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United Bankshares, Inc.(UBSI)Earnings, Financials & Key Ratios
UBSI•NASDAQ•Banking & Credit
$43.72
$6.11B mkt cap·13.4× P/E·Price updated May 6, 2026
AboutUnited Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States. It operates through two segments, Community Banking and Mortgage Banking. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, NOW accounts, and interest-bearing checking accounts. Its loan products include commercial loans and leases; construction and real estate loans; personal, student, credit card, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; safe deposit boxes, wire transfers, and other banking products and services; investment and security services; services to correspondent banks, including buying and selling federal funds; automated teller machine services; and internet and 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 of December 31, 2021, the company operated 250 offices in Virginia, Maryland, Washington, D.C., North Carolina, South Carolina, Georgia, Pennsylvania, West Virginia, and Ohio. United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia.Show more
- Net Interest Income$1.1B+21.0%
- Total Revenue$1.82B+12.3%
- Net Income$465M+24.6%
- Return on Equity8.86%+16.0%
- Net Interest Margin3.27%+7.9%
- Efficiency Ratio32.94%-1.1%
- ROA1.46%+17.3%
- Equity / Assets16.33%-1.8%
- Book Value per Share38.98+5.8%
- Tangible BV/Share24.44+7.0%
- Debt/Equity0.17+4.2%
UBSI Key Insights
United Bankshares, Inc. (UBSI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 7/9
- ✓Efficient operations: 32.9% efficiency ratio
- ✓Well capitalized: 16.3% equity/assets
- ✓Healthy dividend yield of 3.4%
- ✓Trading near 52-week high
- ✓Trading at only 1.1x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
UBSI Price & Volume
United Bankshares, Inc. (UBSI) stock price & volume — 10-year historical chart
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UBSI Growth Metrics
United Bankshares, Inc. (UBSI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years13.89%
5 Years9.86%
3 Years16.7%
TTM-
Profit CAGR
10 Years12.91%
5 Years9.96%
3 Years6.96%
TTM24.56%
EPS CAGR
10 Years5.14%
5 Years6.38%
3 Years5.31%
TTM18.91%
Return on Capital
10 Years6.73%
5 Years6.67%
3 Years5.75%
Last Year3%
UBSI Recent Earnings
United Bankshares, Inc. (UBSI) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
Apr 23, 2026EPS
$0.89
Est $0.85
+4.7%
Revenue
$317M
Est $315M
+0.4%
Q1 2026
Jan 23, 2026EPS
$0.69
Est $0.86
-19.8%
Revenue
$318M
Est $316M
+0.9%
Q1 2026
Jan 22, 2026EPS
$0.91
Est $0.86
+5.8%
Revenue
$318M
Est $316M
+0.9%
Q4 2025
Oct 23, 2025EPS
$0.92
Est $0.81
+13.3%
Revenue
$324M
Est $309M
+4.9%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.89vs $0.85+4.7% | $317Mvs $315M+0.4% |
| Q1 2026 | Jan 23, 2026 | $0.69vs $0.86-19.8% | $318Mvs $316M+0.9% |
| Q1 2026 | Jan 22, 2026 | $0.91vs $0.86+5.8% | $318Mvs $316M+0.9% |
| Q4 2025 | Oct 23, 2025 | $0.92vs $0.81+13.3% | $324Mvs $309M+4.9% |
Based on last 12 quarters of dataView full earnings history →
UBSI Peer Comparison
