Last 48 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | 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 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.13 | 12.19 | — | 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 | 12.81 |
| — | +13.8% | — | -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% | +90.9% | |
| P/S Ratio | 5.15 | 5.63 | — | 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 | 4.76 |
| — | +32.4% | — | -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% | +115.7% | |
| P/B Ratio | 1.19 | 1.17 | — | 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 | 1.06 |
| — | +20.4% | — | -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% | +62.6% | |
| P/FCF | 13.24 | 14.59 | — | 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 | 5.97 |
| — | -4.2% | — | +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 | 8.04 | 10.08 | — | 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 | 3.62 |
| — | +66.4% | — | -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% | -15.4% | |
| EV / EBIT | 8.04 | 10.22 | — | 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 | 3.62 |
| — | +68.9% | — | -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% | -15.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | 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 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 65.4% | 68.2% | — | 69.1% | 65.7% | 66.3% | 60.1% | 62.9% | 61.5% | 61.7% | 61.9% | 63.5% | 65.4% | 65.7% | 71.7% | 77.7% | 89.5% | 95.9% | 96.8% | 98.3% | 98.2% |
| — | +3.0% | — | +9.8% | +6.9% | +7.4% | -2.9% | -1.0% | -6.1% | -6.1% | -13.7% | -18.2% | -26.9% | -31.5% | -26.0% | -21.0% | -8.8% | -2.3% | +1.9% | +10.8% | +11.8% | |
| Operating Margin | 32.4% | 30.0% | — | 36.2% | 34.6% | 33.6% | 24.7% | 29.9% | 29.0% | 28.6% | 27.1% | 26.0% | 31.1% | 30.6% | 34.1% | 37.7% | 43.7% | 44.2% | 41.2% | 37.8% | 44.7% |
| — | -10.7% | — | +20.8% | +19.5% | +17.4% | -8.7% | +15.3% | -6.8% | -6.4% | -20.7% | -31.1% | -28.9% | -30.8% | -17.2% | -0.4% | -2.2% | -4.0% | -9.6% | +0.0% | +14.3% | |
| Net Margin | 25.5% | 31.4% | — | 27.9% | 27.5% | 26.7% | 19.5% | 23.3% | 23.0% | 24.0% | 21.7% | 19.8% | 24.7% | 24.4% | 27.3% | 29.8% | 34.9% | 35.5% | 33.1% | 29.9% | 35.6% |
| — | +17.6% | — | +19.7% | +19.5% | +11.5% | -10.2% | +18.0% | -6.9% | -1.8% | -20.6% | -33.6% | -29.1% | -31.2% | -17.4% | -0.6% | -1.9% | -3.1% | -8.8% | -3.0% | +16.4% |
| Metric | TTM | 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 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.9% | 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% | 2.1% |
| — | +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% | -14.8% | |
| ROA | 1.5% | 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% | 0.3% |
| — | +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% | -15.3% | |
| ROIC | 7.2% | 1.5% | — | 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% | 1.6% |
| — | -19.3% | — | +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% | -7.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | 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 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.17 | 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 | 0.23 |
| — | -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% | -14.8% | |
| Debt / EBITDA | 1.56 | 6.27 | — | 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 | 8.79 |
| — | +17.9% | — | -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% | +1.5% | |
| Current Ratio | 28.21 | 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 | 0.34 |
| — | +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% | +55.4% | |
| Quick Ratio | 28.21 | 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 | 0.34 |
| — | +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% | +55.4% | |
| Interest Coverage | 1.01 | 0.95 | — | 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 | 9.26 |
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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 14.1x. The average P/E over the last 3 quarters is 10.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
United Bankshares, Inc.'s current operating margin is 32.4%. 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.