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%
Market cap
$6.4B
P/E
12.7×
Fwd P/E
12.1×
Dividend yield
3.26%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Older periods Sep '25 Dec '25 Mar '26 Jun '26
P/E ratio

+8 more quarters

12.16 11.71 11.57 12.45
P/S ratio
2.98 2.98 3.15 3.43
P/FCF ratio
10.64 10.97 10.80 11.55
P/Operating CF
34.96 39.11 35.94 60.13
P/B ratio
0.97 0.99 1.05 1.15
Price to Tangible BV
1.54 1.56 1.67 1.81
EV/Sales
1.86 1.88 2.18 2.59
EV/EBITDA
0.00 0.00 0.00 0.00
EV/Operating CF
6.61 6.86 7.43 8.59
EV/FCF
6.62 6.91 7.49 8.72
Quick Ratio
0.09 0.09 0.08 0.08
Current Ratio
0.98 0.99 0.98 0.98
Net Debt/EBITDA
0.00 0.00 0.00 0.00
Debt/Assets
1.59% 1.58% 1.58% 1.58%
Debt/Equity
0.10 0.10 0.10 0.10
Asset Turnover
0.06 0.06 0.06 0.06
Operating CF/Net income
1.15 1.08 1.30 0.80
Capex/Depreciation
0.00 0.00 0.00 0.00
Research and Development Expense of Revenue
0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue
33.50% 34.38% 35.69% 34.96%
Intangible Assets out of Total Assets
0.06 0.06 0.06 0.06
Share Based Compensation of Revenue
0.00% 0.00% 0.00% 0.00%
Graham Net Nets
(0.21) (0.20) (0.21) (0.21)
Graham Number
51.47 53.54 56.28 57.50
Earnings Yield
8.22% 8.54% 8.64% 8.03%
Free Cash Flow Yield
9.40% 9.11% 9.26% 8.66%
Revenue per Share
3.35 3.26 3.22 3.31
Operating CF per Share
1.06 0.98 1.15 0.76
Capex per Share
(0.02) (0.04) (0.03) (0.05)
Free Cash Flow per Share
1.04 0.94 1.12 0.71
Cash per Share
17.79 17.97 16.52 15.08
Shareholders Equity per Share
38.47 38.84 39.32 39.94
Interest Debt per Share
0.00 0.00 0.00 0.00
Book value per Share
38.47 38.84 39.32 39.94
Free Cash Flow
147.50 133.49 156.02 98.07
Working Capital
(426.83) (407.65) (546.79) (660.49)
Capital Expenditures
(3.14) (5.43) (4.84) (7.09)
Net Current Asset Value
(1,086.79) (1,069.94) (1,209.97) (1,330.08)
EV/EBIT
0.00 0.00 0.00 0.00
Capex to Sales
0.01 0.01 0.01 0.02
Price to Operating Income
9.67 9.31 9.14 9.81
Other line items
Average Payables
25,355.94 25,511.40 26,742.76 26,753.31
Average Assets
31,635.22 31,841.91 33,246.94 33,267.60
Average Common Equity
5,206.77 5,244.60 5,401.29 5,437.54

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Columns are period end dates