Symbols / UBSI Stock $43.33 -1.75% United Bankshares, Inc.

Financial Services • Banks - Regional • United States • NMS
UBSI (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Richard Matthew Adams Jr., M.D.
Exch · Country NMS · United States
Market Cap 5.97B
Enterprise Value 4.47B
Income 503.46M
Sales 1.25B
FCF (ttm) —
Book/sh 39.38
Cash/sh 16.69
Employees 2,749
Insider 10d —
IPO Jun 04, 1987
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 42.02%
P/E 12.14
Forward P/E 11.42
PEG 1.95
P/S 4.77
P/B 1.10
P/C —
EV/EBITDA —
EV/Sales 3.58
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 3.57
EPS next Y 3.79
EPS Growth 50.80%
Revenue Growth 18.50%
EPS Gr Q/Q 47.30%
Rev Gr Q/Q —
Earnings (next) 2026-07-23
Earnings (prior) 2026-04-23
ROA 1.52%
ROE 9.34%
ROIC —
Gross Margin 0.00%
Oper. Margin 52.71%
Profit Margin 40.34%
Shs Outstand 137.80M
Shs Float 134.75M
Insider Own 2.18%
Instit Own 73.53%
Short Float 3.68%
Short Ratio 4.47
Short Interest 4.95M
52W High 45.93
vs 52W High -5.66%
52W Low 33.87
vs 52W Low 27.93%
Beta 0.75
Impl. Vol. 40.50%
Rel Volume 0.70
Avg Volume 940.19K
Volume 657.64K
Target (mean) $47.40
Tgt Median $47.00
Tgt Low $45.00
Tgt High $50.00
# Analysts 5
Recom Hold
Prev Close $44.10
Price $43.33
Change -1.75%
About

United Bankshares, Inc., through its subsidiaries, provides commercial and retail banking products and services in the United States. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, and NOW accounts. Its loan products include commercial loans and leases to small to mid-size industrial and commercial companies, as well as automobile dealers, service, retail and wholesale merchants; construction and real estate loans, such as commercial and residential mortgages, and loans secured by owner-occupied real estate; personal, automobiles, boats, recreational vehicles, credit card receivables, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; trust, safe deposit boxes, wire transfers, and other banking products and services; investment and security services; buying and selling federal fund services; automated teller machine services; and internet and automated 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 well as custody of assets, investment management, escrow services, and related fiduciary activities. The company was incorporated in 1982 and is headquartered in Charleston, West Virginia.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$47.40
Mean price target
2. Current target
$43.33
Latest analyst target
3. DCF / Fair value
$53.55
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$43.33
Low
$45.00
High
$50.00
Mean
$47.40

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-01-26 main Keefe, Bruyette & Woods Market Perform → Market Perform $43
2026-01-23 main Stephens & Co. Equal-Weight → Equal-Weight $44
2025-10-24 up Piper Sandler Neutral → Overweight $43
2025-04-28 main Keefe, Bruyette & Woods Market Perform → Market Perform $40
2025-01-27 main Keefe, Bruyette & Woods Market Perform → Market Perform $45
2025-01-27 reit Stephens & Co. Equal-Weight → Equal-Weight $43
