United Bankshares, Inc.
General ticker "UBSI" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $5.4B (TTM average)
United Bankshares, Inc. follows the US Stock Market performance with the rate: 56.5%.
Estimated limits based on current volatility of 1.0%: low 42.57$, high 43.40$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-03-13, amount 0.38$ (Y3.57%)
- Total employees count: 2553 (-3.1%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Regulatory and compliance, Liquidity and credit risks, Cybersecurity threats, Economic downturns and volatility, Acquisition/divestiture risks
- Price in estimated range
- Earnings for 3 months up through Q1 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: [33.76$, 43.61$]
- 2026-12-31 to 2027-12-31 estimated range: [34.14$, 44.36$]
Financial Metrics affecting the UBSI estimates:
- Negative: with PPE of 12.1 at the end of fiscal year the price was high
- Positive: 6.59 < Operating cash flow per share per price, % of 8.99
- Positive: Operating profit margin, % of 32.42 > 18.39
- Positive: Industry operating cash flow per share per price (median), % of 10.80 > 10.39
- Positive: Industry earnings per price (median), % of 7.25 > 4.45
- Positive: Industry operating profit margin (median), % of 22.72 > 9.60
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: Shareholder equity ratio, % of 16.33 <= 19.24
- Negative: Interest expense per share per price, % of 10.52 > 3.31
Short-term UBSI quotes
Long-term UBSI plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $1,528.85MM | $1,034.84MM | $1,820.60MM |
| Operating Expenses | $1,065.05MM | $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.