United Bankshares (UBSI) Stock Price
United Bankshares Price
United Bankshares (UBSI) Stock | ISIN US9099071071 | WKN 923128. The current United Bankshares stock price is 45.26 USD (2026). Revenue is 1.32 B USD. Net income is 503.62 M USD. The P/E ratio is 12.75. Market capitalization is 6.33 B USD. United Bankshares operates in the Finance sector.
Over the last 19 years United Bankshares grew revenue by 7.6% annually, reaching 1.82 B USD. Earnings per share have grown at 2.3% per year over the last 19 years. For United Bankshares, the net margin of 25.5% is down versus 34.3% a few years ago. At today's price the dividend yield works out to roughly 3.29%. The payout ratio is around 52% of earnings. The dividend has grown at 1.7% per year over the past 19 years.
United Bankshares stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of United Bankshares over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how United Bankshares stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing United Bankshares's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
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United Bankshares Revenue, EBIT, Net Income
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United Bankshares Income Statement, Balance Sheet, Cash Flow Statement
| REVENUE (B USD) |
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| REVENUE GROWTH (%) |
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| GROSS INCOME (M USD) |
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| EBIT MARGIN (%) |
| NET INCOME (M USD) |
| NET INCOME GROWTH (%) |
| DIVIDEND (USD)DIV. (USD) |
| DIVIDEND GROWTH (%)DIV. GROWTH (%) |
| SHARES (M) |
| DOCUMENTS |
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026e | 2027e |
|---|---|---|---|---|---|---|---|
| 1.15 | 1.07 | 1.15 | 1.53 | 1.62 | 1.82 | 1.32 | 1.39 |
| 26.07 | -6.95 | 7.66 | 33.04 | 5.8 | 12.2 | -27.62 | 5.16 |
| - | - | - | - | - | - | - | - |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 | 0 | 0 | 675 | 713 |
| – | – | – | – | – | – | – | – |
| 289 | 367 | 379 | 366 | 372 | 464 | 503 | 537 |
| 11.15 | 26.99 | 3.27 | -3.43 | 1.64 | 24.73 | 8.41 | 6.76 |
| 1.4 | 1.41 | 1.44 | 1.45 | 1.48 | 1.49 | 1.87 | 1.99 |
| 2.19 | 0.71 | 2.13 | 0.69 | 2.07 | 0.68 | 25.5 | 6.42 |
| 120.1 | 129.5 | 135.1 | 134.75 | 135.23 | 141.83 | 141.83 | 141.83 |
| – | – | – | – | – | – | – | – |
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Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales United Bankshares generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue United Bankshares retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare United Bankshares's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares United Bankshares has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against United Bankshares's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
United Bankshares stock margins
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United Bankshares Stock Revenue, EBIT, Earnings per Share
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United Bankshares business model & stock analysis
United Bankshares SWOT Analysis
Strengths
1. Strong financial performance: United Bankshares Inc has consistently demonstrated a strong financial performance, showcasing stability and profitability in its operations over the years.
2. Extensive branch network: The company boasts a widespread branch network, allowing for greater accessibility and convenience for its customers.
3. High customer satisfaction: United Bankshares Inc has earned a positive reputation for its excellent customer service, leading to high levels of customer satisfaction and loyalty.
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[ { "heading": "1.", "text": "Intense" }, { "heading": "2.", "text": "Economic" }, { "heading": "3.", "text": "Regulatory" } ]
Weaknesses
1. Limited international presence: The bank's operations are primarily focused on the domestic market, which may limit its growth potential compared to competitors with a global reach.
2. Reliance on traditional banking: United Bankshares Inc heavily relies on traditional banking products and services, which could make it vulnerable to changes in customer preferences towards digital or online banking.
3. Lack of product diversification: The bank may face challenges in attracting customers looking for a broader range of financial products and services that are not currently offered.