2024-07-26 main Stephens & Co. Equal-Weight → Equal-Weight $39
2024-07-26 main DA Davidson Neutral → Neutral $41
2024-07-26 main Keefe, Bruyette & Woods Market Perform → Market Perform $40
2024-06-17 main Keefe, Bruyette & Woods Market Perform → Market Perform $38
2024-05-03 main Keefe, Bruyette & Woods Market Perform → Market Perform $38
2024-04-26 main Stephens & Co. Equal-Weight → Equal-Weight $34
2024-01-05 main Raymond James Outperform → Outperform $41
2023-07-31 main Piper Sandler Neutral → Neutral $35
2023-05-01 main Piper Sandler — → Neutral $36
2023-04-28 main Keefe, Bruyette & Woods — → Market Perform $34
2023-04-27 main Raymond James — → Outperform $38
2023-04-06 main Raymond James — → Outperform $42
2023-04-06 main Keefe, Bruyette & Woods — → Market Perform $36
2023-04-04 init Stephens & Co. — → Equal-Weight $32
News
RSS: Latest UBSI news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-02-23 ADAMS RICHARD M. JR. Chief Executive Officer — 17,087 $0.00 $0
2026-02-23 WILLIAMS DARREN K. Officer — 4,252 $0.00 $0
2026-02-23 TATTERSON WILLIAM MARK Officer — 9,250 $0.00 $0
2026-02-23 ERNEST DOUGLAS BRYAN Officer — 3,752 $0.00 $0
2026-02-23 DRABER ROSS M Officer — 3,700 $0.00 $0
2026-02-23 ADAMS RICHARD M SR Officer and Director — 16,008 $0.00 $0
2026-02-23 CONSAGRA JAMES J JR Chief Operating Officer — 13,978 $0.00 $0
2026-02-19 ADAMS RICHARD M. JR. Chief Executive Officer — 26,209 $0.00 $0
2026-02-19 KAYES HENRY M JR Officer — 5,446 $0.00 $0
2026-02-19 SMALL ALBERT H JR. Director — 1,588 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
1,235.12
+19.96%
1,029.65
-1.70%
1,047.45
+0.72%
1,039.95
Operating Revenue
1,235.12
+19.96%
1,029.65
-1.70%
1,047.45
+0.72%
1,039.95
Selling General And Administration
323.41
+5.01%
307.97
-0.51%
309.55
+3.07%
300.34
General And Administrative Expense
323.41
+5.01%
307.97
-0.51%
309.55
+3.07%
300.34
Salaries And Wages
306.39
+6.30%
288.24
+3.25%
279.18
-3.18%
288.35
Other Gand A
—
—
—
—
Reconciled Depreciation
-13.05
-225.54%
10.40
-55.01%
23.11
-2.38%
23.67
Total Unusual Items
0.15
+97.33%
0.07
+25.00%
0.06
+108.57%
-0.70
Total Unusual Items Excluding Goodwill
0.15
+97.33%
0.07
+25.00%
0.06
+108.57%
-0.70
Special Income Charges
—
—
0.00
0.00
Net Income
464.60
+24.56%
373.00
+1.82%
366.31
-3.51%
379.63
Pretax Income
583.40
+25.58%
464.58
+0.17%
463.81
-2.52%
475.78
Net Interest Income
1,102.16
+20.97%
911.07
-0.96%
919.92
+2.62%
896.43
Interest Expense
583.69
-1.25%
591.05
+22.78%
481.40
+356.04%
105.56
Interest Income
1,685.85
+12.23%
1,502.12
+7.19%
1,401.32
+39.85%
1,001.99
Gain On Sale Of Security
11.17
+244.69%
-7.72
-0.97%
-7.65
-1085.31%
0.78
Tax Provision
118.80
+29.72%
91.58
-6.06%
97.49
+1.39%
96.16
Tax Rate For Calcs
0.00
+3.30%
0.00
-6.13%
0.00
+3.91%
0.00
Tax Effect Of Unusual Items
0.03
+103.84%
0.01
+17.34%
0.01
+108.91%
-0.14
Net Income Including Noncontrolling Interests
464.60
+24.56%
373.00
+1.82%
366.31
-3.51%
379.63
Net Income From Continuing Operation Net Minority Interest
464.60
+24.56%
373.00
