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Home CompaniesUnited Bankshares Inc

United Bankshares Inc

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
48.005 USD -0.19 ( 0.39%)
Last update at 2026-11-12T15:51:00Z
VOLUME
81030
Market Cap
6519.13M
P/E
13.04

Momentum Score

…

United Bankshares, Inc., through its subsidiaries, provides commercial and retail banking products and services in the United States. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, and NOW accounts. Its loan products include commercial loans and leases to small to mid-size industrial and commercial companies, as well as automobile dealers, service, retail and wholesale merchants; construction and real estate loans, such as commercial and residential mortgages, and loans secured by owner-occupied real estate; personal, automobiles, boats, recreational vehicles, credit card receivables, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; trust, safe deposit boxes, wire transfers, and other banking products and services; investment and security services; buying and selling federal fund services; automated teller machine services; and internet and automated telephone banking services. Further, it offers community banking services, such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services, as well as custody of assets, investment management, escrow services, and related fiduciary activities. The company was incorporated in 1982 and is headquartered in Charleston, West Virginia.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
47.79
Low
48.36
High
52 Week Price Range
32.90
Low
49.22
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
48.20
Dividend Yield
3.17%
Revenue TTM
1250.50M
Revenue Per Share
8.95
Gross Profit TTM
1250.50M
Debt / Equity
0.17
ROE
9.47%
Net Debt
-1621.08M
ROCE
1.76%
Diluted EPS TTM
3.67

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 583.40M 464.58M 463.81M 480.25M 462.85M
Net income 464.60M 373.00M 366.31M 379.63M 367.74M
Selling general administrative 457.01M 307.97M 309.55M 300.34M 373.63M
Selling and marketing expenses - - 9.33M - -
Gross profit 1189.82M 1004.50M 1016.30M 1031.61M 1008.58M
Reconciled depreciation -13.05M 10.40M 23.11M 5.52M 5.91M
Ebit - 464.58M 463.81M 585.81M 462.85M
Ebitda 590.18M 474.98M 486.91M 591.33M 468.76M
Depreciation and amortization - 10.40M 23.11M 5.52M 5.91M
Operating income 590.18M 464.58M 463.81M 585.81M 462.85M
Other operating expenses 1230.42M 1156.13M 1065.05M -445.80M -545.73M
Interest expense 583.69M 591.05M 481.40M 105.56M 52.38M
Tax provision 118.80M 91.58M 99.29M 100.62M 95.11M
Interest income 1685.85M 1502.12M 1339.89M 1006.46M 795.12M
Net interest income 1102.16M 911.07M 939.64M 900.90M 742.73M
Income tax expense 118.80M 91.58M 97.49M 100.62M 95.11M
Total revenue 1820.60M 1620.71M 1528.85M 1031.61M 1008.58M
Total operating expenses 599.64M 539.92M 552.50M -445.80M -545.73M
Cost of revenue 630.78M 616.21M 512.55M - -
Total other income expense net -6.78M 15.70M 27.57M -105.56M -52.38M
Net income from continuing ops 464.60M 373.00M 386.69M 379.63M 367.74M
Net income applicable to common shares - - - 379.63M 367.74M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 33660.28M 30023.54M 29982.36M 29489.38M 29328.90M
Intangible assets 32.27M 8.87M 4.55M 39.92M 47.56M
Other current assets -3050.59M - 1712.98M -1.08M 14979.90M
Total liab 28164.30M 25030.32M 25211.12M 24973.19M 24610.27M
Total stockholder equity 5495.98M 4993.22M 4771.24M 4516.19M 4718.63M
Other current liab 6573.63M 23961.86M 18146.67M -84.95M -128.84M
Common stock 377.14M 356.74M 355.64M 355.03M 353.40M
Capital stock 377.14M 356.74M 355.64M 355.03M 353.40M
Retained earnings 2170.33M 1917.73M 1745.62M 1575.43M 1390.78M
Other liab - - - 46.19M 227.07M
Good will 2018.85M 1888.89M 1888.89M 1888.89M 1886.49M
Other assets 25822.76M 24564.00M - 21517.80M 15151.78M
Cash 2542.25M 2290.98M 1597.77M 1176.65M 3758.17M
Total current liabilities 198.57M 24137.95M 19859.07M 75.75M 128.84M
Net debt -1621.08M -1487.69M 480.31M 1257.45M -2725.23M
Short term debt 198.57M 176.09M 1712.41M 160.70M 128.84M
Short long term debt - - - 160.70M 128.84M
Short long term debt total 921.17M 803.28M 2078.08M 2434.10M 1032.94M
Other stockholder equity 3087.44M 2942.66M 2929.66M 2918.47M 2979.34M
Property plant equipment - - - 199.16M 81.94M
Total current assets 5601.70M 2654.85M 1712.98M 5812.39M 7865.38M
Long term investments 3400.40M 3259.30M 4125.75M 4872.60M 4295.75M
Net tangible assets - - - 2627.30M 2807.72M
Short term investments 3059.45M 261.46M 3786.38M 4541.93M 4042.70M
Net receivables 109.23M 102.41M 111.42M 94.89M 64.51M
Long term debt 531.82M 540.42M 1789.10M 2197.66M 817.39M
Inventory - - 1487.52M 2.05M 14.82M
Accounts payable - - - 189.73M 23350.26M
Accumulated other comprehensive income -138.93M -223.90M -259.68M -332.73M -4.89M
Common stock total equity - - - 355.03M 353.40M
Retained earnings total equity - - - 1575.43M 1390.78M
Treasury stock - - - -250.40M -170.62M
Non currrent assets other 95.39M 759.22M 24169.40M -4713.36M -6311.74M
Non current assets total 2235.82M 27368.70M 28269.38M 2159.19M 6311.74M
Capital lease obligations 95.39M 86.77M 92.89M 75.75M 86.70M
Long term debt total - - - 286.88M 285.19M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 74.39M 571.49M -340.39M -3358.97M 103.98M
Change to liabilities - - - 3.87M -12.96M
Total cashflows from investing activities -899.31M 571.49M - -3447.66M 15.65M
Net borrowings -30.57M -1250.00M - 1411.85M -138.00M
Total cash from financing activities 650.41M -323.64M -51.94M 105.32M 923.91M
Change to operating activities - - - 61.24M 29.75M
Net income 464.60M 373.00M 365.43M 379.63M 367.74M
Change in cash 250.01M 693.30M 422.29M -2581.52M 1549.10M
Begin period cash flow 2292.24M 1598.94M 1176.65M 3758.17M 2209.07M
End period cash flow 2542.25M 2292.24M 1598.94M 1176.65M 3758.17M
Total cash from operating activities 498.91M 445.45M 408.74M 760.82M 609.54M
Depreciation -13.05M 10.40M 22.31M 23.67M 7.91M
Other cashflows from investing activities -1035.47M -299.24M - -71.83M -72.94M
Dividends paid 209.00M 200.73M 194.73M 193.04M 181.28M
Change to account receivables -6.82M 9.01M -16.53M -30.37M 2.56M
Sale purchase of stock -126.99M -1.04M -1.38M -79.46M -11.21M
Other cashflows from financing activities 973.17M 1128.13M 554.42M 887.52M 1714.19M
Change to netincome - - - 322.35M 201.76M
Capital expenditures 17.71M 12.13M 11.69M 16.86M 15.38M
Change receivables - - - -30.37M 2.56M
Cash flows other operating - - - 53.55M 21.14M
Cash and cash equivalents changes - - - -2581.52M 1549.10M
Change in working capital -36.74M 13.66M -1.36M 30.88M 32.31M
Stock based compensation 13.09M 12.13M 12.46M 9.88M 8.02M
Other non cash items 71.05M 39.64M 12.82M 309.88M 190.55M
Free cash flow 481.19M 433.33M 397.05M 743.96M 594.16M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
UBSI
United Bankshares Inc		 -0.19
0.39%		 48.01 13.04 13.55 5.21 1.18 5.57
DBSDY
DBS Group Holdings Ltd ADR		 -0.76
0.34%		 219.92 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.62 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.28
0.82%		 34.49 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.46
0.49%		 92.86 11.53 10.27 5.72 1.83 8.22

