Saturday 17 October 2026
Export UBSI’s income statement to Excel — free account
United Bankshares, Inc.
UBSI Financial Banks Regional
United Bankshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.8 billion, up 12.0% from fiscal 2024. In the quarter to June 2026, revenue was flat, EPS grew 11.8%, free cash flow grew 14.6% and total debt fell 3.34%, each against the same quarter a year earlier. Dividend growth for twenty-five consecutive years, revenue growth for three; insiders bought in the last twelve months.
46.69
0.09
+0.19%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
23.17 | 22.34 | 12.65 | 15.16 | 13.79 | 12.82 | 14.28 | 13.93 | 13.65 | 11.71 |
Piotroski F-Score |
5 | 4 | 5 | 5 | 5 | 6 | 5 | 7 | 6 | 8 |
P/S ratio |
6.27 | 4.50 | 3.82 | 4.30 | 3.37 | 4.37 | 4.68 | 3.31 | 3.12 | 2.98 |
P/FCF ratio |
20.67 | 14.18 | 10.91 | 27.83 | 30.92 | 7.87 | 7.26 | 11.30 | 11.36 | 10.97 |
P/Operating CF |
75.69 | 26.39 | 42.99 | 64.37 | 20.93 | 83.24 | 39.47 | 31.24 | 37.18 | 39.11 |
P/B ratio |
1.52 | 1.05 | 1.00 | 1.17 | 0.90 | 0.99 | 1.20 | 1.06 | 1.01 | 0.99 |
Price to Tangible BV |
2.47 | 1.93 | 1.82 | 2.08 | 1.57 | 1.67 | 2.08 | 1.76 | 1.63 | 1.56 |
EV/Sales |
5.69 | 4.30 | 4.60 | 5.67 | 2.21 | 1.63 | 5.57 | 3.43 | 2.04 | 1.88 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
18.02 | 12.78 | 13.23 | 34.07 | 18.11 | 2.87 | 8.45 | 12.11 | 7.44 | 6.86 |
EV/FCF |
18.76 | 13.55 | 13.11 | 36.69 | 20.23 | 2.94 | 8.63 | 11.72 | 7.44 | 6.91 |
Quick Ratio |
0.13 | 0.12 | 0.07 | 0.06 | 0.11 | 0.16 | 0.05 | 0.07 | 0.09 | 0.09 |
Current Ratio |
1.05 | 1.04 | 1.02 | 1.05 | 0.97 | 0.94 | 0.96 | 0.98 | 0.98 | 0.99 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
7.73% | 7.94% | 8.70% | 10.62% | 3.30% | 2.79% | 7.45% | 5.98% | 1.80% | 1.58% |
Debt/Equity |
0.50 | 0.47 | 0.51 | 0.62 | 0.20 | 0.17 | 0.49 | 0.38 | 0.11 | 0.10 |
Asset Turnover |
0.04 | 0.05 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.06 |
Operating CF/Net income |
1.16 | 1.69 | 1.15 | 0.58 | 0.49 | 1.66 | 2.00 | 1.19 | 1.19 | 1.07 |
Capex/Depreciation |
1.88 | 0.79 | (0.15) | 0.86 | 6.99 | (0.62) | (0.46) | 0.37 | 0.02 | (140.26) |
| 7.45% | 5.50% | 7.90% | 7.86% | 7.54% | 8.16% | 8.22% | 7.89% | 7.64% | 8.86% | |
| 1.09% | 0.90% | 1.34% | 1.34% | 1.26% | 1.32% | 1.29% | 1.23% | 1.24% | 1.46% | |
ROIC |
7.24% | 5.76% | 5.24% | 4.39% | 7.61% | 16.27% | 5.37% | 5.84% | 8.96% | 10.46% |
Return on Tangible Assets |
21.74% | 20.89% | 57.19% | 29.99% | (71.62%) | (27.39%) | (47.30%) | (213.52%) | (109.25%) | (233.68%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
50.47% | 52.39% | 46.10% | 44.24% | 59.39% | 51.99% | 49.68% | 38.49% | 35.07% | 35.91% |
Intangible Assets out of Total Assets |
0.06 | 0.08 | 0.08 | 0.08 | 0.07 | 0.07 | 0.06 | 0.06 | 0.06 | 0.06 |
Share Based Compensation of Revenue |
