United Bankshares, Inc. (UBSI)

United Bankshares Statistics

Total Valuation

UBSI has a market cap or net worth of $6.09 billion. The enterprise value is $4.57 billion.

Market Cap	6.09B
Enterprise Value	4.57B

Important Dates

The last earnings date was Thursday, April 23, 2026, before market open.

Earnings Date	Apr 23, 2026
Ex-Dividend Date	Mar 13, 2026

Share Statistics

UBSI has 138.11 million shares outstanding. The number of shares has increased by 2.96% in one year.

Current Share Class	138.11M
Shares Outstanding	138.11M
Shares Change (YoY)	+2.96%
Shares Change (QoQ)	-0.63%
Owned by Insiders (%)	2.39%
Owned by Institutions (%)	72.90%
Float	134.75M

Valuation Ratios

The trailing PE ratio is 12.35 and the forward PE ratio is 12.11.

PE Ratio	12.35
Forward PE	12.11
PS Ratio	4.87
Forward PS	4.54
PB Ratio	1.11
P/TBV Ratio	1.77
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	9.08
EV / Sales	3.66
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 9.34%.

Return on Equity (ROE)	9.34%
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)	7.41%
Revenue Per Employee	$454,885
Profits Per Employee	$183,144
Employee Count	2,749
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, UBSI has paid $127.96 million in taxes.

Income Tax	127.96M
Effective Tax Rate	20.23%

Stock Price Statistics

The stock price has increased by +29.36% in the last 52 weeks. The beta is 0.75, so UBSI's price volatility has been lower than the market average.

Beta (5Y)	0.75
52-Week Price Change	+29.36%
50-Day Moving Average	42.02
200-Day Moving Average	39.14
Relative Strength Index (RSI)	60.26
Average Volume (20 Days)	863,818

Short Selling Information

The latest short interest is 4.95 million, so 3.58% of the outstanding shares have been sold short.

Short Interest	4.95M
Short Previous Month	4.85M
Short % of Shares Out	3.58%
Short % of Float	3.67%
Short Ratio (days to cover)	4.47

Income Statement

In the last 12 months, UBSI had revenue of $1.25 billion and earned $503.46 million in profits. Earnings per share was $3.57.

Revenue	1.25B
Gross Profit	1.25B
Operating Income	662.96M
Pretax Income	632.46M
Net Income	503.46M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.57

Balance Sheet

The company has $2.31 billion in cash and $792.31 million in debt, with a net cash position of $1.51 billion or $10.95 per share.

Cash & Cash Equivalents	2.31B
Total Debt	792.31M
Net Cash	1.51B
Net Cash Per Share	$10.95
Equity (Book Value)	5.49B
Book Value Per Share	39.74
Working Capital	-24.94B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	53.02%
Pretax Margin	50.58%
Profit Margin	40.34%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.52, which amounts to a dividend yield of 3.45%.

Dividend Per Share	$1.52
Dividend Yield	3.45%
Dividend Growth (YoY)	1.35%
Years of Dividend Growth	37
Payout Ratio	41.99%
Buyback Yield	-2.96%
Shareholder Yield	0.50%
Earnings Yield	8.27%
FCF Yield	n/a

Analyst Forecast

The average price target for UBSI is $43.17, which is -2.11% lower than the current price. The consensus rating is "Hold".

Price Target	$43.17
Price Target Difference	-2.11%
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	2