Profile*

United Bankshares Inc

United Bankshares, Inc., through its subsidiaries, provides commercial and retail banking products and services in the United States. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, and NOW accounts. Its loan products include commercial loans and leases to small to mid-size industrial and commercial companies, as well as automobile dealers, service, retail and wholesale merchants; construction and real estate loans, such as commercial and residential mortgages, and loans secured by owner-occupied real estate; personal, automobiles, boats, recreational vehicles, credit card receivables, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; trust, safe deposit boxes, wire transfers, and other banking products and services; investment and security services; buying and selling federal fund services; automated teller machine services; and internet and automated telephone banking services. Further, it offers community banking services, such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services, as well as custody of assets, investment management, escrow services, and related fiduciary activities. The company was incorporated in 1982 and is headquartered in Charleston, West Virginia.

300 United Center, Charleston, WV, United States, 25301

304 424 8716

https://www.ubsi-inc.com

2740

Name Title Year Born
Mr. Richard M. Adams Sr. Exec. Chairman 1947
Mr. Richard Matthew Adams Jr., M.D. CEO & Director 1968
Mr. James J. Consagra Jr., CPA Pres 1961
Mr. W. Mark Tatterson Exec. VP, CFO & Treasurer 1975
Mr. Jerold L. Rexroad CPA, CPA Exec. VP & Director 1960
Mr. Matthew Lee Humphrey Head of Wealth & Investment Management NA
Mr. Darren K. Williams Exec. VP and Chief Information & Risk Officer 1972
Ross M. Draber Chief Admin. Officer NA
Mr. Douglas Bryon Ernest Exec. VP & Chief Credit Officer 1964
Charles J. Mildren Chief Consumer Banking Officer NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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