UBSINasdaqState Commercial BanksFiscal year ends December 31
UNITED BANKSHARES INC/WV
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$46.33−0.36 (-0.77%)
Close on Oct 19, 2026
- Market cap
- $6.41B
- P/E (TTM)
- 12.6
- Dividend yield
- 3.22%
United Bankshares statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | United Bankshares | Industry median |
|---|---|---|
| Market Cap | $6.31B | $679.86M |
| Enterprise Value | $4.40B | $408.94M |
| PE Ratio | 12.62 | 12.00 |
| PS Ratio | 4.92 | 3.61 |
| PB Ratio | 1.15 | 1.18 |
| P/TBV Ratio | 1.81 | 1.41 |
| P/FCF Ratio | 11.82 | 10.93 |
| P/OCF Ratio | 11.36 | 10.04 |
Enterprise value
| Measure | United Bankshares | Industry median |
|---|---|---|
| EV / Sales | 3.43 | 2.78 |
| EV / FCF | 8.23 | 8.25 |
Income (trailing twelve months)
| Measure | United Bankshares | Industry median |
|---|---|---|
| Revenue | $1.28B | $170.85M |
| Pretax Income | $644.51M | $70.12M |
| Net Income | $515.15M | $54.33M |
| EPS (Diluted) | $3.67 | $2.90 |
Margins
| Measure | United Bankshares | Industry median |
|---|---|---|
| Pretax Margin | 50.3% | 36.4% |
| Profit Margin | 40.2% | 29.1% |
| FCF Margin | 41.6% | 33.0% |
Returns
| Measure | United Bankshares | Industry median |
|---|---|---|
| Return on Equity (ROE) | 9.47% | 10.5% |
| Return on Assets (ROA) | 1.55% | 1.12% |
Growth
| Measure | United Bankshares | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 14.5% | 11.8% |
| Net Income Growth (YoY) | 30.5% | 23.1% |
| EPS Growth (YoY) | 29.7% | 22.7% |
| FCF Growth (YoY) | 16.9% | 27.1% |
| Revenue Growth (3Y CAGR) | 58.3% | 5.82% |
| Revenue Growth (5Y CAGR) | 36.3% | 6.17% |
| EPS Growth (3Y CAGR) | 5.31% | 1.26% |
| EPS Growth (5Y CAGR) | 6.38% | 8.24% |
Balance sheet
| Measure | United Bankshares | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $2.08B | $205.54M |
| Total Debt | $167.00M | $177.19M |
| Net Cash (Debt) | $1.91B | $164.40M |
| Net Cash Per Share | $14.05 | $8.13 |
| Equity (Book Value) | $5.51B | $560.44M |
| Book Value Per Share | $40.46 | $28.47 |
| Tangible Book Value | $3.49B | $472.29M |
Financial position
| Measure | United Bankshares | Industry median |
|---|---|---|
| Debt / Equity | 0.03 | 0.20 |
| Debt / FCF | 0.31 | 1.81 |
Cash flow (trailing twelve months)
| Measure | United Bankshares | Industry median |
|---|---|---|
| Operating Cash Flow | $555.58M | $61.20M |
| Capital Expenditures | -$21.65M | -$4.02M |
| Free Cash Flow | $533.93M | $52.43M |
| FCF Per Share | $3.92 | $3.07 |
Efficiency
| Measure | United Bankshares | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $486.57K | $353.78K |
| Profits Per Employee | $195.50K | $107.28K |
| Employee Count | 2,635 | 489 |
Dividends and yields
| Measure | United Bankshares | Industry median |
|---|---|---|
| Earnings Yield | 8.16% | 8.07% |
| FCF Yield | 8.46% | 8.89% |
| Dividend Yield | 3.22% | 2.48% |
| Buyback Yield | 3.33% | 1.55% |
| Shareholder Yield | 6.55% | 3.13% |
| Dividend Per Share | $1.49 | $0.93 |
| Dividend Growth (YoY) | 0.68% | 4.26% |
| Years of Dividend Growth | 11 | 2 |
| Payout Ratio | 41.1% | 29.4% |
| FCF Payout Ratio | 39.7% | 26.0% |
Shares
| Measure | United Bankshares | Industry median |
|---|---|---|
| Shares Outstanding | 136,213,000 | 18,839,100 |
| Shares Change (YoY) | 0.91% | 0.39% |
| Float | 132,921,000 | 17,061,900 |
| Shares Held by Insiders | 2.42% | 5.89% |
| Shares Held by Institutions | 75.7% | 61.9% |
Taxes
| Measure | United Bankshares | Industry median |
|---|---|---|
| Income Tax | $129.36M | $14.50M |
| Effective Tax Rate | 20.1% | 21.1% |
Scores
| Measure | United Bankshares | Industry median |
|---|---|---|
| Graham Number | $57.80 | $45.31 |
| Graham Upside | 24.8% | 21.6% |
| Altman Z-Score | 0.27 | 0.21 |
| Piotroski F-Score | 6 | 6 |
Calculated by StockData from United Bankshares's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.