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United Bankshares, Inc. logo

United Bankshares, Inc.

UBSI

NASDAQFinancial ServicesBanks - Regional

Open in GoAI

Regular session

$47.87

+$0.06 · +0.13%

Aug 24, 11:18 AM ET

UBSI company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

85

Deep Value

Momentum

54

Neutral

Sentiment

72

Bullish

Risk resilience

82

Low Risk

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Company profile

Company website

Founded in 1982 and headquartered in Charleston, West Virginia, United Bankshares, Inc. operates as a prominent financial holding company. It offers a comprehensive array of banking solutions for both commercial clients and individual customers throughout the United States, primarily organized into its Community Banking and Mortgage Banking divisions. The company provides various deposit options, such as checking, savings, money market, and retirement accounts. Its lending portfolio is equally diverse, encompassing financing for commercial enterprises and real estate, personal and student loans, credit card facilities, and home equity products. Beyond traditional banking, United Bankshares extends its services to include investment and security offerings, asset management, real property title insurance, financial planning, safe deposit boxes, electronic fund transfers, and convenient digital and ATM banking access. As of December 31, 2021, its extensive branch network comprised 250 locations spread across Virginia, Maryland, Washington D.C., North Carolina, South Carolina, Georgia, Pennsylvania, West Virginia, and Ohio.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Richard Matthew Adams Jr.
Listed since
Jun 4, 1987
Employees
2,694

Market position

Day range

Current $47.87

52-week range

Current $47.87

Open
$47.83
Previous close
$47.81
Volume
138.67K
0.15× average
Average volume
906.59K
Average daily volume
Market cap
6.6B USD
Beta
0.73
Market reference 1
50-day average
$47.1042
+1.63% above average
200-day average
$42.6419
+12.26% above average

Financials

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends105%75%45%16%Gross margin, FY2021: 97.32%Gross margin, FY2022: 89.14%Gross margin, FY2023: 66.47%Gross margin, FY2024: 61.98%Gross margin, FY2025: 65.35%Operating margin, FY2021: 43.70%Operating margin, FY2022: 41.53%Operating margin, FY2023: 30.34%Operating margin, FY2024: 28.67%Operating margin, FY2025: 32.42%Net margin, FY2021: 34.72%Net margin, FY2022: 33.14%Net margin, FY2023: 23.96%Net margin, FY2024: 23.01%Net margin, FY2025: 25.52%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 97.32%. Gross margin FY2022 89.14%. Gross margin FY2023 66.47%. Gross margin FY2024 61.98%. Gross margin FY2025 65.35%. Operating margin FY2021 43.70%. Operating margin FY2022 41.53%. Operating margin FY2023 30.34%. Operating margin FY2024 28.67%. Operating margin FY2025 32.42%. Net margin FY2021 34.72%. Net margin FY2022 33.14%. Net margin FY2023 23.96%. Net margin FY2024 23.01%. Net margin FY2025 25.52%.