United Bankshares, Inc. (UBSI) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 WSFS | 3.8B | 72.11 | 14.17 | -3.05% | 10.65% | 0.11 | ||
 FULT | 4.19B | 21.79 | 10.48 | 5.03% | 11.6% | 0.37 | ||
 UMBF | 10.2B | 133.96 | 14.67 | 68.52% | 11.67% | 0.49 | ||
 IBOC | 4.51B | 72.56 | 10.96 | 1.03% | 13.41% | 0.22 | ||
 SFNC | 3.13B | 21.59 | -7.32 | -56.66% | -11.63% | 0.19 | ||
 HBAN | 26.34B | 16.64 | 11.97 | 4.38% | 10.04% | 0.76 | ||
 SNV | 6.95B | 50.05 | 16.52 | 1.16% | 13.7% | 0.35 | ||
 OFG | 1.98B | 45.96 | 10.24 | 4.84% | 15.21% | 0.42 |
Compare UBSI vs Peers
United Bankshares, Inc. (UBSI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
UBSI Income Statement
United Bankshares, Inc. (UBSI) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 549M | 588.64M | 577.92M | 689.77M | 742.73M | 896.43M | 919.92M | 911.07M | 1.1B |
| NII Growth % | 29.08% | 7.22% | -1.82% | 19.35% | 7.68% | 20.69% | 2.62% | -0.96% | 20.97% |
| Net Interest Margin % | 2.88% | 3.06% | 2.94% | 2.63% | 2.53% | 3.04% | 3.07% | 3.03% | 3.27% |
| Interest Income | 623.81M | 717.72M | 762.56M | 798.38M | 795.12M | 1B | 1.4B | 1.5B | 1.69B |
| Interest Expense | 74.81M | 129.07M | 184.64M | 108.61M | 52.38M | 105.56M | 481.4M | 591.05M | 583.69M |
| Loan Loss Provision | 28.41M | 22.01M | 21.31M | 106.56M | -23.97M | 18.82M | 31.15M | 25.15M | 47.09M |
| Non-Interest Income | 129.84M | 123.71M | 148.18M | 339.41M | 264.12M | 143.52M | 127.53M | 118.59M | 134.74M |
| Non-Interest Income % | 17.23% | 14.7% | 16.27% | 29.83% | 24.94% | 12.53% | 8.34% | 7.32% | 7.4% |
| Total Revenue | 753.64M▲ 0% | 841.42M▲ 11.6% | 910.75M▲ 8.2% | 1.14B▲ 24.9% | 1.06B▼ 6.9% | 1.15B▲ 8.1% | 1.53B▲ 33.5% | 1.62B▲ 6.0% | 1.82B▲ 12.3% |
| Revenue Growth % | 39.92% | 11.65% | 8.24% | 24.93% | -6.9% | 8.14% | 33.46% | 6.01% | 12.33% |
| Non-Interest Expense | 365.6M | 363.17M | 380.35M | 562.88M | 567.97M | 545.35M | 552.5M | 539.92M | 599.64M |
| Efficiency Ratio | 48.51% | 43.16% | 41.76% | 49.47% | 53.62% | 47.61% | 36.14% | 33.31% | 32.94% |
| Operating Income | 284.83M▲ 0% | 327.17M▲ 14.9% | 324.44M▼ 0.8% | 359.74M▲ 10.9% | 462.85M▲ 28.7% | 475.78M▲ 2.8% | 463.81M▼ 2.5% | 464.58M▲ 0.2% | 590.18M▲ 27.0% |
| Operating Margin % | 37.79% | 38.88% | 35.62% | 31.62% | 43.7% | 41.53% | 30.34% | 28.67% | 32.42% |
| Operating Income Growth % | 27.92% | 14.86% | -0.83% | 10.88% | 28.66% | 2.79% | -2.52% | 0.17% | 27.04% |
| Pretax Income | 284.83M▲ 0% | 327.17M▲ 14.9% | 324.44M▼ 0.8% | 359.74M▲ 10.9% | 462.85M▲ 28.7% | 475.78M▲ 2.8% | 463.81M▼ 2.5% | 464.58M▲ 0.2% | 583.4M▲ 25.6% |
| Pretax Margin % | 37.79% | 38.88% | 35.62% | 31.62% | 43.7% | 41.53% | 30.34% | 28.67% | 32.04% |
| Income Tax | 134.25M | 70.82M | 64.34M | 70.72M | 95.11M | 96.16M | 97.49M | 91.58M | 118.8M |
| Effective Tax Rate % | 47.13% | 21.65% | 19.83% | 19.66% | 20.55% | 20.21% | 21.02% | 19.71% | 20.36% |
| Net Income | 150.58M▲ 0% | 256.34M▲ 70.2% | 260.1M▲ 1.5% | 289.02M▲ 11.1% | 367.74M▲ 27.2% | 379.63M▲ 3.2% | 366.31M▼ 3.5% | 373M▲ 1.8% | 464.6M▲ 24.6% |
| Net Margin % | 19.98% | 30.47% | 28.56% | 25.4% | 34.72% | 33.14% | 23.96% | 23.01% | 25.52% |
| Net Income Growth % | 2.38% | 70.24% | 1.47% | 11.12% | 27.23% | 3.23% | -3.51% | 1.82% | 24.56% |