0.52% | 0.47% | 0.48% | 0.54% | 0.52% | 0.75% | 0.86% | 0.81% | 0.75% | 0.72% |
Graham Net Nets |
(0.15) | (0.26) | (0.41) | (0.35) | (0.40) | (0.53) | (0.61) | (0.45) | (0.23) | (0.20) |
Graham Number |
36.90 | 34.15 | 41.60 | 43.59 | 43.51 | 48.21 | 46.03 | 46.51 | 47.85 | 53.54 |
Earnings Yield |
4.32% | 4.48% | 7.91% | 6.60% | 7.25% | 7.80% | 7.00% | 7.18% | 7.32% | 8.54% |
Free Cash Flow Yield |
4.84% | 7.05% | 9.17% | 3.59% | 3.23% | 12.70% | 13.77% | 8.85% | 8.80% | 9.11% |
Revenue per Share |
7.35 | 7.75 | 8.14 | 8.99 | 9.61 | 8.30 | 8.57 | 11.42 | 12.05 | 12.87 |
Operating CF per Share |
2.32 | 2.60 | 2.83 | 1.50 | 1.17 | 4.72 | 5.65 | 3.24 | 3.30 | 3.53 |
Capex per Share |
(0.09) | (0.15) | 0.03 | (0.11) | (0.12) | (0.11) | (0.12) | 0.11 | 0.00 | (0.11) |
Free Cash Flow per Share |
2.23 | 2.46 | 2.85 | 1.39 | 1.05 | 4.61 | 5.53 | 3.34 | 3.30 | 3.41 |
Cash per Share |
19.51 | 17.09 | 9.81 | 8.24 | 18.41 | 29.07 | 8.73 | 11.89 | 16.99 | 17.97 |
Shareholders Equity per Share |
30.41 | 33.24 | 31.26 | 33.11 | 35.81 | 36.50 | 33.51 | 35.47 | 37.00 | 38.84 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
30.41 | 33.24 | 31.26 | 33.11 | 35.81 | 36.50 | 33.51 | 35.47 | 37.00 | 38.84 |
Free Cash Flow |
164.02 | 239.59 | 296.66 | 141.13 | 125.78 | 595.78 | 744.86 | 449.54 | 445.92 | 482.64 |
Working Capital |
600.66 | 615.96 | 352.98 | 770.77 | (579.38) | (1,540.01) | (1,001.75) | (362.08) | (527.56) | (407.65) |
Capital Expenditures |
(6.72) | (14.34) | 2.62 | (10.83) | (14.67) | (13.76) | (15.96) | 14.31 | 0.46 | (16.27) |
Net Current Asset Value |
(522.40) | (898.70) | (1,322.51) | (1,380.33) | (1,536.21) | (2,475.54) | (3,321.35) | (2,288.77) | (1,189.66) | (1,069.94) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.02 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | (0.01) | 0.00 | 0.01 |
Price to Operating Income |
15.22 | 11.93 | 9.89 | 12.10 | 10.75 | 10.13 | 11.37 | 10.95 | 10.91 | 9.31 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
(0.05) | (0.17) | (0.18) | (0.13) | (0.01) | 0.11 | 0.17 | 0.20 | 0.14 | 0.00 |
Cash ROIC |
3.42% | 3.73% | 4.99% | 2.24% | 1.71% | 6.41% | 9.44% | 5.51% | 5.70% | 5.63% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.02 | 0.03 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
87,555.16 | 67,480.72 | 39,576.07 | 27,383.74 | 69,180.12 | 162,702.50 | 77,119.50 | 17,301.87 | 14,797.45 | 16,922.10 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
10,069.20 | 12,313.73 | 13,912.67 | 13,923.59 | 17,218.79 | 21,967.71 | 22,826.72 | 22,561.25 | 23,390.59 | 25,511.40 |
Average Assets |
13,543.42 | 16,783.93 | 19,154.73 | 19,456.41 | 22,923.29 | 27,756.58 | 29,409.14 | 29,707.93 | 29,975.01 | 31,841.91 |
Average Common Equity |
1,974.19 | 2,738.14 | 3,246.08 | 3,307.73 | 3,830.73 | 4,508.12 | 4,617.41 | 4,643.72 | 4,882.23 | 5,244.60 |
Columns are period end dates