Income trends

Revenue

1.82B USD+12.33%

Operating income

590.18M USD+27.04%

Net income

464.6M USD+24.56%
Income trends across reported periods1.97B USD1.38B USD802.6M USD220.88M USDRevenue, FY2021: 1.06B USDRevenue, FY2022: 1.15B USDRevenue, FY2023: 1.53B USDRevenue, FY2024: 1.62B USDRevenue, FY2025: 1.82B USDOperating income, FY2021: 462.85M USDOperating income, FY2022: 475.78M USDOperating income, FY2023: 463.81M USDOperating income, FY2024: 464.58M USDOperating income, FY2025: 590.18M USDNet income, FY2021: 367.74M USDNet income, FY2022: 379.63M USDNet income, FY2023: 366.31M USDNet income, FY2024: 373M USDNet income, FY2025: 464.6M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.06B USD. Revenue FY2022 1.15B USD. Revenue FY2023 1.53B USD. Revenue FY2024 1.62B USD. Revenue FY2025 1.82B USD. Operating income FY2021 462.85M USD. Operating income FY2022 475.78M USD. Operating income FY2023 463.81M USD. Operating income FY2024 464.58M USD. Operating income FY2025 590.18M USD. Net income FY2021 367.74M USD. Net income FY2022 379.63M USD. Net income FY2023 366.31M USD. Net income FY2024 373M USD. Net income FY2025 464.6M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue1.82B USD1.62B USD1.53B USD1.15B USD1.06B USD
Cost of goods sold630.78M USD616.21M USD512.55M USD124.38M USD28.41M USD
Gross profit1.19B USD1B USD1.02B USD1.02B USD1.03B USD
Selling, general, and administrative457.01M USD307.97M USD309.55M USD300.34M USD342.19M USD
Operating expenses599.64M USD539.92M USD552.5M USD545.35M USD567.97M USD
Interest income1.69B USD1.5B USD1.4B USD1B USD795.12M USD
Interest expense583.69M USD591.05M USD481.4M USD105.56M USD52.38M USD
Depreciation and amortization—10.4M USD23.11M USD23.67M USD7.91M USD
Operating income590.18M USD464.58M USD463.81M USD475.78M USD462.85M USD
Net income464.6M USD373M USD366.31M USD379.63M USD367.74M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
73%
8 beats, 3 misses, 0 met estimates
Average EPS surprise
+3.36%
11 comparable reports
Latest EPS result
0.95
Estimate 0.89 · Beat by 7.10%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.990.840.70.55Q1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 24, 2025: actual 0.69, estimate 0.67, surprise +2.99%, Beat. Q2 2025, reported Apr 24, 2025: actual 0.59, estimate 0.66, surprise -10.61%, Miss. Q3 2025, reported Jul 24, 2025: actual 0.85, estimate 0.77, surprise +10.39%, Beat. Q4 2025, reported Oct 23, 2025: actual 0.92, estimate 0.812, surprise +13.30%, Beat. Q1 2026, reported Jan 22, 2026: actual 0.91, estimate 0.86, surprise +5.81%, Beat. Q2 2026, reported Apr 23, 2026: actual 0.89, estimate 0.85, surprise +4.71%, Beat. Q3 2026, reported Jul 23, 2026: actual 0.95, estimate 0.887, surprise +7.10%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 0.93, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates340.39M309.58M278.76M247.95MQ1 '25MissQ2 '25BeatQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 24, 2025: actual 261.04M USD, estimate 273.71M USD, surprise -4.63%, Miss. Q2 2025, reported Apr 24, 2025: actual 289.02M USD, estimate 278.75M USD, surprise +3.68%, Beat. Q3 2025, reported Jul 24, 2025: actual 305.39M USD, estimate 308.3M USD, surprise -0.94%, Miss. Q4 2025, reported Oct 23, 2025: actual 324.1M USD, estimate 309.06M USD, surprise +4.87%, Beat. Q1 2026, reported Jan 22, 2026: actual 318.39M USD, estimate 315.6M USD, surprise +0.88%, Beat. Q2 2026, reported Apr 23, 2026: actual 316.58M USD, estimate 315.2M USD, surprise +0.44%, Beat. Q3 2026, reported Jul 23, 2026: actual 323.82M USD, estimate 320.07M USD, surprise +1.17%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 327.3M USD, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.49

2025 complete year+5.7% since 2021

2026 partial: $0.76

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Jun 12, 2026

$0.38

Quarterly

Record Jun 12, 2026 · Payment Jul 1, 2026

Dividend

Ex-dividend Mar 13, 2026

$0.38

Quarterly

Record Mar 13, 2026 · Payment Apr 1, 2026

Dividend

Ex-dividend Dec 12, 2025

$0.38

Quarterly

Record Dec 12, 2025 · Payment Jan 2, 2026

Dividend

Ex-dividend Sep 12, 2025

$0.37

Quarterly

Record Sep 12, 2025 · Payment Oct 1, 2025

Dividend

Ex-dividend Jun 13, 2025

$0.37

Quarterly

Record Jun 13, 2025 · Payment Jul 1, 2025

Dividend

Ex-dividend Mar 14, 2025

$0.37

Quarterly

Record Mar 14, 2025 · Payment Apr 1, 2025

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ETFs holding UBSI

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core S&P Mid-Cap ETF logoiShares Core S&P Mid-Cap ETFIJH
Market value
230.33M
Weight
0.18%
AUM
125.92B USD
Expense ratio
0.05%
Price / 1D
$76.31-0.60%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
212.12M
Weight
0.01%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$377.21-0.27%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
168.49M
Weight
0.21%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$298.81-0.38%
Vanguard Morningstar Small-Cap ETF logoVanguard Morningstar Small-Cap ETFVB
Market value
153.42M
Weight
0.08%
AUM
183.4B USD
Expense ratio
0.03%
Price / 1D
$303.59-0.38%
iShares Select Dividend ETF logoiShares Select Dividend ETFDVY
Market value
141.16M
Weight
0.59%
AUM
23.86B USD
Expense ratio
0.38%
Price / 1D
$164.49+0.24%
Vanguard Morningstar Small-Cap Value ETF logoVanguard Morningstar Small-Cap Value ETFVBR
Market value
97.49M
Weight
0.14%
AUM
68.3B USD
Expense ratio
0.05%
Price / 1D
$249.17-0.00%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
76.66M
Weight
0.08%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$244.03-0.61%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
61.38M
Weight
0.42%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.85+0.02%

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