UNITED BANKSHARES INC/WV

UBSI

UNITED BANKSHARES INC/WV

UBSI

Insider Sentiment (TTM):

Last Purchase:2026-01-28Last Sale:2024-12-18Shares Purchased (TTM):101Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:98,627,543Shares Outstanding:139,566,209Institutional Ownership Pct.:70.67%

Earnings Market Reaction:

Filing Date:2026-08-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Due From Banks	278	269	248	268	327	287	241	278	241	238	257	270
Interest Bearing Deposits In Banks	1,802	2,035	2,293	2,250	1,986	2,322	2,050	1,630	1,616	1,493	1,341	913
Federal Funds Sold	1	1	1	1	1	1	1	1	1	1	1	1
Cash Cash Equivalents And Federal Funds Sold	2,081	2,305	2,542	2,519	2,315	2,610	2,292	1,909	1,859	1,733	1,599	1,184
Debt Securities	3,320	3,212	3,059	3,024	3,074	3,003	2,960	3,240	3,316	3,614	3,786	3,749
Held To Maturity Securities	1	1	1	1	1	1	1	1	1	1	1	1
Equity Securities Fv Ni Current And Noncurrent	30	12	35	35	22	22	21	9	11	9	9	9
Other Investments	308	305	305	300	300	288	278	289	323	331	329	307
Loans Receivable Held For Sale Net Not Part Of Dis…	35	29	31	24	37	29	44	46	66	44	56	60
Notes Receivable Gross	25,006	24,875	24,721	24,531	24,061	23,874	21,680	21,631	21,610	21,533	21,373	21,115
Loans And Leases Receivable Deferred Income	-	-	-	-	-	-	-	-	-	-12	-14	-17
Loans And Leases Receivable Net Of Deferred Income	-	-	-	-	-	-	-	-	-	21,520	21,359	21,098
Loans And Leases Receivable Allowance	-	-	-	-	-	-	-	-	-	-263	-259	-255
Financing Receivable Deferred Income	-	-12	-11	-11	-11	-11	-7	-9	-12	-	-14	-
Financing Receivable Allowance For Credit Losses	-	-300	-298	-300	-308	-310	-272	-271	-267	-	-259	-
Notes Receivable Net	24,695	24,564	24,412	24,220	23,742	23,553	21,402	21,351	21,331	21,257	21,100	20,843
Property Plant And Equipment Net	211	209	209	208	209	210	186	187	190	191	191	192
Operating Lease Right Of Use Asset	93	88	89	90	91	87	82	82	83	86	87	80
Goodwill	2,019	2,019	2,019	2,019	2,019	2,024	1,889	1,889	1,889	1,889	1,889	1,889
Servicing Asset At Fair Value Amount	-	-	-	-	-	-	0	0	4	4	5	5
Bank Owned Life Insurance	558	551	547	545	541	539	497	496	493	491	487	485
Financing Receivable Accrued Interest After Allowa…	-	109	109	112	107	111	102	107	110	114	111	107
Other Assets	301	300	301	311	325	313	270	257	281	265	276	314
Assets	33,752	33,705	33,660	33,407	32,783	32,788	30,024	29,863	29,957	30,029	29,926	29,225
Liabilities
Deposits
