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United Bankshares Inc

Financial Services US UBSI

43.72USD
1.14(2.68%)

Last update at 2026-06-04T20:00:00Z

Day Range

43.1043.78
LowHigh

52 Week Range

24.8238.33
LowHigh

Fundamentals

  • Previous Close 42.58
  • Market Cap4343.85M
  • Volume742724
  • P/E Ratio12.26
  • Dividend Yield4.52%
  • Revenue TTM1012.82M
  • Revenue Per Share TTM7.52
  • Gross Profit TTM 1030.87M
  • Diluted EPS TTM2.62

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 480.25M 462.85M 363.63M 328.17M 327.17M
Minority interest - - - - -
Net income 379.63M 367.74M 289.02M 260.10M 256.34M
Selling general administrative 300.34M 373.63M 369.08M 240.01M 235.90M
Selling and marketing expenses - - - - -
Gross profit 1031.61M 1008.58M 1036.75M 732.14M 712.62M
Reconciled depreciation 5.52M 5.91M -16.43600M -20.53100M -21.06100M
Ebit 585.81M 462.85M 363.63M 328.17M 456.24M
Ebitda 591.33M 468.76M 370.23M 335.19M 435.17M
Depreciation and amortization 5.52M 5.91M 6.61M 7.02M -21.06100M
Non operating income net other - - - - -
Operating income 585.81M 462.85M 363.63M 328.17M 456.24M
Other operating expenses -445.80400M -545.72700M -673.11900M -403.96700M 256.39M
Interest expense 105.56M 52.38M 108.61M 184.64M 129.07M
Tax provision 100.62M 95.11M 74.61M 64.34M 70.82M
Interest income 1006.46M 795.12M 802.27M 762.56M 717.72M
Net interest income 900.90M 742.73M 693.66M 577.92M 588.64M
Extraordinary items - - - - 0.12M
Non recurring - - - - -
Other items - - - - -
Income tax expense 100.62M 95.11M 74.61M 68.08M 70.82M
Total revenue 1031.61M 1008.58M 1036.75M 732.14M 717.36M
Total operating expenses -445.80400M -545.72700M -673.11900M -403.96700M -256.38800M
Cost of revenue - - - - 4.73M
Total other income expense net -105.55900M -52.38300M -108.60900M -184.64000M -129.07000M
Discontinued operations - - - - -
Net income from continuing ops 379.63M 367.74M 289.02M 260.10M 256.34M
Net income applicable to common shares 379.63M 367.74M 289.02M 260.10M 256.34M
Preferred stock and other adjustments - - - - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 29982.36M 29489.38M 29328.90M 26184.25M 19662.32M
Intangible assets 4.55M 39.92M 47.56M 47.88M 29.93M
Earning assets - - - - 3714.09M
Other current assets 1712.98M -1.07900M 14979.90M 15706.48M 12028.03M
Total liab 25211.12M 24973.19M 24610.27M 21886.63M 16298.49M
Total stockholder equity 4771.24M 4516.19M 4718.63M 4297.62M 3363.83M
Deferred long term liab - - - - -
Other current liab 18146.67M -84.94900M -128.84400M -142.30000M -374.65400M
Common stock 355.64M 355.03M 353.40M 334.52M 263.74M
Capital stock 355.64M 355.03M 353.40M 334.52M 263.74M
Retained earnings 1745.62M 1575.43M 1390.78M 1205.39M 1132.58M
Other liab - 46.19M 227.07M 221.59M 1.73M
Good will 1888.89M 1888.89M 1886.49M 1796.85M 1478.01M
Other assets - 21517.80M 15151.78M 15854.56M 12093.92M
Cash 1597.77M 1176.65M 3758.17M 2209.07M 837.49M
Cash and equivalents - - - - -
Total current liabilities 19859.07M 75.75M 128.84M 142.30M 374.65M
Current deferred revenue - - - - -
Net debt 480.31M 1257.45M -2725.22900M -1129.18600M 1436.53M
Short term debt 1712.41M 160.70M 128.84M 142.30M 374.65M
Short long term debt - 160.70M 128.84M 142.30M 374.65M
Short long term debt total 2078.08M 2434.10M 1032.94M 1079.88M 2274.03M
Other stockholder equity 2929.66M 2918.47M 2979.34M 2735.33M 2002.39M
Property plant equipment - 199.16M 81.94M 175.82M 96.64M
Total current assets 1712.98M 5812.39M 7865.38M 5229.26M 3332.87M
Long term investments 4125.75M 4872.60M 4295.75M 18296.63M 14246.19M
Net tangible assets - 2627.30M 2807.72M 2500.77M 1885.82M
Short term investments 3786.38M 4541.93M 4042.70M 2953.36M 2437.30M
Net receivables 111.42M 94.89M 64.51M 66.83M 58.09M
Long term debt 1789.10M 2197.66M 817.39M 279.84M 236.16M
Inventory 1487.52M 2.05M 14.82M 22.59M 15.52M
Accounts payable - 189.73M 23350.26M 202.34M 170.31M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -259.68100M -332.73200M -4.88800M 22.37M -34.86900M
Additional paid in capital - - - - -
Common stock total equity - 355.03M 353.40M 334.52M 263.74M
Preferred stock total equity - - - - -
