United Bankshares, Inc.
General ticker "UBSI" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $5.5B (TTM average)
United Bankshares, Inc. follows the US Stock Market performance with the rate: 55.8%.
Estimated limits based on current volatility of 0.8%: low 46.65$, high 47.42$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-06-12, amount 0.38$ (Y3.21%)
- Total employees count: 2694 (+5.5%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Regulatory and compliance, Liquidity and credit risks, Operational and conduct risks, Fraud risk, Technology implementation
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [34.01$, 43.46$]
- 2026-12-31 to 2027-12-31 estimated range: [34.54$, 44.36$]
Financial Metrics affecting the UBSI estimates:
- Positive: with PPE of 12.0 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 32.42 > 18.77
- Positive: Industry operating cash flow per share per price (median), % of 10.78 > 10.39
- Positive: 6.77 < Operating cash flow per share per price, % of 9.05
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Positive: Shareholder equity ratio, % of 16.33 <= 18.97
Short-term UBSI quotes
Long-term UBSI plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $1,055.24MM | $1,034.84MM | $1,820.60MM |
| Operating Expenses | $591.44MM | $673.77MM | $1,230.42MM |
| Operating Income | $463.81MM | $361.07MM | $590.18MM |
| Non-Operating Income | $0.00MM | $103.51MM | $-6.78MM |
| Interest Expense | $481.40MM | $591.05MM | $583.69MM |
| Income(Loss) | $463.81MM | $464.58MM | $583.40MM |
| Taxes | $97.49MM | $91.58MM | $118.80MM |
| Net Income(Loss)* | $366.31MM | $373.00MM | $464.60MM |
| Stockholders Equity | $4,771.24MM | $4,993.22MM | $5,495.98MM |
| Assets | $29,926.48MM | $30,023.54MM | $33,660.28MM |
| Operating Cash Flow | $435.24MM | $445.45MM | $498.91MM |
| Capital expenditure | $11.69MM | $12.13MM | $17.71MM |
| Investing Cash Flow | $38.99MM | $571.49MM | $-899.31MM |
| Financing Cash Flow | $-51.94MM | $-323.64MM | $650.41MM |
| Earnings Per Share** | $2.72 | $2.76 | $3.31 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.