| Net Income (Continuing) | 150.58M | 256.34M | 260.1M | 289.02M | 367.74M | 379.63M | 366.31M | 373M | 464.6M |
| EPS (Diluted) | 1.54▲ 0% | 2.46▲ 59.7% | 2.55▲ 3.7% | 2.40▼ 5.9% | 2.83▲ 17.9% | 2.80▼ 1.1% | 2.72▼ 2.9% | 2.75▲ 1.1% | 3.27▲ 18.9% |
| EPS Growth % | -22.61% | 59.74% | 3.66% | -5.88% | 17.92% | -1.06% | -2.86% | 1.1% | 18.91% |
| EPS (Basic) | 1.54 | 2.46 | 2.56 | 2.40 | 2.84 | 2.81 | 2.72 | 2.76 | 3.28 |
| Diluted Shares Outstanding | 97.89M | 104.3M | 101.85M | 120.09M | 129.51M | 135.12M | 134.75M | 135.5M | 140.98M |
UBSI Balance Sheet
United Bankshares, Inc. (UBSI) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 3.55B | 3.36B | 3.27B | 5.16B | 7.8B | 5.72B | 5.38B | 2.55B | 5.6B |
| Cash & Due from Banks | 1.67B | 1.02B | 836.67M | 2.21B | 3.76B | 1.18B | 1.6B | 2.29B | 2.54B |
| Short Term Investments | 1.89B | 2.34B | 2.44B | 2.95B | 4.04B | 4.54B | 3.79B | 261.46M | 3.06B |
| Total Investments | 15.27B | 16.14B | 16.69B | 21.26B | 22.61B | 25.25B | 25.28B | 24.71B | 3.06B |
| Investments Growth % | 30.75% | 5.67% | 3.43% | 27.37% | 6.34% | 11.7% | 0.11% | -2.28% | -87.62% |
| Long-Term Investments | 13.38B | 13.8B | 14.26B | 18.31B | 18.57B | 20.71B | 21.5B | 24.44B | 0 |
| Accounts Receivables | 52.81M | 60.6M | 58.09M | 66.83M | 64.51M | 94.89M | 111.42M | 102.41M | 0 |
| Goodwill & Intangibles | 1.48B | 1.48B | 1.48B | 1.82B | 1.91B | 1.91B | 1.89B | 1.9B | 2.05B |
| Goodwill | 1.48B | 1.48B | 1.48B | 1.8B | 1.89B | 1.89B | 1.89B | 1.89B | 2.02B |
| Intangible Assets | 0 | 0 | 0 | 20.95M | 23.14M | 21.02M | 4.55M | 8.87M | 32.27M |
| PP&E (Net) | 104.89M | 95.25M | 154.43M | 245.34M | 279.16M | 270.31M | 277.51M | 267.87M | 89.31M |
| Other Assets | 485.1M | 457.96M | 442.74M | 585.32M | 710.55M | 785.8M | 764.48M | 759.22M | 95.39M |
| Total Current Assets | 3.61B | 3.42B | 3.33B | 5.23B | 7.86B | 5.81B | 5.5B | 2.65B | 5.6B |
| Total Non-Current Assets | 15.45B | 15.83B | 16.33B | 20.96B | 21.46B | 23.68B | 24.43B | 27.37B | 2.24B |
| Total Assets | 19.06B▲ 0% | 19.25B▲ 1.0% | 19.66B▲ 2.1% | 26.18B▲ 33.2% | 29.33B▲ 12.0% | 29.49B▲ 0.5% | 29.93B▲ 1.5% | 30.02B▲ 0.3% | 33.66B▲ 12.1% |
| Asset Growth % | 31.36% | 1% | 2.14% | 33.17% | 12.01% | 0.55% | 1.48% | 0.32% | 12.11% |
| Return on Assets (ROA) | 0.9% | 1.34% | 1.34% | 1.26% | 1.32% | 1.29% | 1.23% | 1.24% | 1.46% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 1.84B | 1.85B | 2.27B | 1.08B | 1.03B | 2.43B | 2.08B | 803.28M | 921.17M |
| Net Debt | 176.19M | 830.84M | 1.44B | -1.13B | -2.72B | 1.26B | 480.31M | -1.49B | -1.62B |
| Long-Term Debt | 1.51B | 1.67B | 2.09B | 864.37M | 817.39M | 2.2B | 1.79B | 540.42M | 627.21M |
| Short-Term Debt | 327.59M | 176.33M | 124.65M | 142.3M | 128.84M | 160.7M | 196.09M | 176.09M | 198.57M |
| Other Liabilities | 679K | 1.39M | 1.73M | 19.25M | 31.44M | 46.19M | 44.71M | 265.18M | 27.24B |
| Total Current Liabilities | 14.3B | 14.32B | 14.15B | 20.93B | 23.67B | 22.65B | 23.23B | 24.14B | 198.57M |
| Total Non-Current Liabilities | 1.51B | 1.67B | 2.15B | 956.83M | 935.54M | 2.32B | 1.93B | 892.37M | 27.97B |
