Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.88 | 12.22 | 12.19 | 11.63 | 10.55 | 10.11 | 10.71 | 14.69 | 13.41 | 13.25 | 11.42 | 13.98 | 15.91 | 9.71 | 10.91 | 12.05 | 13.68 | 11.76 | 12.35 | 14.53 | 16.20 |
| — | +20.8% | +13.8% | -20.8% | -21.3% | -23.7% | -6.2% | +5.1% | -15.7% | +36.4% | +4.7% | +16.0% | +16.3% | -17.4% | -11.7% | -17.1% | -15.5% | -8.2% | -1.2% | +25.1% | +42.0% | |
| P/S Ratio | 5.35 | 4.84 | 5.63 | 4.62 | 4.25 | 4.09 | 4.25 | 4.28 | 4.88 | 4.81 | 4.32 | 4.78 | 4.84 | 3.57 | 3.84 | 4.48 | 4.93 | 4.44 | 4.61 | 5.05 | 5.07 |
| — | +18.4% | +32.4% | +7.9% | -12.9% | -15.0% | -1.6% | -10.4% | +0.9% | +34.7% | +12.3% | +6.5% | -1.8% | -19.5% | -16.6% | -11.3% | -2.7% | -6.7% | -4.0% | +13.8% | +36.3% | |
| P/B Ratio | 1.24 | 1.16 | 1.17 | 1.06 | 0.99 | 0.97 | 0.97 | 0.93 | 1.02 | 1.01 | 0.90 | 1.01 | 1.06 | 0.80 | 0.86 | 1.03 | 1.21 | 1.08 | 1.05 | 1.04 | 1.01 |
| — | +19.5% | +20.4% | +13.6% | -3.5% | -3.8% | +7.0% | -7.5% | -3.9% | +26.4% | +4.8% | -2.4% | -12.1% | -26.1% | -18.1% | -0.5% | +19.7% | +2.3% | -1.7% | -9.8% | +3.4% | |
| P/FCF | 11.75 | 9.12 | 14.59 | 9.30 | 10.66 | 8.35 | 15.23 | 10.65 | 9.55 | 10.30 | 18.85 | 10.11 | 7.95 | 10.59 | 16.22 | 10.34 | 10.33 | 9.39 | 5.80 | 4.25 | 22.76 |
| — | +9.2% | -4.2% | -12.7% | +11.7% | -18.9% | -19.2% | +5.4% | +20.1% | -2.8% | +16.2% | -2.3% | -23.1% | +12.8% | +179.6% | +143.5% | -54.6% | +57.3% | +31.9% | -73.4% | +293.0% | |
| EV / EBITDA | 8.18 | 7.99 | 10.08 | 6.88 | 5.69 | 5.44 | 6.05 | 7.38 | 7.45 | 8.19 | 9.35 | 11.88 | 13.31 | 8.68 | 10.27 | 11.95 | 13.29 | 9.68 | 8.56 | 7.35 | 5.46 |
| — | +46.8% | +66.4% | -6.8% | -23.7% | -33.6% | -35.2% | -37.9% | -44.0% | -5.6% | -8.9% | -0.6% | +0.2% | -10.3% | +20.0% | +62.6% | +143.3% | +167.3% | +99.6% | +29.9% | -19.4% | |
| EV / EBIT | 8.51 | 4.37 | 10.22 | 6.88 | 5.69 | 5.44 | 6.05 | 7.38 | 7.45 | 8.19 | 9.35 | 11.88 | 13.31 | 8.68 | 10.27 | 11.95 | 13.29 | 9.68 | 8.56 | 7.35 | 5.46 |
| — | -19.6% | +68.9% | -6.8% | -23.7% | -33.6% | -35.2% | -37.9% | -44.0% | -5.6% | -8.9% | -0.6% | +0.2% | -10.3% | +20.0% | +62.6% | +143.3% | +167.3% | +99.6% | +29.9% | -19.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 96.2% | 98.1% | 100.0% | 97.5% | 100.0% | 96.3% | 98.1% | 89.9% | 97.4% | 97.3% | 97.7% | 97.7% | 97.4% | 97.7% | 95.6% | 97.4% | 94.1% | 97.2% | 100.7% | 101.4% | 103.1% |
| — | +1.9% | +2.0% | +8.4% | +2.6% | -1.1% | +0.4% | -8.0% | +0.1% | -0.4% | +2.2% | +0.3% | +3.5% | +0.6% | -5.1% | -4.0% | -8.8% | -5.8% | -2.8% | +1.5% | +9.7% | |
| Operating Margin | 47.7% | 49.9% | 44.0% | 49.7% | 52.3% | 50.8% | 49.8% | 37.0% | 46.4% | 45.9% | 45.4% | 42.7% | 39.8% | 46.4% | 44.5% | 46.4% | 45.6% | 47.4% | 46.4% | 43.2% | 39.7% |
| — | -1.7% | -11.6% | +34.2% | +12.9% | +10.5% | +9.8% | -13.5% | +16.6% | -1.1% | +1.9% | -7.8% | -12.8% | -2.1% | -4.1% | +7.3% | +15.0% | +1.0% | -4.5% | -10.0% | -1.0% | |
| Net Margin | 37.6% | 39.6% | 46.0% | 39.5% | 40.5% | 40.3% | 39.5% | 29.2% | 36.2% | 36.5% | 38.0% | 34.3% | 30.3% | 36.9% | 35.5% | 37.1% | 36.0% | 37.9% | 37.2% | 34.7% | 31.4% |
