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United Bankshares (UBSI)
NASDAQ:UBSI
Total Valuation
United Bankshares has a market cap or net worth of $5.13B. The enterprise value is $3.56B.
Market Cap$5.13B
Enterprise Value$3.56B
Share Statistics
United Bankshares has 141,647,230 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding141,647,230
Owned by Insiders2.10%
Owned by Institutions0.08%
Financial Efficiency
United Bankshares’s return on equity (ROE) is 0.07 and return on invested capital (ROIC) is 6.15%.
Return on Equity (ROE)0.07
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)6.15%
Return on Capital Employed (ROCE)0.08
Revenue Per Employee634.82K
Profits Per Employee146.10K
Employee Count2,553
Asset Turnover0.05
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of United Bankshares is 11.9. United Bankshares’s PEG ratio is 9.24.
PE Ratio11.9
PS Ratio3.13
PB Ratio1.01
Price to Fair Value1.01
Price to FCF11.69
Price to Operating Cash Flow11.08
PEG Ratio9.24
Income Statement
In the last 12 months, United Bankshares had revenue of 1.62B and earned 373.00M in profits. Earnings per share was 2.76.
Revenue1.62B
Gross Profit1.00B
Operating Income464.58M
Pretax Income464.58M
Net Income373.00M
EBITDA474.98M
Earnings Per Share (EPS)2.76
Cash Flow
In the last 12 months, operating cash flow was 496.27M and capital expenditures -2.80M, giving a free cash flow of 493.47M billion.
Operating Cash Flow496.27M
Free Cash Flow493.47M
Free Cash Flow per Share3.48
Dividends & Yields
United Bankshares pays an annual dividend of $0.37, resulting in a dividend yield of 4.05%
Dividend Per Share$0.37
Dividend Yield4.05%
Payout Ratio48.52%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.80
52-Week Price Change-11.63%
50-Day Moving Average36.77
200-Day Moving Average35.73
Relative Strength Index (RSI)52.84
Average Volume (3m)753.95K
Important Dates
United Bankshares upcoming earnings date is Jan 22, 2026, Before Open (Confirmed).
Last Earnings DateOct 23, 2025
Next Earnings DateJan 22, 2026
Ex-Dividend DateSep 12, 2025
Financial Position
United Bankshares as a current ratio of 0.11, with Debt / Equity ratio of 14.62%
Current Ratio0.11
Quick Ratio0.11
Debt to Market Cap0.14
Net Debt to EBITDA-3.13
Interest Coverage Ratio0.79
Taxes
In the past 12 months, United Bankshares has paid 91.58M in taxes.
Income Tax91.58M
Effective Tax Rate0.20
Enterprise Valuation
United Bankshares EV to EBITDA ratio is 7.54, with an EV/FCF ratio of 8.26.
EV to Sales2.21
EV to EBITDA7.54
EV to Free Cash Flow8.26
EV to Operating Cash Flow8.04
Balance Sheet
United Bankshares has $2.82B in cash and marketable securities with $796.33M in debt, giving a net cash position of $2.02B billion.
Cash & Marketable Securities$2.82B
Total Debt$796.33M
Net Cash$2.02B
Net Cash Per Share$14.28
Tangible Book Value Per Share$22.94
Margins
Gross margin is 63.82%, with operating margin of 28.67%, and net profit margin of 23.01%.
Gross Margin63.82%
Operating Margin28.67%
Pretax Margin28.67%
Net Profit Margin23.01%
EBITDA Margin29.31%
EBIT Margin28.67%
Analyst Forecast
The average price target for United Bankshares is $42.50, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$42.50
Price Target Upside16.28% Upside
Analyst ConsensusModerate Buy
Analyst Count1
Revenue Growth Forecast8.85%
EPS Growth Forecast15.56%