | 5.50B |
| Book Value Per Share | 39.38 |
| Working Capital | -25.08B |
Cash Flow
In the last 12 months, operating cash flow was $498.91 million and capital expenditures -$17.71 million, giving a free cash flow of $481.19 million.
| Operating Cash Flow | 498.91M |
| Capital Expenditures | -17.71M |
| Free Cash Flow | 481.19M |
| FCF Per Share | $3.45 |
Margins
| Gross Margin | n/a |
| Operating Margin | 52.03% |
| 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 3.87%.
| Dividend Per Share | $1.52 |
| Dividend Yield | 3.87% |
| Dividend Growth (YoY) | 1.35% |
| Years of Dividend Growth | 37 |
| Payout Ratio | 45.87% |
| Buyback Yield | -4.88% |
| Shareholder Yield | -1.01% |
| Earnings Yield | 8.46% |
| FCF Yield | 8.78% |
Analyst Forecast
The average price target for UBSI is $43.17, which is 9.85% higher than the current price. The consensus rating is "Hold".
| Price Target | $43.17 |
| Price Target Difference | 9.85% |
| 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 | 4 |