NASDAQ · Banks - Regional

United Bankshares, Inc. (UBSI) Stock

$45.44 -0.57% NASDAQ: UBSI Financial Services

Valuation

MetricValue
Price$45.44
Market Cap$6.26B
P/E Ratio12.72
P/B Ratio1.18
P/S Ratio3.57
EPS (TTM)$3.27
52-Week High$49.62
52-Week Low$34.10
Dividend Yield3.27%

Financials & Margins

MetricValue
ROE9.39%
ROA1.53%
ROCE1.82%
Gross Margin67.35%
Operating Margin34.83%
Net Margin28.59%
Debt/Equity0.14
Current Ratio28.15

Annual Financials (USD)

Metric20212022202320242025
Revenue$1.1B$1.1B$1.5B$1.6B$1.8B
Operating Profit$463.0M$476.0M$464.0M$465.0M$590.0M
Net Profit$368.0M$380.0M$366.0M$373.0M$465.0M
EPS$2.83$2.80$2.72$2.75$3.27
Op Margin43.7%41.5%30.3%28.7%32.4%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$29.3B$29.5B$29.9B$30.0B$33.7B
Total Liabilities$24.6B$25.0B$25.2B$25.0B$28.2B
Cash$3.8B$1.2B$1.6B$2.3B$2.5B
Borrowings$1.0B$2.4B$2.1B$803.0M$921.0M

Latest News

UBSI: Raising target price to $52.00 Argus Research · Jul 22, 2026 3 Stocks Under $50 That Fall Short StockStory · Jul 17, 2026 United Bankshares, Fulton Financial, Home Bancshares, First Busey, and Enterprise Financial Services Shares Skyrocket, What You Need To Know StockStory · Jul 16, 2026 1 Bank Stock to Research Further and 2 We Avoid StockStory · Jul 15, 2026 3 Russell 2000 Stocks with Open Questions StockStory · Jul 13, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$610.0M$761.0M$435.0M$445.0M$499.0M
Investing Cash Flow$0$-3.5B$27.0M$559.0M$-917.0M
Financing Cash Flow$1.2B$-1.1B$553.0M$1.1B$846.0M
Net Cash Flow$1.5B$-2.6B$422.0M$693.0M$250.0M
Free Cash Flow$594.0M$744.0M$424.0M$433.0M$481.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.44
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y28.90%
Return 3Y83.72%
Return 5Y69.94%

Ownership

Insiders Held2.19%
Institutions Held75.89%
Institutions Float Held77.59%
Institutional HolderSharesReport Date
Blackrock Inc.20,166,5382026-03-31
State Street Corporation7,974,2172026-03-31
Dimensional Fund Advisors LP7,661,3312026-03-31
Vanguard Portfolio Management LLC7,277,5382026-03-31
Vanguard Capital Management LLC6,344,8902026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AUBAtlantic Union Bankshares Corporation $37.80 -0.32% 11.59 $5.36B 3.81%
COLBColumbia Banking System, Inc. $28.36 -0.61% 11.50 $8.02B 5.12%
EBCEastern Bankshares, Inc. $20.95 -0.64% 12.20 $4.84B 2.79%
FNBF.N.B. Corporation $17.18 -0.55% 10.33 $6.12B 2.98%
HOMBHome BancShares, Inc. $28.30 -0.65% 11.77 $5.70B 3.20%

About United Bankshares, Inc.

United Bankshares, Inc. is led by CEO Richard Matthew Adams Jr., employs 2,694 people, headquartered in Charleston, US, publicly traded since 1987.

United Bankshares, Inc. (UBSI) stock trades at $45.44 with a market capitalization of $6.26B. The stock is valued at a price-to-earnings (P/E) ratio of 12.72, price-to-book of 1.18, price-to-sales of 3.57. Over the past 52 weeks the stock has ranged between $34.10 and $49.62, and currently trades 8.4% below its 52-week high. It pays a dividend yielding 3.27%.

On profitability, United Bankshares, Inc. generates a return on equity (ROE) of 9.39%, return on capital employed of 1.82%, an operating margin of 34.83%, a net profit margin of 28.59%.

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