Noninterest Bearing Deposit Liabilities	6,732	6,410	6,574	6,588	6,627	6,481	6,135	6,038	5,932	6,017	6,149	6,253
Interest Bearing Deposit Liabilities	20,439	20,711	20,487	20,296	19,709	19,884	17,826	17,790	17,135	16,902	16,670	16,424
Deposits	27,171	27,121	27,061	26,884	26,336	26,365	23,962	23,828	23,066	22,920	22,819	22,677
Debt Instruments
Securities Sold Under Agreements To Repurchase	167	166	199	169	161	176	176	182	204	208	196	188
Advances From Federal Home Loan Banks	250	250	250	250	250	250	260	260	1,210	1,460	1,510	1,111
Other Long Term Debt	283	282	282	281	301	301	280	280	279	279	279	278
Operating Lease Liability	100	94	95	96	97	92	87	88	89	92	93	85
Accrued Liabilities And Other Liabilities	234	267	243	249	238	254	230	219	211	219	213	194
Liabilities	28,241	28,217	28,164	27,961	27,419	27,474	25,030	24,895	25,101	25,221	25,155	24,576
Stockholders Equity
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	378	378	377	377	377	377	357	356	356	356	356	356
Additional Paid In Capital Common Stock	3,475	3,470	3,469	3,465	3,461	3,458	3,196	3,190	3,186	3,183	3,182	3,179
Retained Earnings Accumulated Deficit	2,320	2,241	2,170	2,095	2,017	1,949	1,918	1,874	1,829	1,782	1,746	1,716
Accumulated Other Comprehensive Income Loss Net Of…	-143	-149	-139	-158	-184	-195	-224	-199	-261	-261	-260	-349
Treasury Stock Value	-519	-452	-381	-333	-307	-274	-253	-253	-253	-253	-252	-252
Stockholders Equity	5,511	5,488	5,496	5,446	5,365	5,314	4,993	4,968	4,857	4,807	4,771	4,649
Liabilities And Stockholders Equity	33,752	33,705	33,660	33,407	32,783	32,788	30,024	29,863	29,957	30,029	29,926	29,225
Debt Securities Available For Sale Amortized Cost …	3,532	3,431	3,265	3,248	3,334	3,282	3,283	3,510	3,680	3,981	4,150	4,242
Held To Maturity Securities Fair Value	1	1	1	1	1	1	1	1	1	1	1	1
Preferred Stock Par Or Stated Value Per Share	1	1	1	1	1	1	1	1	1	1	1	1
Preferred Stock Shares Authorized	50	50	50	50	50	50	50	50	50	50	50	50
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	2.5	2.5	2.5	2.5	2.5	2.5	2.5	2.5	2.5	2.5	2.5	2.5
Common Stock Shares Authorized	200	200	200	200	200	200	200	200	200	200	200	200
Common Stock Shares Issued	151	151	151	151	151	151	143	143	143	143	142	142
Treasury Stock Common Shares	14,242	12,737	10,977	9,662	8,921	7,939	7,348	7,346	7,346	7,344	7,309	7,308
Debt Securities Available For Sale Allowance For C…	0	0	0	0	0	0	0	0	0	0	0	0
Debt Securities Held To Maturity Allowance For Cre…	0	0	0	0	0	0	0	0	0	0	0	0