| Total Liabilities | 15.82B | 16B | 16.3B | 21.89B | 24.61B | 24.97B | 25.16B | 25.03B | 28.16B |
| Total Equity | 3.24B▲ 0% | 3.25B▲ 0.3% | 3.36B▲ 3.5% | 4.3B▲ 27.8% | 4.72B▲ 9.8% | 4.52B▼ 4.3% | 4.77B▲ 5.6% | 4.99B▲ 4.7% | 5.5B▲ 10.1% |
| Equity Growth % | 44.94% | 0.34% | 3.45% | 27.76% | 9.8% | -4.29% | 5.65% | 4.65% | 10.07% |
| Equity / Assets (Capital Ratio) | 17% | 16.89% | 17.11% | 16.41% | 16.09% | 15.31% | 15.94% | 16.63% | 16.33% |
| Return on Equity (ROE) | 5.5% | 7.9% | 7.86% | 7.54% | 8.16% | 8.22% | 7.89% | 7.64% | 8.86% |
| Book Value per Share | 33.10 | 31.18 | 33.03 | 35.79 | 36.43 | 33.42 | 35.41 | 36.85 | 38.98 |
| Tangible BV per Share | 18.00 | 17.01 | 18.52 | 20.65 | 21.69 | 19.29 | 21.36 | 22.84 | 24.44 |
| Common Stock | 262.68M | 263.1M | 263.74M | 334.52M | 353.4M | 355.03M | 355.64M | 356.74M | 5.5B |
| Additional Paid-in Capital | 2.13B | 2.13B | 2.14B | 2.89B | 3.15B | 3.17B | 3.18B | 3.2B | 0 |
| Retained Earnings | 891.82M | 1.01B | 1.13B | 1.21B | 1.39B | 1.58B | 1.75B | 1.92B | 0 |
| Accumulated OCI | -42.02M | -57.02M | -34.87M | 22.37M | -4.89M | -332.73M | -259.68M | -223.9M | 0 |
| Treasury Stock | -1.01M | -101.95M | -137.79M | -159.14M | -170.62M | -250.4M | -252.11M | -253.49M | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
UBSI Cash Flow Statement
United Bankshares, Inc. (UBSI) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 253.93M | 294.04M | 151.97M | 140.45M | 609.54M | 760.82M | 435.24M | 445.45M | 498.91M |
| Operating CF Growth % | 48.73% | 15.79% | -48.32% | -7.58% | 334% | 24.82% | -42.79% | 2.35% | 12% |
| Net Income | 150.58M | 256.34M | 260.1M | 289.02M | 367.74M | 379.63M | 366.31M | 373M | 464.6M |
| Depreciation & Amortization | -21.57M | -21.06M | -20.44M | -16.44M | 7.91M | 23.67M | 23.11M | 10.4M | 0 |
| Deferred Taxes | 60.83M | 9.35M | 14.21M | -174K | 3.02M | 6.89M | -2.92M | -3.37M | 0 |
| Other Non-Cash Items | 40.72M | 4.67M | -105.95M | -176.71M | 190.55M | 309.88M | 37.64M | 39.64M | 71.05M |
| Working Capital Changes | 19.81M | 40.66M | -864K | 38.77M | 32.31M | 30.88M | -1.36M | 13.66M | -36.74M |
| Cash from Investing | 266.68M | -873.01M | -383.32M | 137.59M | 15.65M | -3.45B | 38.99M | 571.49M | -899.31M |
| Purchase of Investments | -1.01B | -975.72M | -901.93M | -735.7M | -1.56B | -1.67B | -287.99M | -2.2B | -2.2B |
| Sale/Maturity of Investments | 741.36M | 480.65M | 801.84M | 858.7M | 745.16M | 587.36M | 1.11B | 3.08B | 2.28B |
| Net Investment Activity | -266.6M | -495.07M | -100.09M | 123M | -813.94M | -1.09B | 819.87M | 882.85M | 74.95M |
| Acquisitions | 44.53M | 0 | 0 | 629.11M | 39.42M | 0 | 0 | 0 | 78.92M |
| Other Investing | 503.11M | -372.17M | -272.14M | -595.5M | 805.55M | -2.34B | -769.19M | -299.24M | -1.04B |
| Cash from Financing | -288.97M | -66.79M | 48.45M | 1.09B | 923.91M | 105.32M | -51.94M | -323.64M | 650.41M |
| Dividends Paid | -121.35M | -142.35M | -138.94M | -162.71M | -181.28M | -193.04M | -194.73M | -200.73M | -209M |
| Share Repurchases | -1K | -100.72M | -35.67M | -21.32M | -11.21M | -79.46M | -1.38M | -1.04M | -126.99M |
| Stock Issued | 0 | 0 | 1K | 0 | 0 | 0 | 0 | 0 | 751K |
