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United Bankshares, Inc. UBSI

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Price alert · UBSI

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48.12 USD -0.27 (-0.55%)

Nov 6, 2026, 12:33 PM EST

47.98 Day range 48.46
34.68 52-week range 50.47
YTD
+25.32%
1 year
+32.97%

Financial health

Altman Z-Score

-0.53 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 4
  • Debt / Equity 4
  • P/E 2
  • P/B 3

Valuation

P/E 11.7×
FY 2016: 23.1×FY 2017: 22.6×FY 2018: 12.6×FY 2019: 15.1×FY 2020: 13.5×FY 2021: 12.8×FY 2022: 14.4×FY 2023: 13.8×FY 2024: 13.6×FY 2025: 11.7×
FY 2016 5y median 13.6× FY 2025
P/S 3.0×
FY 2016: 6.3×FY 2017: 4.5×FY 2018: 3.8×FY 2019: 4.3×FY 2020: 3.4×FY 2021: 4.4×FY 2022: 4.8×FY 2023: 3.3×FY 2024: 3.1×FY 2025: 3.0×
FY 2016 5y median 3.3× FY 2025
P/B 1.0×
FY 2016: 1.5×FY 2017: 1.0×FY 2018: 1.0×FY 2019: 1.2×FY 2020: 0.9×FY 2021: 1.0×FY 2022: 1.2×FY 2023: 1.1×FY 2024: 1.0×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/FCF 11.2×
FY 2016: 20.8×FY 2017: 14.1×FY 2018: 11.3×FY 2019: 27.9×FY 2020: 32.0×FY 2021: 7.9×FY 2022: 7.3×FY 2023: 11.9×FY 2024: 11.7×FY 2025: 11.2×
FY 2016 5y median 11.2× FY 2025
EV/EBITDA 6.4×
FY 2016: 15.7×FY 2017: 13.5×FY 2018: 13.3×FY 2019: 17.6×FY 2020: 8.0×FY 2021: 4.2×FY 2022: 13.4×FY 2023: 11.4×FY 2024: 7.5×FY 2025: 6.4×
FY 2016 5y median 7.5× FY 2025
EV/Sales 2.1×
FY 2016: 6.2×FY 2017: 4.7×FY 2018: 4.8×FY 2019: 5.9×FY 2020: 2.4×FY 2021: 1.9×FY 2022: 5.9×FY 2023: 3.6×FY 2024: 2.2×FY 2025: 2.1×
FY 2016 5y median 2.2× FY 2025
FCF Yield 8.9%
FY 2016: 4.8%FY 2017: 7.1%FY 2018: 8.9%FY 2019: 3.6%FY 2020: 3.1%FY 2021: 12.7%FY 2022: 13.6%FY 2023: 8.4%FY 2024: 8.6%FY 2025: 8.9%
FY 2016 5y median 8.9% FY 2025

Profitability

Gross Margin 65.4%
FY 2016: 87.1%FY 2017: 86.3%FY 2018: 82.0%FY 2019: 77.4%FY 2020: 81.1%FY 2021: 97.3%FY 2022: 89.1%FY 2023: 66.5%FY 2024: 62.0%FY 2025: 65.4%
FY 2016 5y median 66.5% FY 2025
Operating Margin 32.4%
FY 2016: 41.3%FY 2017: 37.8%FY 2018: 38.9%FY 2019: 35.6%FY 2020: 31.6%FY 2021: 43.7%FY 2022: 41.5%FY 2023: 30.3%FY 2024: 28.7%FY 2025: 32.4%
FY 2016 5y median 32.4% FY 2025
Net Margin 25.5%
FY 2016: 27.3%FY 2017: 20.0%FY 2018: 30.5%FY 2019: 28.6%FY 2020: 25.4%FY 2021: 34.7%FY 2022: 33.1%FY 2023: 24.0%FY 2024: 23.0%FY 2025: 25.5%
FY 2016 5y median 25.5% FY 2025
ROE 8.5%
FY 2016: 6.6%FY 2017: 4.6%FY 2018: 7.9%FY 2019: 7.7%FY 2020: 6.7%FY 2021: 7.8%FY 2022: 8.4%FY 2023: 7.7%FY 2024: 7.5%FY 2025: 8.5%
FY 2016 5y median 7.8% FY 2025
ROIC 6.0%
FY 2016: 4.1%FY 2017: 3.0%FY 2018: 5.0%FY 2019: 4.6%FY 2020: 5.4%FY 2021: 6.4%FY 2022: 5.4%FY 2023: 5.3%FY 2024: 6.2%FY 2025: 6.0%
FY 2016 5y median 6.0% FY 2025
ROA 1.4%
FY 2016: 1.0%FY 2017: 0.8%FY 2018: 1.3%FY 2019: 1.3%FY 2020: 1.1%FY 2021: 1.3%FY 2022: 1.3%FY 2023: 1.2%FY 2024: 1.2%FY 2025: 1.4%
FY 2016 5y median 1.3% FY 2025

