United Bankshares Inc

Chart & Performance

D1W1MN

P/E

13.84

P/S

5.01

EPS

2.63

Div Yield, %

3.06%

Shrs. gr., 5y

5.88%

Rev. gr., 5y

7.06%

Revenues

1.03b

+0.55%

Net income

373m

+1.82%

CFO

217m

-47.00%

Dividend

Sep 13, 20240.37 USD/sh

Earnings

Jul 23, 2025

Profile

United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States. It operates through two segments, Community Banking and Mortgage Banking. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, NOW accounts, and interest-bearing checking accounts. Its loan products include commercial loans and leases; construction and real estate loans; personal, student, credit card, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; safe deposit boxes, wire transfers, and other banking products and services; investment and security services; services to correspondent banks, including buying and selling federal funds; automated teller machine services; and internet and 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 of December 31, 2021, the company operated 250 offices in Virginia, Maryland, Washington, D.C., North Carolina, South Carolina, Georgia, Pennsylvania, West Virginia, and Ohio. United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia.

URL

https://www.ubsi-inc.com/

IPO date

Sep 16, 1970

Employees

2,799

Domiciled in

Incorporated in

Valuation

Order:

Title USD in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title USD in thousands, except ratios and share amounts	2024‑12	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12
Income
Revenues	1,029,654 0.55%	1,024,029 -0.74%	1,031,613 2.28%
Cost of revenue	(164,493)	318,883	308,500
Unusual Expense (Income)
NOPBT	1,194,147	705,146	723,113
NOPBT Margin	115.98%	68.86%	70.10%
Operating Taxes	91,583	97,492	100,623
Tax Rate	7.67%	13.83%	13.92%
NOPAT	1,102,564	607,654	622,490
Net income	372,996 1.82%	366,313 -3.51%	379,627 3.23%
Dividends	(200,727)	(194,727)	(193,041)
Dividend yield	3.94%	3.85%	3.53%
Proceeds from repurchase of equity	(1,040)	(1,382)	(69,165)
BB yield	0.02%	0.03%	1.26%
Debt
Debt current	86,771		160,698
Long-term debt	86,771	1,974,873	2,349,154
Deferred revenue			(50,851)
Other long-term liabilities	24,943,551	23,060,798	22,624,033
Net debt	(3,026,832)	(6,194,411)	(8,081,329)
Cash flow
Cash from operating activities	216,626	408,740	760,822
CAPEX		(11,687)	(16,862)
Cash from investing activities	(8,874)	38,994	(3,447,656)
Cash from financing activities	(196,493)	(51,940)	105,316
FCF	941,549	561,517	647,884
Balance
Cash	3,200,374	4,043,530	5,718,577
Long term investments		4,125,754	4,872,604
Excess cash	3,148,891	8,118,083	10,539,600
Stockholders' equity	2,050,560	1,841,582	1,597,723
Invested Capital	28,059,756	27,992,015	27,925,755
ROIC	3.93%	2.17%	2.24%
ROCE	3.97%	2.36%	2.45%
EV
Common stock shares outstanding	135,505	134,754	135,118
Price	37.55 0.00%	37.55 -7.26%	40.49 11.60%
Market cap	5,088,209 0.56%	5,060,006 -7.51%	5,470,908 16.43%
EV	2,061,377	(1,134,405)	(2,610,421)
EBITDA	1,194,288	728,252	746,783
EV/EBITDA	1.73
Interest	591,053	481,396	105,559
Interest/NOPBT	49.50%	68.27%	14.60%