| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | — | — | 1 | — | — | — | — | — | — | — | — |
| Sell | — | — | — | — | — | — | — | — | — | — | — | 1 |
| total | individual payouts | |
|---|---|---|
| 2027 | ‡‡‡‡‡ |
|
| 2026 | 1.53 |
—
—
—
|
| 2025 | 1.49 |
—
—
—
—
|
| 2024 | 1.48 |
—
—
—
—
|
| 2023 | 1.45 |
—
—
—
—
|
| 2022 | 1.44 |
—
—
—
—
|
| 2021 | 1.41 |
—
—
—
—
|
| 2020 | 1.40 |
—
—
—
—
|
| 2019 | 1.37 |
—
—
—
—
|
| 2018 | 1.36 |
—
—
—
—
|
| 2017 | 1.33 |
—
—
—
—
|
| 2016 | 1.32 |
—
—
—
—
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 1,598.94 | 2,292.24 | 2,542.25 | 2,081.30 |
| Receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 22,866.47 | 23,840.66 | 27,094.36 | 26,911.21 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 22,819.32 | 23,961.86 | 27,060.94 | 27,170.75 |
| ST’ Debt | — | — | — | — |
| Other | — | — | — | — |
| 23,228.55 | 24,368.22 | 27,502.01 | 27,571.70 |
| 10y | 5y | 3y | |
| Sales | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Earnings | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Book Value | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 449.99 | 456.70 | — | — |
—
|
| ’25 | 433.20 | 452.66 | 474.16 | 460.99 |
1,821.01
|
| ’24 | 401.39 | 404.41 | 414.67 | 405.35 |
1,625.82
|
| ’23 | 362.05 | 381.11 | 390.57 | 402.85 |
1,536.58
|
| ’22 | 248.82 | 271.38 | 296.43 | 338.62 |
1,155.25
|
| ’21 | 298.23 | 263.05 | 262.71 | 249.25 |
1,073.25
|
| ’20 | 217.29 | 287.11 | 345.74 | 303.03 |
1,153.16
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 160.86 | 105.16 | — | — |
—
|
| ’25 | 119.98 | 89.36 | 150.64 | 138.92 |
498.91
|
| ’24 | 124.37 | 61.19 | 123.62 | 136.28 |
445.45
|
| ’23 | 118.15 | 64.94 | 89.57 | 162.58 |
435.24
|
| ’22 | 283.61 | 206.41 | 133.76 | 137.05 |
760.82
|
| ’21 | 80.58 | 271.38 | 201.24 | 56.34 |
609.54
|
| ’20 | 21.48 | 50.62 | (117.44) | 185.78 |
140.45
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 156.02 | 98.07 | — | — |
—
|
| ’25 | 116.09 | 85.56 | 147.50 | 133.49 |
482.64
|
| ’24 | 119.66 | 58.24 | 134.53 | 133.49 |
445.92
|
| ’23 | 117.17 | 85.11 | 87.86 | 159.40 |
449.54
|
| ’22 | 280.66 | 204.08 | 128.07 | 132.05 |
744.86
|
| ’21 | 77.85 | 269.13 | 196.45 | 52.34 |
595.78
|
| ’20 | 19.47 | 46.08 | (120.84) | 181.07 |
125.78
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 0.89 | 0.95 | — | — |
—
|
| ’25 | 0.59 | 0.85 | 0.92 | 0.91 |
3.27
|
| ’24 | 0.64 | 0.71 | 0.70 | 0.69 |
2.75
|
| ’23 | 0.73 | 0.68 | 0.71 | 0.59 |
2.71
|
| ’22 | 0.60 | 0.71 | 0.76 | 0.74 |
2.80
|
| ’21 | 0.83 | 0.73 | 0.71 | 0.56 |
2.83
|
| ’20 | 0.40 | 0.44 | 0.80 | 0.71 |
2.40
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 33.11 | 25.35 | 30.68 | 30.51 | — | — | — |
Low Price
|
| ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | 44.15 | 42.45 | 44.43 | 40.52 | — | — | — |
High Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2,765 | 2,635 | 2,553 | 2,694 | — | — | — |
Employees
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.42 | 0.58 | 0.64 | 0.68 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1,155.25 | 1,536.58 | 1,625.82 | 1,821.01 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 90.86% | 68.67% | 63.65% | 67.95% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 475.78 | 463.81 | 464.58 | 583.40 | — | — | — |
EBT
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 41.18% | 30.18% | 28.58% | 32.04% | ‡‡‡ | ‡‡‡ | — |
EBT Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 379.63 | 366.31 | 373.00 | 464.60 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Net Income