Growth (YoY)

Revenue 12.3%
FY 2016: 8.6%FY 2017: 39.9%FY 2018: 11.6%FY 2019: 8.2%FY 2020: 24.9%FY 2021: -6.9%FY 2022: 8.1%FY 2023: 33.5%FY 2024: 6.0%FY 2025: 12.3%
FY 2016 FY 2025
Operating Income 27.0%
FY 2016: 9.4%FY 2017: 27.9%FY 2018: 14.9%FY 2019: -0.8%FY 2020: 10.9%FY 2021: 28.7%FY 2022: 2.8%FY 2023: -2.5%FY 2024: 0.2%FY 2025: 27.0%
FY 2016 FY 2025
EPS (diluted) 18.9%
FY 2016: 0.5%FY 2017: -22.6%FY 2018: 59.7%FY 2019: 3.7%FY 2020: -5.9%FY 2021: 17.9%FY 2022: -1.1%FY 2023: -2.9%FY 2024: 1.1%FY 2025: 18.9%
FY 2016 FY 2025
Free Cash Flow 11.0%
FY 2016: -3.6%FY 2017: 46.6%FY 2018: 19.7%FY 2019: -50.9%FY 2020: -13.8%FY 2021: 389.3%FY 2022: 25.2%FY 2023: -43.1%FY 2024: 2.3%FY 2025: 11.0%
FY 2016 FY 2025

Financial Health

Current Ratio 28.2×
FY 2016: 0.2×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 28.2×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 28.2×
FY 2016: 0.2×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 28.2×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.2×
FY 2016: 0.6×FY 2017: 0.6×FY 2018: 0.6×FY 2019: 0.7×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA -2.7×
FY 2016: -0.2×FY 2017: 0.7×FY 2018: 2.7×FY 2019: 4.7×FY 2020: -3.3×FY 2021: -5.8×FY 2022: 2.5×FY 2023: 1.0×FY 2024: -3.1×FY 2025: -2.7×
FY 2016 5y median -2.7× FY 2025
Interest Coverage 1.0×
FY 2016: 4.9×FY 2017: 3.8×FY 2018: 2.5×FY 2019: 1.8×FY 2020: 3.3×FY 2021: 8.8×FY 2022: 4.5×FY 2023: 1.0×FY 2024: 0.8×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025

Dividends

Dividend Yield 3.9%
FY 2016: 2.8%FY 2017: 3.6%FY 2018: 4.4%FY 2019: 3.5%FY 2020: 4.2%FY 2021: 3.9%FY 2022: 3.5%FY 2023: 3.9%FY 2024: 4.0%FY 2025: 3.9%
FY 2016 5y median 3.9% FY 2025
Payout Ratio 45.0%
FY 2016: 65.5%FY 2017: 80.6%FY 2018: 55.5%FY 2019: 53.4%FY 2020: 56.3%FY 2021: 49.3%FY 2022: 50.9%FY 2023: 53.2%FY 2024: 53.8%FY 2025: 45.0%
FY 2016 5y median 50.9% FY 2025

Annual · latest fiscal year ends 2025-12-31