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	0.00%	7.36%	11.05%	-	-	-	-	-	-	-	-	-
2025	1.83%	3.70%	3.05%	7.24%	5.50%	2.90%	1.89%	9.12%	14.53%	-3.28%	8.29%	2.13%
2024	-5.73%	-4.60%	15.63%	8.76%	4.00%	4.85%	1.51%	-8.23%	-6.94%	-3.82%	-6.26%	4.12%
2023	-	-	-	-8.10%	-16.48%	-16.42%	17.57%	29.23%	26.58%	-0.77%	-0.45%	2.03%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	30.17	28.75	25.93	23.74	20.94	3.77	2.51	2.01	1.80	1.84	1.96	2.21
Efficiency & Turnover
Days Sales Outstanding TTM	-	-	-	-	-	-	-	-	-	422,851.57	417,616.45	408,628.96
Receivables Turnover TTM	-	-	-	-	-	-	-	-	-	0.00	0.00	0.00
Per Share Metrics
Diluted EPS TTM	3.72	3.60	3.28	3.03	2.77	2.60	2.76	2.64	2.65	2.63	2.72	2.87
Free Cash Flow Per Share TTM	3.87	3.73	3.40	3.40	3.21	3.02	3.21	3.40	3.14	3.18	3.15	2.94
Dividend Per Share TTM	1.54	1.52	1.48	1.46	1.44	1.41	1.49	1.47	1.46	1.46	1.45	1.44
Margin Metrics
Gross Profit Margin TTM	-29.24%	-2,791.12%	-2,853.59%	-2,846.31%	-2,864.37%	-2,901.91%	-2,938.83%	-4,157.88%	-4,117.66%	-4,005.58%	-3,693.26%	-2,096.63%
Operating Profit Margin TTM	148.81%	3,188.26%	2,952.13%	2,744.91%	2,528.68%	2,365.43%	2,388.58%	2,381.25%	2,437.23%	2,470.68%	2,531.96%	2,667.11%
Net Profit Margin TTM	118.94%	2,543.21%	2,350.99%	2,168.37%	1,996.17%	1,891.60%	1,917.72%	1,903.94%	1,949.10%	1,951.28%	1,999.74%	2,122.21%
Growth Metrics
Net Revenue Growth (1Y)	2,090.38%	1.28%	1.60%	5.52%	7.39%	7.71%	6.18%	3.19%	1.77%	1.76%	6.40%	6.36%
Net Income Growth (1Y)	30.52%	36.17%	24.56%	20.17%	9.99%	4.42%	1.82%	-7.42%	-8.71%	-10.46%	-3.51%	9.32%
EPS Growth (1Y)	34.51%	38.87%	18.79%	14.75%	4.52%	-1.10%	1.49%	-7.75%	-9.02%	-10.72%	-3.31%	8.91%
Valuation Metrics
P/E TTM	12.28	11.36	11.48	11.91	12.64	12.70	12.81	13.09	11.30	12.43	12.47	8.60
P/B TTM	1.15	1.04	0.97	0.94	0.93	0.89	0.96	0.94	0.83	0.92	0.96	0.72
P/S TTM	14.60	288.95	269.99	258.19	252.33	240.17	245.65	249.20	220.22	242.52	249.36	182.48
Market Cap	6.32B	5.73B	5.34B	5.12B	4.99B	4.70B	4.78B	4.69B	4.05B	4.41B	4.57B	3.32B
Enterprise Value	4.24B	3.43B	2.79B	2.60B	2.67B	2.09B	2.49B	2.78B	2.20B	2.68B	2.97B	2.14B
Calculated Values
Free Cash Flow TTM	533.93M	521.12M	481.19M	481.18M	456.80M	429.81M	433.33M	459.21M	425.00M	428.44M	423.55M	396.22M
Net Debt	-2.08B	-2.31B	-2.54B	-2.52B	-2.31B	-2.61B	-2.29B	-1.91B	-1.86B	-1.73B	-1.60B	-1.18B
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-01-28Purchase

