A Business at a Glance
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UNITED BANKSHARES INC/WV
UBSI
$6.8B
Mkt Cap
$47.80
+0.93%
UNITED BANKSHARES INC/WV (UBSI) has a current P/E ratio of 14.6, compared to its historical median P/E of 12.4. The stock is currently considered Expensive based on its historical valuation range.
UNITED BANKSHARES INC/WV (UBSI) has a 5-year average return on invested capital (ROIC) of 6.5%. This is below average and may indicate limited pricing power.
UNITED BANKSHARES INC/WV (UBSI) has a market capitalization of $6.8B. It is classified as a mid-cap stock.
Yes, UNITED BANKSHARES INC/WV (UBSI) pays a dividend with a trailing twelve-month yield of 3.08%. The company also returns capital through share buybacks, with a buyback yield of 1.87%.
Based on historical P/E analysis, UNITED BANKSHARES INC/WV (UBSI) appears expensive. The current P/E of 14.6 is 18% above its historical median of 12.4. The estimated fair value CAGR (P/E method) is 2.9%.
UNITED BANKSHARES INC/WV (UBSI) operates in the State Commercial Banks industry, within the Financials sector.
UNITED BANKSHARES INC/WV (UBSI) reported annual revenue of $1.8 billion in its most recent fiscal year, based on SEC EDGAR filings.
United Bankshares, Inc. is a West Virginia-based financial holding company operating primarily through United Bank, a Virginia state-chartered subsidiary offering a comprehensive range of community banking services including deposit products (checking, savings, time, and money market accounts), commercial and retail lending (personal, commercial, construction, and real estate loans), credit card services, and trust and investment services. The company operates through a network of branches across the Mid-Atlantic and Southeast regions, including Virginia, Georgia, South Carolina, and surrounding markets, with consolidated assets of approximately $33.7 billion as of December 31, 2025. United's business model is built on traditional community banking with a focus on relationship-based lending and deposit gathering, supported by nonbank subsidiaries providing asset management, title insurance, financial planning, mortgage banking, and brokerage services. The company has grown substantially through strategic acquisitions, including the January 2025 acquisition of Piedmont Bancorp (providing entry into the greater-Atlanta market), the December 2021 acquisition of Community Bankers Trust (enhancing presence in the DC Metro area and connecting Mid-Atlantic and Southeast footprints), and the May 2020 acquisition of Carolina Financial (broadening Southeast market presence). United's competitive positioning is anchored in its established branch network, deposit base, and regional market knowledge across desirable banking markets in the Southeast and Mid-Atlantic regions.
【Regional market consolidation continuing】 Management continues to evaluate acquisition opportunities as they arise, with recent transactions demonstrating a strategic focus on expanding into high-growth markets in the Southeast and Mid-Atlantic regions. The company's acquisition strategy reflects management's confidence in identifying and integrating banking institutions that enhance geographic footprint and market presence. United remains positioned to pursue additional banking and thrift institution acquisitions as permitted under the Bank Holding Company Act, with management actively engaged in ongoing market inquiries and due diligence activities. The company's integration of recent acquisitions, particularly the Piedmont transaction providing access to the greater-Atlanta market, represents a key operational priority.
No forward guidance provided.
Generated solely from the company's own reports listed below — not from third-party data. Hallucination risk is low. · Sources: 10-K
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 1.8B | 1.8B | 1.6B | 1.5B | 1.2B | 1.1B |
| Net Income | 464M | 464M | 372M | 365M | 379M | 367M |
| EPS | $3.27 | $3.27 | $2.75 | $2.71 | $2.80 | $2.83 |
| Free Cash Flow | 481M | 481M | 433M | 424M | 744M | 594M |
| ROIC | 9.6% | 8.0% | 6.2% | 5.5% | 6.2% | 6.9% |
| Gross Margin | 65.0% | 65.0% | 62.1% | 66.6% | 89.2% | 92.9% |
| Debt/Equity | 0.34 | 0.34 | 0.16 | 0.42 | 0.52 | 0.20 |
| Dividends/Share | $1.47 | $1.49 | $1.48 | $1.45 | $1.44 | $1.41 |
| Operating Income | 583M | 583M | 465M | 464M | 476M | 463M |
| Operating Margin | 32.0% | 32.0% | 28.6% | 30.2% | 41.2% | 43.1% |
| ROE | 8.4% | 8.8% | 7.6% | 7.9% | 8.2% | 8.1% |
| Shares Outstanding | 142M | 142M | 135M | 135M | 135M | 130M |
UNITED BANKSHARES INC/WV passes 5 of 9 quality checks, suggesting mixed fundamentals.
UNITED BANKSHARES INC/WV trades at 14.6x trailing earnings, compared to its 15-year median P/E of 12.4x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 13.8x vs a median of 11.3x. The company's 5-year average ROIC is 6.5% with a gross margin of 75.2%. Total shareholder yield (dividends + buybacks) is 5.0%. At current prices, the estimated annualized return to fair value is +13.3%.
UNITED BANKSHARES INC/WV (UBSI) has a net profit margin of 25.5%. This is a strong margin indicating high profitability.
UNITED BANKSHARES INC/WV (UBSI) generated $481 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
UNITED BANKSHARES INC/WV (UBSI) has a debt-to-equity ratio of 0.34. This indicates a conservatively financed balance sheet.
UNITED BANKSHARES INC/WV (UBSI) reported earnings per share (EPS) of $3.27 in its most recent fiscal year.
UNITED BANKSHARES INC/WV (UBSI) has a return on equity (ROE) of 8.8%. This indicates moderate shareholder returns.
UNITED BANKSHARES INC/WV (UBSI) has a 5-year average gross margin of 75.2%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for UNITED BANKSHARES INC/WV (UBSI), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
UNITED BANKSHARES INC/WV (UBSI) has a book value per share of $38.77, based on its most recent annual SEC filing.
Based on recent SEC filings and earnings disclosures, Management continues to evaluate acquisition opportunities as they arise, with recent transactions demonstrating a strategic focus on expanding into high-growth markets in the Southeast and Mid-Atlantic regions. The company's acquisition strategy reflects management's confidence in identifying and integrating banking institutions that enhance geographic footprint and market presence. United remains positioned to pursue additional banking and thrift institution acquisitions as permitted under the Bank Holding Company Act, with management actively engaged in ongoing market inquiries and due diligence activities. The company's integration of recent acquisitions, particularly the Piedmont transaction providing access to the greater-Atlanta market, represents a key operational priority.
No recent press releases.