United Bankshares (UBSI) Stock & Financials
Data as of (550 days ago)|Source: SEC EDGAR
United Bankshares (UBSI) is a regional banks company. The company reports annual revenue of $312M and net income of $373M.
What to check next
For informational purposes only. Not investment advice. Data may be delayed or inaccurate; verify independently. The information on this page is for informational purposes only and does not constitute investment advice, financial advice, or any recommendation. Billiver does not recommend buying, selling, or holding any security. Past performance is not indicative of future results. Data may be delayed and accuracy is not guaranteed. All investment decisions are solely your responsibility. Verify information independently and consult a qualified financial advisor before investing.
United Bankshares Key Financials
Data from SEC EDGAR filings. TTM = Trailing Twelve Months.
United Bankshares Financial Health ScoreFY2025
Moderate health; several metrics need attention
0 pts YoYThis Financial Health Score is a proprietary metric calculated from SEC EDGAR filings for educational and informational purposes only. It does not constitute investment advice or a recommendation to buy or sell any security. Results vary significantly by industry. Conduct your own research before making investment decisions.
United Bankshares Recent Events
Source: SEC EDGAR 8-K Filings
5-Year Revenue & Net Income Trend
Chart shows fiscal year data from SEC EDGAR filings. Hover over data points for details.
As of FY2025 · SEC Form 10-K · Last checked Jul 3, 2026
About United Bankshares
United Bankshares, Inc. is a bank holding company dual-headquartered in Charleston, West Virginia and Fairfax, Virginia with operations in West Virginia, Virginia, the District of Columbia, Maryland, Ohio, Pennsylvania, North Carolina, South Carolina, and Georgia in the United States. United Bankshares is the parent company of United Bank which comprises nearly 250 offices in eight states. In addition, UBSI is the parent company to subsidiaries George Mason Mortgage, United Brokerage, and Crescent Mortgage.
- Industry
- Regional Banks
Valuation
Valuation Data UnavailablePrice-based valuation metrics (P/E, P/B) require real-time stock price data which is not included in SEC filings.
Benjamin Graham: Graham recommended P/E ratio not exceed 15 for reasonable valuation. Understanding valuation metrics
Profitability
Profitability Data Under ReviewProfitability metrics are being verified. Some SEC filing data may require additional validation.
Warren Buffett: Buffett looks for consistent ROE above 20% as a sign of competitive advantage. How to evaluate profitability
Financial Health
Balance Sheet Data LimitedInsufficient data to assess financial health.
Peter Lynch: Lynch: normal balance sheet has 75% equity, 25% debt. Understanding financial health
Dividend
Dividend Data UnavailableDividend yield data is not available from SEC filings. Check the company's investor relations page for dividend information.
As of FY2025 · SEC Form 10-K · Last checked Jul 3, 2026
United Bankshares 10-Year Revenue, Profit & Cash Flow History
Net income reached a record high of $465M in FY2025.
Annual Financials
FY2025 - FY2016| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | $312.0M(-5.7%) | $331.0M(+25.7%) | $263.2M(-4.8%) | $276.6M(+15.4%) | $239.7M | - | - |
| Net Income | $464.6M(+24.6%) | $373.0M(+1.8%) | $366.3M(-3.5%) | $379.6M(+3.2%) | $367.7M(+27.2%) | $289.0M(+11.1%) | $260.1M(+1.5%) | $256.3M(+70.2%) | $150.6M(+2.4%) | $147.1M(+6.6%) |
| Total Assets | $33.7B | $30.0B | $29.9B | $29.5B | $29.3B | $26.2B | $19.7B | $19.3B | $19.1B | $14.5B |
| Total Debt | $531.8M | $540.4M | $1.8B | $2.2B | $817.4M | $864.4M | $1.8B | $1.5B | $1.4B | $1.2B |
| Total Equity | $5.5B | $5.0B | $4.8B | $4.5B | $4.7B | $4.3B | $3.4B | $3.3B | $3.2B | $2.2B |
| Profit Margin | - | - | - | 121.7% | 111.1% | 109.8% | - | - | - | - |
| ROE | 8.5% | 7.5% | 7.7% | 8.4% | 7.8% | 6.7% | 7.7% | 7.9% | 4.7% | 6.6% |
| ROA | 1.4% | 1.2% | 1.2% | 1.3% | 1.3% | 1.1% | 1.3% | 1.3% | 0.8% | 1.0% |
Quarterly Financials
Last 8 quarters| Metric | Q3 2025 | Q2 2025 | Q1 2025 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - |
| Net Income | - | - | - | - | - | - | - | - |
| Total Assets | $33.4B | $32.8B | $32.8B | $29.9B | $30.0B | $30.0B | $29.2B | $29.7B |
As of FY2025 · SEC Form 10-K · Last checked Jul 3, 2026
Insider Trading
Source: SEC EDGAR Form 4 filings. Only purchase (P) and sale (S) transactions shown.