Owner: Rice, Lacy I Iii

Title: -

Shares: 101

Price/Share: $41.59

Value: $4,200.59

Shares Owned: 101

Relationship: Director

Ownership: Indirect

2025-03-24Purchase

Owner: Dumond, Sara

Title: -

Shares: 2,600

Price/Share: $35.01

Value: $91,026.00

Shares Owned: 5,054

Relationship: Director

Ownership: Direct

2024-12-18Sale

Owner: Nesselroad, Mark R

Title: -

Shares: 6,000

Price/Share: $39.16

Value: $234,960.00

Shares Owned: 35,424

Relationship: Director

Ownership: Indirect

2024-11-26Sale

Owner: Mcnamara, J Paul

Title: -

Shares: 2,500

Price/Share: $42.86

Value: $107,150.00

Shares Owned: 63,409

Relationship: Director

Ownership: Direct

2024-11-06Sale

Owner: Converse, Peter A

Title: -

Shares: 5,000

Price/Share: $40.00

Value: $200,000.00

Shares Owned: 434,769

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-01-28	Rice, Lacy I Iii	Director	-	Indirect	Purchase	101	41.59	$4,200.59	101	4
2025-03-24	Dumond, Sara	Director	-	Direct	Purchase	2,600	35.01	$91,026.00	5,054	4
2024-12-18	Nesselroad, Mark R	Director	-	Indirect	Sale	6,000	39.16	$234,960.00	35,424	4
2024-11-26	Mcnamara, J Paul	Director	-	Direct	Sale	2,500	42.86	$107,150.00	63,409	4
2024-11-06	Converse, Peter A	Director	-	Direct	Sale	5,000	40.00	$200,000.00	434,769	4
2023-11-21	Converse, Peter A	Director	-	Direct	Purchase	740	33.21	$24,575.40	438,023	4
2023-10-27	White, Gary G	Director	-	Direct	Purchase	400	27.81	$11,124.00	40,643	4
2023-06-06	White, Gary G	Director	-	Direct	Purchase	300	32.60	$9,780.00	39,484	4
2023-05-25	Rice, Lacy I Iii	Director	-	Direct	Purchase	10,000	29.43	$294,300.00	33,261	4
2023-05-17	White, Gary G	Director	-	Direct	Purchase	300	28.78	$8,634.00	39,184	4
2023-05-16	Fitzgerald, Michael P	Director	-	Direct	Purchase	3,500	28.49	$99,715.00	209,273	4
2023-05-16	Jackson, Diana Lewis	Director	-	Direct	Purchase	875	28.50	$24,937.50	8,549	4
2023-05-15	Mcnamara, J Paul	Director	-	Indirect	Purchase	350	28.21	$9,873.50	4,025	4
2023-01-30	Adams, Richard M Sr	Director,Officer	Chairman of the Board	Indirect	Purchase	47	39.25	$1,844.75	21,579	4
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Institutional Ownership

No data available for chart

2026-03-31

70.67%

Inst. Shares: 98,627,543

Shares Outstanding: 139,566,209

2025-12-31

69.00%

Inst. Shares: 97,633,533

Shares Outstanding: 141,497,205

2025-09-30

68.67%

Inst. Shares: 97,194,284

Shares Outstanding: 141,547,684

2025-06-30

70.50%

Inst. Shares: 100,261,912

Shares Outstanding: 142,206,539

2025-03-31

67.25%

Inst. Shares: 95,716,116

Shares Outstanding: 142,330,694

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	98,627,543	139,566,209	70.67%
2025-12-31	97,633,533	141,497,205	69.00%
2025-09-30	97,194,284	141,547,684	68.67%
2025-06-30	100,261,912	142,206,539	70.50%
2025-03-31	95,716,116	142,330,694	67.25%
2024-12-31	122,698,023	134,947,592	90.92%
2024-09-30	90,523,477	135,158,476	66.98%
2024-06-30	92,411,026	135,137,901	68.38%
2024-03-31	89,958,360	134,808,634	66.73%
2023-12-31	91,245,171	134,505,058	67.84%
2023-09-30	87,078,477	134,685,041	64.65%
2023-06-30	93,013,005	134,683,010	69.06%
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UNITED BANKSHARES INC/WV (UBSI) — SEC Financial Statements & Analysis

UNITED BANKSHARES INC/WV (UBSI) is a state commercial banks company, incorporated in WV. UNITED BANKSHARES INC/WV trades on Nasdaq as: UBSI. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), UNITED BANKSHARES INC/WV reported a 2090.38% year-over-year revenue growth, a Gross Profit Margin of -29.24% (TTM), a Price-to-Sales (P/S) ratio of 14.60x (TTM), a Price-to-Book (P/B) ratio of 1.15x (TTM), at a market cap of $6.32B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 2090.38%
Gross Profit Margin TTM: -29.24%
P/S TTM: 14.60x
P/B TTM: 1.15x
Market Cap: $6.32B

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is UNITED BANKSHARES INC/WV in?

UNITED BANKSHARES INC/WV (UBSI) operates in the State Commercial Banks industry.

What is UBSI's market cap?

UNITED BANKSHARES INC/WV (UBSI) has a market capitalization of $6.32B as of 2026-06-30.

What is UBSI's P/E ratio?

UNITED BANKSHARES INC/WV (UBSI)'s trailing twelve month P/E ratio is 12.28x as of 2026-06-30.

What exchange does UBSI trade on?

UNITED BANKSHARES INC/WV (UBSI) trades on the Nasdaq.

Where is UNITED BANKSHARES INC/WV incorporated?

UNITED BANKSHARES INC/WV is incorporated in WV.