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 34.71 | 38.50 | 25.68 | 0.12 | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 8.57 | 11.42 | 12.05 | 12.87 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue/Sh
|
| ‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡ | ‡‡‡‡ | 2.81 | 2.72 | 2.76 | 3.28 | ‡‡‡‡‡ | ‡‡‡‡ | — |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5.65 | 3.24 | 3.30 | 3.53 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.12) | 0.11 | 0.00 | (0.11) | ‡‡‡ | ‡‡‡ | — |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5.53 | 3.34 | 3.30 | 3.41 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 33.51 | 35.47 | 37.00 | 38.84 | — | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 134.78 | 134.51 | 134.95 | 141.50 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Shares
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 14.28 | 13.93 | 13.65 | 11.71 | ‡‡‡‡ | ‡‡‡‡ | — |
PE Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | 4.68 | 3.31 | 3.12 | 2.98 | ‡‡‡ | ‡‡‡ | — |
PS Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.20 | 1.06 | 1.01 | 0.99 | ‡‡‡ | ‡‡‡ | — |
PB Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 7.37 | 4.27 | 2.83 | 2.59 | ‡‡‡‡ | ‡‡‡‡ | — |
EV/Sales
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 11.42 | 14.60 | 10.33 | 9.53 | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 760.82 | 435.24 | 445.45 | 498.91 | ‡‡‡ | ‡‡‡ | — |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (15.96) | 14.31 | 0.46 | (16.27) | — | — | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 744.86 | 449.54 | 445.92 | 482.64 | — | — | — |
FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (1,001.75) | (362.08) | (527.56) | (407.65) | — | — | — |
Working Cap'
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4,275.66 | 1,789.10 | 540.42 | 531.82 | — | — | — |
Total Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3,099.00 | 190.16 | (1,751.82) | (2,010.43) | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4,516.19 | 4,771.24 | 4,993.22 | 5,495.98 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.29% | 1.23% | 1.24% | 1.46% | — | — | — |
ROA
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.90% | 5.84% | 8.96% | 10.46% | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 8.22% | 7.89% | 7.64% | 8.86% | — | — | — |
ROE
|
United Bankshares, Inc. (UBSI) boasts a dazzling 202% revenue surge to $1.63 billion since 2016, but contrarians see smoke and mirrors: growth is acquisition-driven, with shares outstanding up 83% and fragile organic underpinnings exposed by cratering gross margins (down 31% to 64%) amid relentless rate hikes and deposit cost pressures. Efficiency shines through workforce cuts yielding $637K revenue per employee, yet profitability flatlines—EBT margins eroded 31% to 29%, ROE middles at 7-8%, and cash flows yo-yo from PPP windfalls to halved free cash flow, masking liquidity red flags despite aggressive deleveraging.
Valuation screams bargain at 1.0x P/B and 11.7x forward P/E, with insiders net buying (no sells) signaling quiet confidence, and EPS forecasts juicing 36% cumulatively through 2027. But peel back the hype: stock lags peers post-2023 bank panics, revenue projections bizarrely dip 29% in 2026, and macro traps loom—NIM compression, recessionary loan losses, and Fed whims could turn this yield play (4% dividend) into a value trap.
Consensus shrugs with modest upside targets, but challenge it: UBSI’s resilient facade hides acquisition addiction and vulnerability in a high-stakes regional banking arena. Dive deeper for the full contrarian dissection on whether it’s a sleeper gem or poised jolt.
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