UNITED BANKSHARES INC/WV
UBSINasdaq
$47.58
↓ -1.3%Jul 17 close · end-of-day
Price
1Y↑ +34.5%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$6.7B
Enterprise Value
$6.8B
P/E
13.3
P/S
3.6
P/B
1.2
EV/EBITDA
—
PEG
2.5
FCF Yield
7.8%
Dividend Yield
—
Revenue (TTM)
$1.8B
Net Income (TTM)
$504.5M
Free Cash Flow (TTM)
$521.1M
Gross Margin
—
Operating Margin
—
Net Margin
27.5%
ROE
9.2%
ROIC
—
Debt / Equity
0.0
Net Cash
-$166.2M
Return 1Y
+31.8%
Company profile
United Bankshares, Inc. provides commercial and retail banking products and services in the United States. The company operates through two segments, Community Banking and Mortgage Banking. Its loan products include commercial loans and leases; construction and real estate loans. 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.
- CEO
- Richard M. Adams
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 2,760
- Headquarters
- West Virginia
- Website
- ubsi-inc.com
Management & directors
- Adams Richard M JrChief Executive Officer
- Adams Richard M SrExecutive Chairman
- Consagra James J JrChief Operating Officer
- Draber Ross MExecutive Vice President
- Ernest Douglas BryanExecutive Vice-President
- Gurtis Julie RExecutive Vice President
- Kayes Henry M JrEVP
- Mildren Chad JExecutive Vice President
- Proctor MichaelExecutive Vice President
- Schultheis Anna JExecutive Vice President
- Shaver Ami LExecutive Vice President
- Tatterson William MarkExecutive Vice President
Roles derived from SEC Form 4 filings.
Earnings
UBSI Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue$450.0M↑ +3.9%
Diluted EPS$0.89↑ +50.8%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $263.2M | $331.0M | $312.0M | $1.5B | $1.6B | $1.8B |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $289.0M | $367.7M | $379.6M | $366.3M | $373.0M | $464.6M |
| Diluted EPS | $2.40 | $2.83 | $2.80 | $2.71 | $2.75 | $3.27 |
| Operating cash flow | $140.4M | $609.5M | $760.8M | $435.2M | $445.5M | $498.9M |
| Free cash flow | $121.4M | $594.2M | $744.0M | $423.6M | $433.3M | $481.2M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | 109.8% | 111.1% | 121.7% | 23.8% | 22.9% | 25.5% |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $404.4M | $414.7M | $405.4M | $433.2M | $452.7M | $474.2M | $461.0M | $450.0M |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $96.5M | $95.3M | $94.4M | $84.3M | $120.7M | $130.7M | $128.8M | $124.2M |
| Diluted EPS | $0.71 | $0.70 | $0.69 | $0.59 | $0.85 | $0.92 | $0.91 | $0.89 |
| Operating cash flow | $61.2M | $123.6M | $136.3M | $120.0M | $89.4M | $150.6M | $138.9M | $160.9M |
| Free cash flow | $58.2M | $122.0M | $133.5M | $116.1M | $85.2M | $146.4M | $133.5M | $156.0M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | 23.9% | 23.0% | 23.3% | 19.5% | 26.7% | 27.6% | 27.9% | 27.6% |
Company news
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-02-23 | ADAMS RICHARD M JR· Chief Executive Officer | Tax withholding | 7,749 | $44.28 | $343,125.72 | filing |
| 2026-02-23 | ADAMS RICHARD M SR· Executive Chairman | Tax withholding | 7,260 | $44.28 | $321,472.80 | filing |
| 2026-02-23 | CONSAGRA JAMES J JR· Chief Operating Officer | Tax withholding | 6,340 | $44.28 | $280,735.20 | filing |
| 2026-02-23 | Tatterson William Mark· Executive Vice President | Tax withholding | 4,198 | $44.28 | $185,887.44 | filing |
| 2026-02-23 | ADAMS RICHARD M JR· Chief Executive Officer | Tax withholding | 2,454 | $44.28 | $108,663.12 | filing |
| 2026-02-23 | ADAMS RICHARD M SR· Executive Chairman | Tax withholding | 2,299 | $44.28 | $101,799.72 | filing |
| 2026-02-23 | Williams Darren K· Executive Vice-President | Tax withholding | 2,050 | $44.28 | $90,774.00 | filing |
| 2026-02-23 | CONSAGRA JAMES J JR· Chief Operating Officer | Tax withholding | 2,008 | $44.28 | $88,914.24 | filing |
| 2026-02-23 | Ernest Douglas Bryan· Executive Vice-President | Tax withholding | 1,835 | $44.28 | $81,253.80 | filing |
| 2026-02-23 | Draber Ross M· Executive Vice President | Tax withholding | 1,800 | $44.28 | $79,704.00 | filing |
| 2026-02-23 | Tatterson William Mark· Executive Vice President | Tax withholding | 1,329 | $44.28 | $58,848.12 | filing |
| 2026-02-23 | Unknown· Executive Vice President | Tax withholding | 1,018 | $44.28 | $45,077.04 | filing |
| 2026-02-23 | Gurtis Julie R· Executive Vice President | Tax withholding | 898 | $44.28 | $39,763.44 | filing |
| 2026-02-23 | Williams Darren K· Executive Vice-President | Tax withholding | 612 | $44.28 | $27,099.36 | filing |
| 2026-02-23 | Ernest Douglas Bryan· Executive Vice-President | Tax withholding | 540 | $44.28 | $23,911.20 | filing |
| 2026-02-23 | Draber Ross M· Executive Vice President | Tax withholding | 532 | $44.28 | $23,556.96 | filing |
| 2026-02-23 | KAYES HENRY M JR· EVP | Tax withholding | 413 | $44.28 | $18,287.64 | filing |
| 2026-02-23 | Shaver Ami L· Executive Vice President | Tax withholding | 310 | $44.28 | $13,726.80 | filing |
| 2026-02-23 | Mildren Chad J· Executive Vice President | Tax withholding | 280 | $44.28 | $12,398.40 | filing |
| 2026-02-23 | Proctor Michael· Executive Vice President | Tax withholding | 249 | $44.28 | $11,025.72 | filing |
| 2026-02-23 | Schultheis Anna J· Executive Vice President | Tax withholding | 218 | $44.28 | $9,653.04 | filing |
| 2026-02-23 | Schultheis Anna J· Executive Vice President | Tax withholding | 218 | $44.28 | $9,653.04 | filing |
| 2026-02-23 | ADAMS RICHARD M SR· Executive Chairman | Award | 16,008 | $0.00 | $0.00 | filing |
| 2026-02-23 | Draber Ross M· Executive Vice President | Award | 3,700 | $0.00 | $0.00 | filing |
| 2026-02-23 | Williams Darren K· Executive Vice-President | Award | 4,252 | $0.00 | $0.00 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.