United Bankshares Dividend Safety Analysis & Growth History
Dividend Status
Dividend PayerThis company pays dividends. Historical dividend data shown below.
13 consecutive years of dividend increases. 5-year dividend CAGR: +1.6%.
Annual Dividends
2015 - 2024| Metric | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend/Share | $1.29 | $1.32 | $1.33 | $1.36 | $1.37 | $1.40 | $1.41 | $1.44 | $1.45 | $1.48 |
| YoY Growth | +0.8% | +2.3% | +0.8% | +2.3% | +0.7% | +2.2% | +0.7% | +2.1% | +0.7% | +2.1% |
| Payments | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 |
| Increased | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Learn more:Dividend investing guideHow to evaluate dividend safety
As of FY2025 · SEC XBRL dividend facts · Last checked Jul 3, 2026
United Bankshares Free Cash Flow & Dividend Coverage
Generates approximately $1M in free cash flow per day.
Cash Flow History
FY2016 - FY2025| Metric | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating CF | $170.7M | $253.9M | $294.0M | $152.0M | $140.4M | $609.5M | $760.8M | $435.2M | $445.5M | $498.9M |
| CapEx | -$7.3M | -$14.4M | -$5.8M | -$11.1M | -$19.0M | -$15.4M | -$16.9M | -$11.7M | -$12.1M | -$17.7M |
| Free Cash Flow | $163.5M | $239.6M | $288.3M | $140.9M | $121.4M | $594.2M | $744.0M | $423.6M | $433.3M | $481.2M |
| FCF Margin | - | - | - | - | 46.1% | 179.5% | 238.5% | - | - | - |
Source: SEC EDGAR 10-K filings. FCF = Operating Cash Flow - Capital Expenditures. Free cash flow guide
As of FY2025 · SEC Form 10-K · Last checked Jul 3, 2026
United Bankshares Risk Factors
Company-disclosed SEC risk factors
Risk factors are disclosed by the company in its SEC Form 10-K, Item 1A. Billiver does not classify or summarize company-specific legal, operational, financial, or market risks here.
Sector context: Financials. This is not a Billiver risk assessment for UBSI.
Source note: the SEC Form 10-K includes Item 1A, "Risk Factors." The full risk-factor text should be read from the company’s own SEC filing.
United Bankshares FAQ
What is United Bankshares's annual revenue?
United Bankshares (UBSI) reported $312 million in trailing twelve-month (TTM) revenue. This financial data is compiled from SEC EDGAR 10-K filings.
Does United Bankshares pay dividends?
Yes, United Bankshares pays regular dividends with 13 consecutive years of dividend payments. View the full dividend history and payout analysis on this page.
What is United Bankshares's financial health score?
United Bankshares has a financial health score of 63/100 (Grade: C), evaluating profitability, solvency, liquidity, and growth based on SEC EDGAR data.
How many years of United Bankshares financial data are available?
10 years of financial data are available for United Bankshares from FY2016 to FY2025. All figures are compiled from SEC EDGAR 10-K filings.