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United Bankshares (UBSI)
NASDAQ:UBSI
US Market
UBSI
United Bankshares
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United Bankshares (UBSI) Ratios

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United Bankshares Ratios

UBSI's free cash flow for Q4 2025 was $0.69. For the 2025 fiscal year, UBSI's free cash flow was decreased by $ and operating cash flow was $0.36. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 33.20 28.21 0.11 0.24 0.26
Quick Ratio
 33.20 28.21 0.11 0.24 0.26
Cash Ratio
 13.87 12.80 0.09 0.07 0.05
Solvency Ratio
 0.02 0.02 0.02 0.02 0.02
Operating Cash Flow Ratio
 3.00 2.51 0.02 0.02 0.03
Short-Term Operating Cash Flow Coverage
 3.00 2.51 2.53 2.22 4.73
Net Current Asset Value
$ -22.70B$ -22.56B$ -22.38B$ -19.66B$ -19.16B
Leverage Ratios
Debt-to-Assets Ratio
 0.02 0.03 0.03 0.07 0.08
Debt-to-Equity Ratio
 0.14 0.17 0.16 0.44 0.54
Debt-to-Capital Ratio
 0.13 0.14 0.14 0.30 0.35
Long-Term Debt-to-Capital Ratio
 0.09 0.10 0.10 0.27 0.33
Financial Leverage Ratio
 6.14 6.12 6.01 6.27 6.53
Debt Service Coverage Ratio
 0.69 0.60 0.50 0.57 1.51
Interest Coverage Ratio
 1.11 1.01 0.79 0.96 4.51
Debt to Market Cap
 0.11 0.15 0.14 0.39 0.43
Interest Debt Per Share
 9.79 10.71 10.33 19.03 18.84
Net Debt to EBITDA
 -2.37 -2.75 -3.13 0.99 2.52
Profitability Margins
Gross Profit Margin
67.35%65.35%61.98%66.47%89.14%
EBIT Margin
34.83%32.42%28.67%30.34%41.53%
EBITDA Margin
34.83%32.42%29.31%31.85%43.60%
Operating Profit Margin
34.83%32.42%28.67%30.34%41.53%
Pretax Profit Margin
34.46%32.04%28.67%30.34%41.53%
Net Profit Margin
27.49%25.52%23.01%23.96%33.14%
Continuous Operations Profit Margin
27.49%25.52%23.01%23.96%33.14%
Net Income Per EBT
79.77%79.64%80.29%78.98%79.79%
EBT Per EBIT
98.94%98.85%100.00%100.00%100.00%
Return on Assets (ROA)
1.50%1.38%1.24%1.22%1.29%
Return on Equity (ROE)
9.26%8.45%7.47%7.68%8.41%
Return on Capital Employed (ROCE)
1.91%1.76%7.89%6.92%6.96%
Return on Invested Capital (ROIC)
6.58%6.00%6.15%5.31%5.43%
Return on Tangible Assets
1.59%1.47%1.33%1.31%1.38%
Earnings Yield
8.22%8.61%7.36%7.25%6.96%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 15.83 13.72 12.07
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 10.10 20.38 6.05 5.51 4.24
Asset Turnover
 0.05 0.05 0.05 0.05 0.04
Working Capital Turnover Ratio
 0.34 -0.23 -0.08 -0.09 -0.07
Cash Conversion Cycle
 0.00 0.00 23.06 26.60 30.24
Days of Sales Outstanding
 0.00 0.00 23.06 26.60 30.24
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 0.00 0.00 23.06 26.60 30.24
Cash Flow Ratios
Operating Cash Flow Per Share
 3.57 3.55 3.30 3.24 5.65
Free Cash Flow Per Share
 3.49 3.43 3.21 3.15 5.52
CapEx Per Share
 0.09 0.13 0.09 0.09 0.13
Free Cash Flow to Operating Cash Flow
 0.98 0.96 0.97 0.97 0.98
Dividend Paid and CapEx Coverage Ratio
 2.26 2.20 2.09 2.11 3.62
Capital Expenditure Coverage Ratio
 41.73 28.16 36.73 37.24 45.12
Operating Cash Flow Coverage Ratio
 0.63 0.54 0.55 0.21 0.31
Operating Cash Flow to Sales Ratio
 0.27 0.27 0.27 0.28 0.66
Free Cash Flow Yield
7.93%8.92%8.55%8.39%13.63%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 12.03 11.61 13.59 13.79 14.37
Price-to-Sales (P/S) Ratio
 3.31 2.96 3.13 3.30 4.76
Price-to-Book (P/B) Ratio
 1.11 0.98 1.01 1.06 1.21
Price-to-Free Cash Flow (P/FCF) Ratio
 12.47 11.21 11.69 11.92 7.34
Price-to-Operating Cash Flow Ratio
 12.17 10.81 11.38 11.60 7.17
Price-to-Earnings Growth (PEG) Ratio
 0.37 0.62 9.24 -4.30 -13.61
Price-to-Fair Value
 1.11 0.98 1.01 1.06 1.21
Enterprise Value Multiple
 7.14 6.39 7.54 11.36 13.45
Enterprise Value
 4.63B 3.77B 3.58B 5.53B 6.72B
EV to EBITDA
 7.24 6.39 7.54 11.36 13.45
EV to Sales
 2.52 2.07 2.21 3.62 5.86
EV to Free Cash Flow
 9.51 7.84 8.26 13.06 9.03
EV to Operating Cash Flow
 9.28 7.56 8.04 12.71 8.83
Tangible Book Value Per Share
 24.64 24.52 22.94 21.40 19.34
Shareholders’ Equity Per Share
 39.32 39.12 37.00 35.47 33.51
Tax and Other Ratios
Effective Tax Rate
 0.20 0.20 0.20 0.21 0.20
Revenue Per Share
 13.15 12.96 12.01 11.37 8.50
Net Income Per Share
 3.61 3.31 2.76 2.72 2.82
Tax Burden
 0.80 0.80 0.80 0.79 0.80
Interest Burden
 0.99 0.99 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.26 0.25 0.19 0.20 0.26
Stock-Based Compensation to Revenue
 0.00 0.00 <0.01 <0.01 <0.01
Income Quality
 3.88 1.07 1.19 1.19 2.00
Currency in USD