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United bankshares, inc.UBSI.US Overview

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UBSI Recent Performance

0.71%

United bankshares, inc.

1.79%

Avg of Sector

-0.31%

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UBSI Key Information

UBSI Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

UBSI Profile

United Bankshares, Inc., a financial holding company, 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, NOW accounts, and interest-bearing checking accounts. Its loan products include commercial loans and leases; construction and real estate loans; personal, student, credit card, 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 of December 31, 2021, the company operated 250 offices in Virginia, Maryland, Washington, D.C., North Carolina, South Carolina, Georgia, Pennsylvania, West Virginia, and Ohio. United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia.

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This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

UBSI Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
3.31
PE Ratio (TTM)
12.63
Forward PE
13.58
PS Ratio (TTM)
4.79
PB Ratio
1.11
Price-to-FCF
11.83
METRIC
VALUE
vs. INDUSTRY
Gross Margin
89.30%
Net Margin
34.86%
Revenue Growth (YoY)
32.01%
Profit Growth (YoY)
17.89%
3-Year Revenue Growth
20.43%
3-Year Profit Growth
6.46%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
3.31
PE Ratio (TTM)
12.63
Forward PE
13.58
PS Ratio (TTM)
4.79
PB Ratio
1.11
Price-to-FCF
11.83
Gross Margin
89.30%
Net Margin
34.86%
Revenue Growth (YoY)
32.01%
Profit Growth (YoY)
17.89%
3-Year Revenue Growth
20.43%
3-Year Profit Growth
6.46%

  • When is UBSI's latest earnings report released?

    The most recent financial report for United bankshares, inc. (UBSI) covers the period of 2025Q4 and was published on 2025/12/01. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating UBSI's short-term business performance and financial health. For the latest updates on UBSI's earnings releases, visit this page regularly.

  • Where does UBSI fall in the P/E River chart?

    According to historical valuation range analysis, United bankshares, inc. (UBSI)'s current price-to-earnings (P/E) ratio is 10.47, placing it in the Watch zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of UBSI?

    According to the latest financial report, United bankshares, inc. (UBSI) reported an Operating Profit of 166.68M with an Operating Margin of 36.16% this period, representing a growth of 37.68% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is UBSI's revenue growth?

    In the latest financial report, United bankshares, inc. (UBSI) announced revenue of 460.99M, with a Year-Over-Year growth rate of 80.61%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much debt does UBSI have?

    As of the end of the reporting period, United bankshares, inc. (UBSI) had total debt of 198.57M, with a debt ratio of 0.01. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does UBSI have?

    At the end of the period, United bankshares, inc. (UBSI) held Total Cash and Cash Equivalents of 2.54B, accounting for 0.08 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does UBSI go with three margins increasing?

    In the latest report, United bankshares, inc. (UBSI) achieved the “three margins increasing” benchmark, with a gross margin of 69.07%%, operating margin of 36.16%%, and net margin of 27.95%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess UBSI's profit trajectory and future growth potential.

  • Is UBSI's EPS continuing to grow?

    According to the past four quarterly reports, United bankshares, inc. (UBSI)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.92. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of UBSI?

    United bankshares, inc. (UBSI)'s Free Cash Flow (FCF) for the period is 147.5M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 20.86% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.