United Bankshares Inc.

UBSI | NASDAQ

Price Alert Chart Builder DCF Calculator

$46.76

-$0.35 (-0.74%)

At close: Sep 21, 2026, 4:00 PM ET

$46.75

-$0.01 (-0.02%)

After-hours: Sep 21, 2026, 7:30 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $6.49B

Enterprise Value $1.21B

Beta 0.72

Average Volume 910.8K

Shares Outstanding (Diluted) N/A

Shares Change YoY -1.65%

Institutional Ownership 71.81%

Exchange NASDAQ

ISIN US9099071071

Price Performance

Price Change 1M -2.1%

Price Change 3M 3.3%

Price Change 6M 14.5%

Price Change YTD 21.8%

Price Change 1Y 25.9%

Price Change 3Y 74.9%

Price Change 5Y 38.8%

1M CAGR (ann.) -2.2%

1Y CAGR (ann.) 31.4%

5Y CAGR (ann.) 11.5%

All-Time CAGR 5.5%

Valuation

PE Ratio 17.19

Forward PE 11.94

PEG Ratio 0.44

Forward PEG 3.17

PS Ratio 4.66

Forward PS 4.80

PB Ratio 1.17

P/FCF Ratio 12.23

P/Adj. FCF Ratio 12.23

P/OCF Ratio 11.75

EV/Sales 0.87

EV/EBIT 2.48

EV/EBITDA 2.48

EV/FCF 2.30

Earnings Yield 5.8%

FCF Yield 8.2%

Adj. FCF Yield 8.2%

Financial Health

Net Cash $5.23B

Total Debt $167M

Cash & Short-Term Investments $5.4B

Total Assets $33.75B

Current Ratio 32.34

Quick Ratio 32.34

Debt / Equity Ratio 0.15

Debt / EBITDA 0.34

Debt / FCF 0.32

OCF / Debt 3.23

Interest Coverage 1.09

Altman Z-Score 0.41

Piotroski F-Score 8

Margins & Profitability

Gross Profit Margin 67.8%

Operating Profit Margin 35.2%

EBITDA Margin 34.1%

Net Profit Margin 28.6%

FCF Margin 38.1%

Adj. FCF Margin 38.1%

SBC / Revenue 0.0%

SBC Impact (per share) N/A

Returns

Return on Assets 1.5%

Return on Equity 9.4%

Return on Invested Capital 6.4%

Return on Capital Employed 1.8%

Return on Tangible Assets 1.6%

Historical Growth (CAGR)

Revenue CAGR 3Y 0.4%

Revenue CAGR 5Y 3.0%

Revenue CAGR 10Y 10.6%

EPS CAGR 3Y -2.2%

EPS CAGR 5Y -2.4%

EPS CAGR 10Y 3.5%

FCF CAGR 3Y -3.1%

FCF CAGR 5Y 24.0%

FCF CAGR 10Y 11.8%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 11

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 21, 2026

EPS Estimate (next Q) $0.93

EPS Growth Est (next Q) 1.1%

Revenue Est (next Q) $327.3M

Revenue Growth Est (next Q) 1.0%

Fair Value Estimates

Graham Number $49.15

Graham Upside 5.1%

Lynch Fair Value $13.60

Lynch Upside -70.9%

Price Target $49.50

Price Target Upside 5.9%

Cash Flow

Operating Cash Flow $539.78M

Free Cash Flow $526.88M

Adj. Free Cash Flow $526.88M

FCF Per Share $3.95

OCF Per Share $3.98

OCF/S Ratio 30.8%

Income Statement

Revenue $1.38B

Gross Profit $936.75M

Operating Income $487.15M

EBITDA $487.15M

Net Income $515.15M

EPS (Diluted) $2.72

Revenue / Employee $513.54K

Profit / Employee $191.22K

Employees 2,694

Dividends

Annual Dividend $1.52

Dividend Yield 3.25%

Payout Ratio 55.9%

FCF Payout Ratio 40.2%

Adj. FCF Payout Ratio 40.2%

Dividend Growth (YoY) 2.7%

Pay Frequency Quarterly

Ex-Dividend Date Sep 10, 2026