Retained earnings total equity - 1575.43M 1390.78M 1205.39M 1132.58M
Treasury stock - -250.40400M -170.61800M -159.13900M -137.78800M
Accumulated amortization - - - - -
Non currrent assets other 24169.40M -4713.36200M -6311.74200M -5100.43000M -4235.52500M
Deferred long term asset charges - - - - -
Non current assets total 28269.38M 2159.19M 6311.74M 5100.43M 4235.52M
Capital lease obligations 92.89M 75.75M 86.70M 73.21M 61.34M
Long term debt total - 286.88M 285.19M 279.84M 236.16M
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Investments -340.39100M -3358.96500M 103.98M -359.58300M -251.32400M
Change to liabilities - 3.87M -12.95900M -8.60800M 20.16M
Total cashflows from investing activities - -3447.65600M 15.65M 137.59M -379.04800M
Net borrowings - 1411.85M -138.00200M -1579.35400M 363.33M
Total cash from financing activities -51.94000M 105.32M 923.91M 1093.54M 48.45M
Change to operating activities - 61.24M 29.75M 37.66M -3.28700M
Net income 365.43M 379.63M 367.74M 289.02M 260.10M
Change in cash 422.29M -2581.51800M 1549.10M 1371.58M -182.90300M
Begin period cash flow 1176.65M 3758.17M 2209.07M 837.49M 1020.40M
End period cash flow 1598.94M 1176.65M 3758.17M 2209.07M 837.49M
Total cash from operating activities 408.74M 760.82M 609.54M 140.45M 147.69M
Issuance of capital stock - - - 0.00100M 0.00100M
Depreciation 22.31M 23.67M 7.91M -16.43600M -20.53100M
Other cashflows from investing activities - -71.82900M -72.94400M 516.19M -116.64100M
Dividends paid 194.73M 193.04M 181.28M 162.71M 138.94M
Change to inventory - - - - -
Change to account receivables -16.53000M -30.37000M 2.56M 1.11M 2.51M
Sale purchase of stock -1.38200M -79.46000M -11.21100M -21.31700M -35.67300M
Other cashflows from financing activities 554.42M 887.52M 1714.19M 0.00100M 1358.06M
Change to netincome - 322.35M 201.76M -170.91100M -107.48100M
Capital expenditures 11.69M 16.86M 15.38M 19.02M 11.08M
Change receivables - -30.37000M 2.56M 1.11M 2.51M
Cash flows other operating - 53.55M 21.14M 6.42M -7.06700M
Exchange rate changes - - - - -
Cash and cash equivalents changes - -2581.51800M 1549.10M 1371.58M -182.90300M
Change in working capital -1.36400M 30.88M 32.31M 38.77M -0.77500M
Stock based compensation 12.46M 9.88M 8.02M 5.98M 4.91M
Other non cash items 12.82M 309.88M 190.55M -176.71100M -110.21800M
Free cash flow 397.05M 743.96M 594.16M 121.42M 136.61M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
UBSI
United Bankshares Inc		 1.14 2.68% 43.72 12.26 12.66 4.37 0.94
HDB
HDFC Bank Limited ADR		 0.48 2.04% 24.03 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 0.04 0.15% 30.44 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 1.22 2.50% 50.10 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

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Profile

United Bankshares, Inc., through its subsidiaries, 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, and NOW accounts. Its loan products include commercial loans and leases to small to mid-size industrial and commercial companies; construction and real estate loans, such as commercial and residential mortgages, and loans secured by owner-occupied real estate; personal, student, credit card receivables, personal, 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 well as investment management and retirement planning services. United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia.

United Bankshares Inc

300 United Center, Charleston, WV, United States, 25301

Key Executives

Name Title Year Born
Mr. Richard M. Adams Sr. Exec. Chairman 1947
Mr. Richard Matthew Adams Jr., M.D. CEO & Director 1968
Mr. James J. Consagra Jr., CPA Pres 1961
Mr. W. Mark Tatterson Exec. VP, CFO & Treasurer 1975
Mr. Jerold L. Rexroad CPA, CPA Exec. VP & Director 1960
Mr. Matthew Lee Humphrey Head of Wealth & Investment Management NA
Mr. Darren K. Williams Exec. VP and Chief Information & Risk Officer 1972
Ross M. Draber Chief Admin. Officer NA
Mr. Douglas Bryon Ernest Exec. VP & Chief Credit Officer 1964
Charles J. Mildren Chief Consumer Banking Officer NA

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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