+1.82%
366.31
-3.51%
379.63
Net Income From Continuing And Discontinued Operation
464.60
+24.56%
373.00
+1.82%
366.31
-3.51%
379.63
Net Income Continuous Operations
464.60
+24.56%
373.00
+1.82%
366.31
-3.51%
379.63
Normalized Income
464.49
+24.55%
372.94
+1.82%
366.27
-3.66%
380.19
Net Income Common Stockholders
463.57
+24.56%
372.16
+1.84%
365.43
-3.74%
379.63
Otherunder Preferred Stock Dividend
1.03
+23.98%
0.83
-5.12%
0.88
—
Diluted EPS
—
2.75
+1.48%
2.71
-3.21%
2.80
Basic EPS
—
2.76
+1.47%
2.72
-3.20%
2.81
Basic Average Shares
—
134.95
+0.33%
134.51
-0.20%
134.78
Diluted Average Shares
—
135.23
+0.35%
134.75
-0.27%
135.12
Diluted NI Availto Com Stockholders
463.57
+24.56%
372.16
+1.84%
365.43
-3.74%
379.63
Insurance And Claims
17.02
-13.75%
19.73
-35.03%
30.38
+153.39%
11.99
Occupancy And Equipment
84.71
+11.80%
75.77
-0.51%
76.16
+2.29%
74.45
Other Non Interest Expense
189.74
+21.49%
156.18
-6.36%
166.79
-2.21%
170.56
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
33,660.28
+12.11%
30,023.54
+0.32%
29,926.48
+1.48%
29,489.38
Cash And Cash Equivalents
2,540.89
+10.91%
2,290.98
+43.39%
1,597.77
+35.91%
1,175.57
Cash Financial
247.61
+2.89%
240.66
-6.42%
257.15
-12.58%
294.15
Other Short Term Investments
298.19
-89.92%
2,959.72
-21.83%
3,786.38
-16.63%
4,541.93
Receivables
109.23
+6.66%
102.41
-8.08%
111.42
+17.42%
94.89
Accounts Receivable
109.23
+6.66%
102.41
-8.08%
111.42
+17.42%
94.89
Net PPE
298.14
+11.30%
267.87
-3.47%
277.51
+2.66%
270.31
Gross PPE
562.64
+11.63%
504.01
-2.25%
515.60
+4.12%
495.20
Accumulated Depreciation
-264.50
-12.01%
-236.14
+0.82%
-238.09
-5.87%
-224.90
Land And Improvements
69.57
+11.31%
62.51
+0.00%
62.51
-1.71%
63.59
Buildings And Improvements
234.96
+13.90%
206.28
+0.70%
204.84
+0.29%
204.25
Machinery Furniture Equipment
123.06
+12.38%
109.51
-7.60%
118.51
+4.05%
113.90
Other Properties
89.31
+9.26%
81.74
-6.03%
86.99
+22.27%
71.14
Leases
45.73
+3.99%
43.97
+2.85%
42.75
+1.05%
42.31
Goodwill And Other Intangible Assets
2,018.85
+6.88%
1,888.89
-0.24%
1,893.44
-0.86%
1,909.91
Goodwill
2,018.85
+6.88%
1,888.89
+0.00%
1,888.89
+0.00%
1,888.89
Other Intangible Assets
—
—
4.55
-78.34%
21.02
Investments And Advances
3,400.40
+4.33%
3,259.30
-21.00%
4,125.75
-15.33%
4,872.60
Total Liabilities Net Minority Interest
28,164.30
+12.52%
25,030.32
-0.50%
25,155.24
+0.73%
24,973.19
Payables And Accrued Expenses
—
—
213.13
+12.34%
189.73
Current Accrued Expenses
—
—
213.13
+12.34%
189.73
Long Term Debt And Capital Lease Obligation
627.21
+0.00%
627.19
-66.67%
1,881.99
-17.22%
2,273.41
Long Term Debt
531.82
-1.59%
540.42
-69.79%
1,789.10
-18.59%
2,197.66
Long Term Capital Lease Obligation
95.39
+9.94%
86.77
-6.58%
92.89
+22.62%
75.75
Long Term Provisions
35.08
+0.47%
34.91
-21.91%
44.71
-3.21%
46.19
Stockholders Equity
5,495.98
+10.07%
4,993.22
+4.65%
4,771.24
+5.65%
4,516.19
Common Stock Equity
5,495.98
+10.07%
4,993.22
+4.65%
4,771.24
+5.65%
4,516.19
Capital Stock
377.14
+5.72%
356.74
+0.31%
355.64
+0.17%
355.03
Common Stock
377.14
+5.72%
356.74
+0.31%
355.64
+0.17%