| — | -1.9% | +16.5% | +35.5% | +11.9% | +10.6% | +4.2% | -14.9% | +19.3% | -1.2% | +6.9% | -7.7% | -15.9% | -2.5% | -4.7% | +7.1% | +14.7% | +1.3% | -3.6% | -9.2% | -4.0% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.9% | 2.4% | 2.4% | 2.3% | 2.4% | 2.4% | 2.3% | 1.6% | 1.9% | 1.9% | 2.0% | 1.8% | 1.7% | 2.1% | 2.0% | 2.2% | 2.2% | 2.3% | 2.1% | 1.8% | 1.6% |
| — | -2.6% | +5.7% | +38.2% | +24.2% | +24.7% | +13.2% | -9.8% | +12.5% | -6.4% | -0.2% | -15.9% | -24.3% | -9.9% | -5.0% | +22.9% | +38.0% | +10.0% | -3.1% | -29.2% | -25.2% | |
| ROA | 1.5% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% | 0.3% | 0.3% | 0.3% |
| — | -4.2% | +5.8% | +37.4% | +21.9% | +24.1% | +14.4% | -7.2% | +17.6% | -2.4% | +4.2% | -12.2% | -21.3% | -8.0% | -6.1% | +18.4% | +31.2% | +5.3% | -6.0% | -30.7% | -26.7% | |
| ROIC | 7.2% | 1.9% | 1.5% | 1.8% | 2.0% | 2.0% | 1.9% | 1.3% | 1.6% | 1.4% | 1.3% | 1.2% | 1.2% | 1.4% | 1.2% | 1.3% | 1.5% | 1.7% | 1.6% | 1.3% | 1.3% |
| — | -2.5% | -19.3% | +37.0% | +25.9% | +37.2% | +44.4% | +13.4% | +32.1% | +7.0% | +8.8% | -6.0% | -19.1% | -19.6% | -26.6% | -5.9% | +17.5% | +5.2% | -3.3% | -28.6% | -20.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.17 | 0.15 | 0.15 | 0.14 | 0.17 | 0.15 | 0.15 | 0.15 | 0.16 | 0.16 | 0.37 | 0.42 | 0.44 | 0.36 | 0.53 | 0.66 | 0.54 | 0.34 | 0.22 | 0.23 | 0.22 |
| — | +4.2% | -3.8% | -6.3% | +4.2% | -10.4% | -58.9% | -63.7% | -63.1% | -54.4% | -30.5% | -35.7% | -19.2% | +4.5% | +135.9% | +192.9% | +146.2% | +48.9% | -2.8% | -5.5% | -12.9% | |
| Debt / EBITDA | 1.56 | 5.03 | 6.27 | 5.08 | 5.53 | 4.84 | 5.32 | 7.65 | 6.64 | 6.76 | 15.45 | 18.85 | 19.94 | 13.74 | 21.14 | 24.76 | 19.26 | 11.82 | 8.44 | 10.17 | 11.07 |
| — | +3.9% | +17.9% | -33.6% | -16.7% | -28.4% | -65.6% | -59.4% | -66.7% | -50.8% | -26.9% | -23.9% | +3.5% | +16.3% | +150.6% | +143.4% | +74.1% | +34.5% | -0.6% | +32.4% | +16.0% | |
| Current Ratio | 28.21 | 0.19 | 32.34 | 33.20 | 28.21 | 0.10 | 0.10 | 0.11 | 0.11 | 0.22 | 0.23 | 0.23 | 0.24 | 0.22 | 0.25 | 0.28 | 0.26 | 0.26 | 0.28 | 0.32 | 0.33 |
| — | +86.7% | +31465.6% | +29526.4% | +25548.5% | -52.4% | -54.5% | -52.1% | -53.5% | +0.1% | -11.7% | -17.7% | -7.8% | -16.7% | -9.0% | -11.3% | -22.8% | -22.5% | -12.6% | +12.5% | +33.0% | |
| Quick Ratio | 28.21 | 0.19 | 32.34 | 33.20 | 28.21 | 0.10 | 0.10 | 0.11 | 0.11 | 0.22 | 0.23 | 0.23 | 0.24 | 0.22 | 0.25 | 0.28 | 0.26 | 0.26 | 0.28 | 0.32 | 0.33 |
| — | +86.7% | +31465.6% | +29526.4% | +25548.5% | -52.4% | -54.5% | -52.1% | -53.5% | +0.1% | -11.7% | -17.7% | -7.8% | -16.7% | -9.0% | -11.3% | -22.8% | -22.5% | -12.6% | +12.5% | +33.0% | |
| Interest Coverage | 1.01 | 2.18 | 0.95 | 1.17 | 1.17 | 1.09 | 1.04 | 0.74 | 0.84 | 0.79 | 0.78 | 0.74 | 0.75 | 0.94 | 0.98 | 1.29 | 2.17 | 5.57 | 9.26 | 9.01 | 8.11 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying UBSI stock.
United Bankshares, Inc.'s current P/E is 12.9x. The average P/E over the last 4 quarters is 11.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
United Bankshares, Inc.'s current operating margin is 47.7%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking United Bankshares, Inc.'s business trajectory between earnings reports.