| Net Stock Activity | -1K | -100.72M | -35.67M | -21.32M | -11.21M | -79.46M | -1.38M | -1.04M | -126.24M |
| Debt Issuance (Net) | -1000K | 1000K | 1000K | -1000K | -1000K | 1000K | -1000K | -1000K | 1000K |
| Other Financing | -137.4M | -18.72M | -116.94M | 2.62B | 1.21B | -1B | 554.42M | 1.13B | 973.17M |
| Net Change in Cash | 231.64M▲ 0% | -645.77M▼ 378.8% | -182.9M▲ 71.7% | 1.37B▲ 849.9% | 1.55B▲ 12.9% | -2.58B▼ 266.6% | 422.29M▲ 116.4% | 693.3M▲ 64.2% | 250.01M▼ 63.9% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 1.43B | 1.67B | 1.02B | 837.49M | 2.21B | 3.76B | 1.18B | 1.6B | 2.29B |
| Cash at End | 1.67B | 1.02B | 837.49M | 2.21B | 3.76B | 1.18B | 1.6B | 2.29B | 2.54B |
| Interest Paid | 72.72M | 124.68M | 182.55M | 115.35M | 54.59M | 98.16M | 468.12M | 590.63M | 0 |
| Income Taxes Paid | 73.1M | 55.34M | 56.46M | 65.38M | 101.23M | 93.68M | 106.08M | 91.69M | 0 |
| Free Cash Flow | 239.57M▲ 0% | 286.76M▲ 19.7% | 140.88M▼ 50.9% | 121.42M▼ 13.8% | 594.16M▲ 389.3% | 743.96M▲ 25.2% | 423.55M▼ 43.1% | 433.33M▲ 2.3% | 481.19M▲ 11.0% |
| FCF Growth % | 46.56% | 19.7% | -50.87% | -13.81% | 389.33% | 25.21% | -43.07% | 2.31% | 11.05% |
UBSI Banking Ratios
United Bankshares, Inc. (UBSI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 7.45% | 5.5% | 7.9% | 7.86% | 7.54% | 8.16% | 8.22% | 7.89% | 7.64% | 8.86% |
| Return on Assets (ROA) | 1.09% | 0.9% | 1.34% | 1.34% | 1.26% | 1.32% | 1.29% | 1.23% | 1.24% | 1.46% |
| Net Interest Margin | 2.93% | 2.88% | 3.06% | 2.94% | 2.63% | 2.53% | 3.04% | 3.07% | 3.03% | 3.27% |
| Efficiency Ratio | 45.76% | 48.51% | 43.16% | 41.76% | 49.47% | 53.62% | 47.61% | 36.14% | 33.31% | 32.94% |
| Equity / Assets | 15.41% | 17% | 16.89% | 17.11% | 16.41% | 16.09% | 15.31% | 15.94% | 16.63% | 16.33% |
| Book Value / Share | 30.26 | 33.1 | 31.18 | 33.03 | 35.79 | 36.43 | 33.42 | 35.41 | 36.85 | 38.98 |
| NII Growth | 10.73% | 29.08% | 7.22% | -1.82% | 19.35% | 7.68% | 20.69% | 2.62% | -0.96% | 20.97% |
| Dividend Payout | 65.51% | 80.59% | 55.53% | 53.42% | 56.3% | 49.3% | 50.85% | 53.16% | 53.81% | 44.99% |
UBSI SEC Filings & Documents
United Bankshares, Inc. (UBSI) SEC filings — annual & quarterly reports (10-K, 10-Q)
UBSI Frequently Asked Questions
United Bankshares, Inc. (UBSI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
United Bankshares, Inc. (UBSI) grew revenue by 12.3% over the past year. This is steady growth.
Yes, United Bankshares, Inc. (UBSI) is profitable, generating $464.6M in net income for fiscal year 2025 (25.5% net margin).
Dividend & Returns
Yes, United Bankshares, Inc. (UBSI) pays a dividend with a yield of 3.39%. This makes it attractive for income-focused investors.
United Bankshares, Inc. (UBSI) has a return on equity (ROE) of 8.9%. This is below average, suggesting room for improvement.
Industry Metrics
United Bankshares, Inc. (UBSI) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.
United Bankshares, Inc. (UBSI) has an efficiency ratio of 32.9%. This is excellent, indicating strong cost control.
Explore More UBSI
United Bankshares, Inc. (UBSI) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates