UBSI United Bankshares, Inc. - Common Stock

NASDAQ · Banking · View on SEC EDGAR ↗
$42.65
Price · May 20, 2026
Fundamentals as of May 8, 2026
52W Range
$34–$46
74% of range
Analyst Rating
BUY
11 analysts
Price Target
$47
+11% upside
P/E (TTM)
11.7
ROE
8.6%
Net Profit Margin
37.5%

UBSI Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

Price
$42.65
Market Cap
—
P/E (TTM)
11.7
EPS (TTM)
$3.27
Revenue (TTM)
—
Div Yield
—
ROE
8.6%
Debt/Equity
0.0
52W Range
$34 – $46

UBSI Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

10-Year Performance Revenue, net income, margins and EPS trends

Revenue & Net Income —
5-point trend, +30.2%
2018-12-31 → 2022-12-31
EPS $3.27
10-point trend, +64.3%
2016-12-31 → 2025-12-31
Free Cash Flow $481M
10-point trend, +201.8%
2016-12-31 → 2025-12-31
Margins 37.5%

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric
5Y trend
UBSI
Peer Median
P/E (TTM)
5-point trend, -8.4%
11.7
12.6

Profitability Gross, operating and net margins; ROE, ROA, ROIC

Metric
5Y trend
UBSI
Peer Median
Net Profit Margin
5-point trend, -66.2%
37.5%
31.4%
ROA
5-point trend, +10.6%
1.5%
1.1%
ROE
5-point trend, +6.5%
8.6%
8.4%

Financial Health Debt, liquidity, solvency — balance sheet strength

Metric
5Y trend
UBSI
Peer Median
Debt / Equity
5-point trend, +32.2%
0.0
16.8

Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR

Metric
5Y trend
UBSI
Peer Median
EPS YoY
5-point trend, +15.5%
18.9%
—
Net Income YoY
5-point trend, +26.3%
24.6%
—

Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

Metric
5Y trend
UBSI
Peer Median
EPS (Diluted)
5-point trend, +15.5%
$3.27
—

Capital Efficiency Asset turnover, inventory turnover, receivables turnover

Metric
5Y trend
UBSI
Peer Median
Payout Ratio
5-point trend, -8.7%
45.0%
—

Dividends Yield, payout ratio, dividend history, 5Y CAGR

Dividend Yield
—
Payout Ratio
45.0%
5Y Div CAGR
—
Ex-dateAmount
March 13, 2026$0.3800
Dec. 12, 2025$0.3800
Sept. 12, 2025$0.3700
June 13, 2025$0.3700
March 14, 2025$0.3700
Dec. 13, 2024$0.3700
Sept. 13, 2024$0.3700
June 14, 2024$0.3700
March 7, 2024$0.3700
Dec. 7, 2023$0.3700
Sept. 7, 2023$0.3600
June 8, 2023$0.3600
March 9, 2023$0.3600
Dec. 8, 2022$0.3600
Sept. 8, 2022$0.3600
June 9, 2022$0.3600
March 10, 2022$0.3600
Dec. 1, 2021$0.3600
Sept. 9, 2021$0.3500
June 10, 2021$0.3500

UBSI Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

BUY 11 analysts
  • Strong Buy 2 18.2%
  • Buy 5 45.5%
  • Hold 4 36.4%
  • Sell 0 0.0%
  • Strong Sell 0 0.0%

12-Month Price Target

5 analysts · 2026-05-20
Median target $47.00 +10.2%
Mean target $47.40 +11.1%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

Avg Surprise
0.03%
Period EPS Actual EPS Est Surprise
March 31, 2026 $0.89 $0.87 0.02%
Dec. 31, 2025 $0.91 $0.88 0.03%
Sept. 30, 2025 $0.92 $0.84 0.08%
June 30, 2025 $0.85 $0.78 0.07%
March 31, 2025 $0.59 $0.65 -0.06%

Peer Comparison Key metrics vs sector peers

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
UBSI — 11.7 — 37.5% 8.6% —
PB $6.43B 12.1 4.8% 43.4% 7.1% —
CBC — 13.8 13.8% 38.3% 11.3% —
FNB $3M 11.0 10.6% 32.0% 8.5% —
GBCI $5.73B 22.1 7.5% 236.5% 6.2% —
ABCB — 12.4 5.7% 34.1% 10.3% —
FLG $5.24B -25.2 — -8.6% -2.2% —
OZK — — — — — —
HWC $5.24B 11.2 4.8% 32.1% 11.0% —
AUB $5.00B 17.4 68.1% 19.9% 5.6% —
HOMB $5.45B 11.5 7.2% 43.6% 11.3% —

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Income Statement 11
Annual Income Statement data for UBSI
Metric Trend 20252024202320222021202020192018
Revenue 5-point trend, +30.2% · · · $312M $331M $263M $277M $240M
Interest Expense 6-point trend, +273.0% · · $481M $106M $52M $109M $185M $129M
Interest Income 8-point trend, +134.9% $1.69B $1.50B $1.40B $1.00B $795M $798M $763M $718M
Pretax Income 8-point trend, +78.3% $583M $465M $464M $476M $463M $360M $324M $327M
Income Tax 8-point trend, +67.7% $119M $92M $97M $96M $95M $71M $64M $71M
Net Income 8-point trend, +81.2% $465M $373M $366M $380M $368M $289M $260M $256M
EPS (Basic) 8-point trend, +33.3% $3.28 $2.76 $2.72 $2.81 $2.84 $2.40 $2.55 $2.46
EPS (Diluted) 8-point trend, +33.5% $3.27 $2.75 $2.71 $2.80 $2.83 $2.40 $2.55 $2.45
Shares (Basic) 8-point trend, +36.0% 141,497,205 134,947,592 134,505,058 134,776,241 129,276,452 120,017,247 101,585,599 104,015,976
Shares (Diluted) 8-point trend, +36.0% 141,827,360 135,225,417 134,753,820 135,117,512 129,512,853 120,090,232 101,852,577 104,298,825
EBITDA 2-point trend, +2.5% · · · · · · $-21M $-21M
Balance Sheet 15
Annual Balance Sheet data for UBSI
Metric Trend 20252024202320222021202020192018
PP&E (Net) 8-point trend, +119.3% $209M $186M $191M $199M $197M $176M $97M $95M
PP&E (Gross) 8-point trend, +91.1% $473M $422M $429M $424M $399M $360M $250M $248M
Accum. Depreciation 8-point trend, +73.4% $264M $236M $238M $225M $202M $184M $153M $152M
Goodwill 8-point trend, +36.6% $2.02B $1.89B $1.89B $1.89B $1.89B $1.80B $1.48B $1.48B
Total Assets 8-point trend, +74.9% $33.66B $30.02B $29.93B $29.49B $29.33B $26.18B $19.66B $19.25B
Short-term Debt 8-point trend, +12.4% $199M $176M $196M $161M $129M $142M $125M $177M
Total Liabilities 8-point trend, +76.0% $28.16B $25.03B $25.16B $24.97B $24.61B $21.89B $16.30B $16.00B
Long-term Debt 8-point trend, -64.5% $532M $540M $1.79B $2.20B $817M $864M $1.84B $1.50B
Total Debt 8-point trend, +12.6% $199M $176M $196M $161M $129M $142M $125M $176M
Common Stock 8-point trend, +43.3% $377M $357M $356M $355M $353M $335M $264M $263M
Retained Earnings 8-point trend, +114.2% $2.17B $1.92B $1.75B $1.58B $1.39B $1.21B $1.13B $1.01B
Treasury Stock 8-point trend, +274.1% $381M $253M $252M $250M $171M $159M $138M $102M
AOCI 8-point trend, -143.7% $-139M $-224M $-260M $-333M $-5M $22M $-35M $-57M
Stockholders' Equity 8-point trend, +69.0% $5.50B $4.99B $4.77B $4.52B $4.72B $4.30B $3.36B $3.25B
Liabilities + Equity 8-point trend, +74.9% $33.66B $30.02B $29.93B $29.49B $29.33B $26.18B $19.66B $19.25B
Cash Flow 17
Annual Cash Flow data for UBSI
Metric Trend 20252024202320222021202020192018
D&A 2-point trend, +2.5% · · · · · · $-21M $-21M
Stock-based Comp 8-point trend, +221.4% $13M $12M $12M $10M $8M $6M $5M $4M
Deferred Tax 3-point trend, +669.8% $17M $-3M $-3M · · · · ·
Amort. of Intangibles 8-point trend, +16.5% $9M $4M $5M $6M $6M $7M $7M $8M
Other Non-cash 2-point trend, -282.0% · · · · · · $-97M $53M
Operating Cash Flow 8-point trend, +69.7% $499M $445M $435M $761M $610M $140M $152M $294M
CapEx 8-point trend, +206.7% $18M $12M $12M $17M $15M $19M $11M $6M
Investing Cash Flow 8-point trend, -3.0% $-899M $571M $39M $-3.45B $16M $138M $-383M $-873M
Stock Issued · · · · · · · $0
Stock Repurchased 8-point trend, +26.1% $127M $1M $1M $79M $11M $21M $36M $101M
Net Stock Activity 8-point trend, -26.1% $-127M $-1M $-1M $-79M $-11M $-21M $-36M $-101M
Dividends Paid 8-point trend, +46.8% $209M $201M $195M $193M $181M $163M $139M $142M
Financing Cash Flow 8-point trend, +1073.8% $650M $-324M $-52M $105M $924M $1.09B $48M $-67M
Net Change in Cash · · · · · · · $-646M
Taxes Paid 3-point trend, +8.5% $114M $86M $105M · · · · ·
Free Cash Flow 8-point trend, +67.8% $481M $433M $424M $744M $594M $121M $137M $287M
Levered FCF 6-point trend, -76.7% · · $43M $660M $553M $34M $-11M $186M
Profitability 5
Annual Profitability data for UBSI
Metric Trend 20252024202320222021202020192018
Net Margin 8-point trend, +5.1% 37.5% 36.0% 34.7% 121.7% 111.1% 109.8% 35.7% 35.7%
Pretax Margin 8-point trend, +3.4% 47.1% 44.9% 44.0% 152.5% 139.8% 136.7% 44.5% 45.6%
EBITDA Margin 2-point trend, +4.1% · · · · · · -2.8% -2.9%
ROA 8-point trend, +9.0% 1.5% 1.2% 1.2% 1.3% 1.3% 1.3% 1.3% 1.3%
ROE 8-point trend, +8.6% 8.6% 7.5% 7.8% 8.5% 8.0% 6.8% 7.7% 7.9%
Liquidity & Solvency 1
Annual Liquidity & Solvency data for UBSI
Metric Trend 20252024202320222021202020192018
Debt / Equity 8-point trend, -33.4% 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.1
Efficiency 1
Annual Efficiency data for UBSI
Metric Trend 20252024202320222021202020192018
Asset Turnover 8-point trend, +3.7% 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Per Share 4
Annual Per Share data for UBSI
Metric Trend 20252024202320222021202020192018
Revenue / Share 8-point trend, +26.8% $8.72 $7.65 $7.83 $2.31 $2.56 $2.19 $7.15 $6.88
Cash Flow / Share 8-point trend, +25.4% $3.52 $3.29 $3.23 $5.63 $4.71 $1.17 $1.45 $2.80
Dividend Paid / Share 8-point trend, +9.6% $1 $1 $1 $1 $1 $1 $1 $1
EPS (TTM) 8-point trend, +33.5% $3.27 $2.75 $2.71 $2.80 $2.83 $2.40 $2.55 $2.45
Growth Rates 8
Annual Growth Rates data for UBSI
Metric Trend 20252024202320222021202020192018
Revenue YoY 2-point trend, -122.3% · · · -5.7% 25.7% · · ·
EPS YoY 5-point trend, +5.5% 18.9% 1.5% -3.2% -1.1% 17.9% · · ·
EPS CAGR 3Y 3-point trend, +28.6% 5.3% -0.95% 4.1% · · · · ·
EPS CAGR 5Y 6.4% · · · · · · ·
Net Income YoY 5-point trend, -9.8% 24.6% 1.8% -3.5% 3.2% 27.2% · · ·
Net Income CAGR 3Y 3-point trend, -15.3% 7.0% 0.47% 8.2% · · · · ·
Net Income CAGR 5Y 10.0% · · · · · · ·
Dividend CAGR 5Y 5.1% · · · · · · ·
Valuation (TTM) 6
Annual Valuation (TTM) data for UBSI
Metric Trend 20252024202320222021202020192018
Revenue TTM 5-point trend, +30.2% · · · $312M $331M $263M $277M $240M
Net Income TTM 8-point trend, +81.2% $465M $373M $366M $380M $368M $289M $260M $256M
P/E 8-point trend, -7.5% 11.7 13.7 13.9 14.5 12.8 13.5 15.2 12.7
Earnings Yield 8-point trend, +8.1% 8.5% 7.3% 7.2% 6.9% 7.8% 7.4% 6.6% 7.9%
Payout Ratio 8-point trend, -19.0% 45.0% 53.8% 53.2% 50.8% 49.3% 56.3% 53.4% 55.5%
Annual Payout 8-point trend, +46.8% $209M $201M $195M $193M $181M $163M $139M $142M

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Income Statement
2025-12-312024-12-312023-12-312022-12-312021-12-31
Revenue ———$312M$331M
Net Income $465M$373M$366M$380M$368M
Diluted EPS $3.27$2.75$2.71$2.80$2.83
Balance Sheet
2025-12-312024-12-312023-12-312022-12-312021-12-31
Debt / Equity 0.00.00.00.00.0
Cash Flow
2025-12-312024-12-312023-12-312022-12-312021-12-31
Free Cash Flow $481M$433M$424M$744M$594M

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