UBSI

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United Bankshares, Inc.

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Key Metrics

Previous Close: $47.69
52-Week Range: $34.10 – $49.62
Market Cap: $6.50B
P/E (TTM): 13.00
EPS (TTM): 3.67
Dividend Yield: 3.19%

Advanced Metrics

Price/Book: 1.21
PEG Ratio: 1.95
Return on Equity: 9.47%
Return on Assets: 1.55%
Gross Margin: 0.00%
Operating Margin: 53.08%
Profit Margin: 41.20%
Current Ratio: —
Debt/Equity: —
Total Debt: $799.45M
Free Cash Flow: —
Revenue Growth: 6.20%
Earnings Growth: 12.20%
Enterprise Value: $5.20B

UBSI Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$1.04B	$1.05B	$1.03B	$1.24B
Selling, General & Admin	$300.34M	$309.55M	$307.97M	$323.41M
Pretax Income	$475.78M	$463.81M	$464.58M	$583.40M
Income Tax	$96.16M	$97.49M	$91.58M	$118.80M
Net Income	$379.63M	$366.31M	$373.00M	$464.60M
Diluted EPS	2.80	2.71	2.75	3.27
Diluted Shares	135.12M	134.75M	135.23M	141.83M

UBSI Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$1.18B	$1.60B	$2.29B	$2.54B
Receivables	$94.89M	$111.42M	$102.41M	$109.23M
Total Assets	$29.49B	$29.93B	$30.02B	$33.66B
Long-Term Debt	$2.20B	$1.79B	$540.42M	$531.82M
Total Debt	$2.27B	$1.88B	$627.19M	$627.21M
Total Liabilities	$24.97B	$25.16B	$25.03B	$28.16B
Retained Earnings	$1.58B	$1.75B	$1.92B	$2.17B
Shareholders' Equity	$4.52B	$4.77B	$4.99B	$5.50B
Net Debt	$1.02B	$191.33M	—	—

UBSI Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$760.82M	$435.24M	$445.45M	$498.91M
Capital Expenditure	-$16.86M	-$11.69M	-$12.13M	-$17.71M
Free Cash Flow	$743.96M	$423.55M	$433.33M	$481.19M
Depreciation & Amortisation	$23.67M	$23.11M	$10.40M	-$13.05M
Stock-Based Compensation	$9.88M	$12.46M	$12.13M	$13.09M
Investing Cash Flow	-$3.45B	$38.99M	$571.49M	-$899.31M
Financing Cash Flow	$105.32M	-$51.94M	-$323.64M	$650.41M
Dividends Paid	-$193.04M	-$194.73M	-$200.73M	-$209.00M
Share Repurchases	-$79.46M	-$1.38M	-$1.04M	-$126.99M
Net Change in Cash	-$2.58B	$422.29M	$693.30M	$250.01M

UBSI Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$305.39M	$322.74M	$317.97M	$315.95M	—
Selling, General & Admin	$80.89M	$83.08M	$80.55M	$83.95M	—
Pretax Income	$152.09M	$164.48M	$159.90M	$155.99M	—
Income Tax	$31.37M	$33.73M	$31.07M	$31.79M	—
Net Income	$120.72M	$130.75M	$128.83M	$124.20M	—
Diluted EPS	0.85	0.92	0.91	0.89	0.95
Diluted Shares	142.44M	141.96M	140.98M	140.09M	138.42M

UBSI Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$2.61B	$2.31B	$2.52B	$2.54B	$2.30B
Receivables	$110.51M	$107.49M	$112.08M	$109.23M	$109.47M
Total Assets	$32.79B	$32.78B	$33.41B	$33.66B	$33.71B
Long-Term Debt	$550.62M	$551.02M	$531.42M	$531.82M	$532.22M
Total Debt	$642.54M	$647.92M	$627.32M	$627.21M	$626.14M
Total Liabilities	$27.47B	$27.42B	$27.96B	$28.16B	$28.22B
Retained Earnings	$1.95B	$2.02B	$2.09B	$2.17B	$2.24B
Shareholders' Equity	$5.31B	$5.36B	$5.45B	$5.50B	$5.49B

UBSI Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$119.98M	$89.36M	$150.64M	$138.92M	$160.86M
Capital Expenditure	-$3.90M	-$4.17M	-$4.22M	-$5.43M	-$4.84M
Free Cash Flow	$116.09M	$85.20M	$146.42M	$133.49M	$156.02M
Investing Cash Flow	-$18.67M	-$255.15M	-$402.77M	-$222.72M	-$304.11M
Financing Cash Flow	$216.63M	-$129.71M	$456.16M	$107.33M	-$93.96M
Dividends Paid	-$50.48M	-$53.33M	-$52.72M	-$52.48M	-$53.38M
Share Repurchases	-$20.35M	-$32.55M	-$26.50M	-$47.58M	-$70.26M
Net Change in Cash	$317.94M	-$295.49M	$204.03M	$23.53M	-$237.22M

Market Snapshot

About

United Bankshares, Inc. is a bank holding company that operates through its subsidiary, United Bank, providing commercial and retail banking services across the Mid-Atlantic and Southeastern United States. The company offers comprehensive financial services including lending, deposit products, wealth management, and insurance services. United Bankshares has grown through both organic expansion and strategic acquisitions.