355.03
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
150.86
+5.72%
142.69
+0.31%
142.26
+0.17%
142.01
Ordinary Shares Number
139.88
+3.35%
135.35
+0.29%
134.95
+0.15%
134.75
Treasury Shares Number
10.98
+49.38%
7.35
+0.54%
7.31
+0.58%
7.27
Additional Paid In Capital
3,468.87
+8.53%
3,196.15
+0.45%
3,181.76
+0.41%
3,168.87
Retained Earnings
2,170.33
+13.17%
1,917.73
+9.86%
1,745.62
+10.80%
1,575.43
Gains Losses Not Affecting Retained Earnings
-138.93
+37.95%
-223.90
+13.78%
-259.68
+21.95%
-332.73
Treasury Stock
381.43
+50.47%
253.49
+0.55%
252.11
+0.68%
250.40
Other Equity Adjustments
-138.93
+37.95%
-223.90
+13.78%
-259.68
+21.95%
-332.73
Total Equity Gross Minority Interest
5,495.98
+10.07%
4,993.22
+4.65%
4,771.24
+5.65%
4,516.19
Total Capitalization
6,027.80
+8.93%
5,533.64
-15.65%
6,560.34
-2.29%
6,713.85
Invested Capital
6,027.80
+8.93%
5,533.64
-15.65%
6,560.34
-2.29%
6,713.85
Total Debt
627.21
+0.00%
627.19
-66.67%
1,881.99
-17.22%
2,273.41
Net Debt
—
—
191.33
-81.28%
1,022.08
Capital Lease Obligations
95.39
+9.94%
86.77
-6.58%
92.89
+22.62%
75.75
Net Tangible Assets
3,477.14
+12.01%
3,104.33
+7.87%
2,877.80
+10.42%
2,606.28
Tangible Book Value
3,477.14
+12.01%
3,104.33
+7.87%
2,877.80
+10.42%
2,606.28
Available For Sale Securities
3,101.20
+938.67%
298.57
-11.76%
338.37
+2.64%
329.68
Cash Cash Equivalents And Federal Funds Sold
2,542.25
+10.91%
2,292.24
+43.36%
1,598.94
+35.89%
1,176.65
Held To Maturity Securities
1.00
+0.20%
1.00
-0.10%
1.00
+0.10%
1.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
498.91
+12.00%
445.45
+2.35%
435.24
-42.79%
760.82
Cash Flow From Continuing Operating Activities
498.91
+12.00%
445.45
+2.35%
435.24
-42.79%
760.82
Net Income From Continuing Operations
464.60
+24.56%
373.00
+1.82%
366.31
-3.51%
379.63
Depreciation Amortization Depletion
-13.05
-225.54%
10.40
-55.01%
23.11
-2.38%
23.67
Depreciation
16.81
+7.03%
15.71
-8.62%
17.19
-5.74%
18.24
Amortization Cash Flow
-29.86
-462.09%
-5.31
-189.82%
5.92
+8.87%
5.43
Depreciation And Amortization
-13.05
-225.54%
10.40
-55.01%
23.11
-2.38%
23.67
Amortization Of Intangibles
-29.86
-462.09%
-5.31
-189.82%
5.92
+8.87%
5.43
Other Non Cash Items
23.26
-20.10%
29.11
-7.44%
31.45
-90.53%
332.13
Pension And Employee Benefit Expense
-2.26
-22670.00%
0.01
-93.71%
0.16
+109.70%
-1.64
Stock Based Compensation
13.09
+7.91%
12.13
-2.67%
12.46
+26.13%
9.88
Asset Impairment Charge
0.06
-74.89%
0.22
-76.83%
0.94
-15.93%
1.12
Deferred Tax
16.64
+594.21%
-3.37
-15.30%
-2.92
-142.41%
6.89
Deferred Income Tax
16.64
+594.21%
-3.37
-15.30%
-2.92
-142.41%
6.89
Operating Gains Losses
-22.90
-51.67%
-15.10
+42.01%
-26.04
+39.78%
-43.23
Gain Loss On Investment Securities
-11.17
-244.69%
7.72
+0.97%
7.65
+1085.31%
-0.78
Gain Loss On Sale Of PPE
0.10
+101.43%
-6.76
+15.04%
-7.96
-1842.01%
0.46
Change In Working Capital
-36.74
-369.06%
13.66
+1101.25%
-1.36
-104.42%
30.88
Change In Receivables
-6.82
-175.71%
9.01
+154.49%
-16.53
+45.57%
-30.37
Changes In Account Receivables
-6.82
-175.71%
9.01
+154.49%
-16.53
+45.57%
-30.37
Change In Payables And Accrued Expense
-17.46
-773.39%
2.59
-86.20%
18.78
+386.00%
3.87
Change In Accrued Expense
-17.46
-773.39%
2.59
-86.20%
18.78
+386.00%
3.87
Change In Other Current Assets
-12.46
-706.23%
2.06
+156.83%
-3.62
-106.31%
57.38
Investing Cash Flow
-899.31
-257.36%
571.49
+1365.57%
38.99
+101.13%
-3,447.66
Cash Flow From Continuing Investing Activities
-899.31
-257.36%
571.49
+1365.57%
38.99
+101.13%
-3,447.66
Net PPE Purchase And Sale
-16.27
-35.28%
-12.03
-31.51%
-9.14
+42.70%
-15.96
Purchase Of PPE
-17.71
-46.06%
-12.13
-3.77%
-11.69
+30.69%
-16.86
Sale Of PPE
1.44
+1329.70%
0.10
-96.03%
2.54
+181.82%
0.90
Capital Expenditure
-17.71
-46.06%
-12.13
-3.77%
-11.69
+30.69%
-16.86
Net Investment Purchase And Sale
74.39
-91.57%
882.85
+7.68%
819.87
+175.41%
-1,087.15
Purchase Of Investment
-2,202.57
-0.12%
-2,199.99
-663.92%
-287.99
+82.80%
-1,674.51
Sale Of Investment
2,276.97
-26.14%
3,082.84
+178.27%
1,107.86
+88.62%
587.36
Net Business Purchase And Sale
77.48
0.00
0.00
0.00
Net Intangibles Purchase And Sale
0.00
-100.00%
12.49
-46.74%
23.45
0.00
Net Other Investing Changes
5.90
-5.18%
6.22
+7.30%
5.80
-74.26%
22.52
Financing Cash Flow
650.41
+300.97%
-323.64
-523.10%
-51.94
-149.32%
105.32
Cash Flow From Continuing Financing Activities
650.41
+300.97%
-323.64
-523.10%
-51.94
-149.32%
105.32
Net Issuance Payments Of Debt
-30.57
+97.55%
-1,250.00
-204.69%
-410.25
-129.73%
1,380.00
Issuance Of Debt
0.00
-100.00%
250.00
-83.33%
1,500.00
-21.05%
1,900.00
Repayment Of Debt
-30.57
+97.96%
-1,500.00
+21.48%
-1,910.25
-267.36%
-520.00
Long Term Debt Issuance
0.00
-100.00%
250.00
-83.33%
1,500.00
-21.05%
1,900.00
Long Term Debt Payments
-30.57
+97.96%
-1,500.00
+21.48%
-1,910.25
-267.36%
-520.00
Net Long Term Debt Issuance
-30.57
+97.55%
-1,250.00
-204.69%
-410.25
-129.73%
1,380.00
Net Common Stock Issuance
-126.99
-12110.48%
-1.04
+24.75%
-1.38
+98.26%
-79.46
Common Stock Payments
-126.99
-12110.48%
-1.04
+24.75%
-1.38
+98.26%
-79.46
Common Stock Dividend Paid
-209.00
-4.12%
-200.73
-3.08%
-194.73
-0.87%
-193.04
Cash Dividends Paid
-209.00
-4.12%
-200.73
-3.08%
-194.73
-0.87%
-193.04
Repurchase Of Capital Stock
-126.99
-12110.48%
-1.04
+24.75%
-1.38
+98.26%
-79.46
Proceeds From Stock Option Exercised
0.75
-85.76%
5.27
+201.37%
1.75
-83.00%
10.29
Changes In Cash
250.01
-63.94%
693.30
+64.18%
422.29
+116.36%
-2,581.52
Beginning Cash Position
2,292.24
+43.36%
1,598.94
+35.89%
1,176.65
-68.69%
3,758.17
End Cash Position
2,542.25
+10.91%
2,292.24
+43.36%
1,598.94
+35.89%
1,176.65
Free Cash Flow
481.19
+11.05%
433.33
+2.31%
423.55
-43.07%
743.96
Interest Paid Supplemental Data
581.62
-1.53%
590.63
+26.17%
468.12
+376.89%
98.16
Income Tax Paid Supplemental Data
114.46
+32.76%
86.22
-18.24%
105.46
+12.57%
93.68
Excess Tax Benefit From Stock Based Compensation
0.08
-67.83%
0.26
+101.56%
0.13
-87.69%
1.04
Sale Of Business
77.48
0.00
0.00
0.00
Sale Of Intangibles
0.00
-100.00%
12.49
-46.74%
23.45
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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