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[ { "heading": "1.", "text": "Intense" }, { "heading": "2.", "text": "Economic" }, { "heading": "3.", "text": "Regulatory" } ]
Opportunities
1. Expansion through strategic acquisitions: United Bankshares Inc can capitalize on growth opportunities by acquiring smaller regional banks, increasing its market share and expanding its customer base.
2. Growing demand for digital banking solutions: The bank can invest in developing and promoting its digital banking platforms to meet the evolving needs of customers and retain a competitive edge.
3. Emerging international markets: Exploring entry into emerging markets can enable United Bankshares Inc to diversify its revenue streams and potentially achieve higher growth rates.
[ { "heading": "1.", "text": "Intense" }, { "heading": "2.", "text": "Economic" }, { "heading": "3.", "text": "Regulatory" } ]
Threats
1. Intense competition: United Bankshares Inc operates in a highly competitive industry with both traditional banks and fintech startups constantly vying for market share, which could affect its profitability.
2. Economic downturns: A potential economic recession or financial crisis could adversely impact the bank's loan portfolio, profitability, and overall business performance.
3. Regulatory challenges: The bank operates in a heavily regulated environment, making it susceptible to changes in regulations, compliance costs, and potential legal risks.
United Bankshares Eulerpool Fair Value
United Bankshares historical P/E ratio, EBIT multiple, and P/S ratio
United Bankshares annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
United Bankshares shares outstanding
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United Bankshares Dividend History
36 years of dividend payments · 26 consecutive increases
United Bankshares dividend history and estimates
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United Bankshares dividend payout ratio
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United Bankshares Earnings Estimates
United Bankshares Earnings Estimates
| Date | EPS estimate | Revenue Estimate | Quarterly report |
|---|---|---|---|
| 4/22/2026 | 0.87USD | 321.45 MUSD | 2026 Q1 |
| 1/22/2026 | 0.88USD | 321.94 MUSD | 2025 Q4 |
| 4/24/2024 | 0.65USD | 261.9 MUSD | 2024 Q1 |
| 1/24/2024 | 0.67USD | 270.01 MUSD | 2023 Q4 |
| 7/26/2023 | 0.77USD | 283.19 MUSD | 2023 Q2 |
| 4/24/2023 | 0.76USD | 276.86 MUSD | 2023 Q1 |
| 1/25/2023 | 0.82USD | 282.03 MUSD | 2022 Q4 |
| 10/27/2022 | 0.68USD | 267.66 MUSD | 2022 Q3 |
| 7/28/2022 | 0.64USD | 253.12 MUSD | 2022 Q2 |
| 4/26/2022 | 0.61USD | 248.08 MUSD | 2022 Q1 |
EESG©
Eulerpool ESG Scorecard© for the United Bankshares stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.
United Bankshares shareholder structure
| % | Name |
|---|---|
13.28592% | |
10.62412% | |
5.84491% | |
5.51707% | |
3.30687% | |
2.56688% | |
2.56103% | |
1.53975% | |
1.38403% | |
1.22473% |
United Bankshares Executives and Management Board
Mr. Richard Adams
(56)Chief Executive Officer, Director · since 2000
Mr. Richard Adams
(78)Executive Chairman of the Board · since 1984
Mr. James Consagra
(64)President, Chief Executive Officer of United Bank
Mr. W. Mark Tatterson
(49)Chief Financial Officer, Executive Vice President, Treasurer
Mr. Darren Williams
(52)Chief Risk and Information Officer, Executive Vice President
Frequently asked questions about United Bankshares
United Bankshares Inc. operates as a bank holding company. Its primary business model is providing a diverse range of banking and financial services to individual and corporate clients. United Bankshares Inc. offers various banking products and services, including commercial and retail banking, mortgage banking, wealth management, and insurance. The company focuses on establishing lasting relationships with customers and delivering personalized financial solutions. United Bankshares Inc. strives to be a trusted and reliable financial partner, leveraging its extensive industry experience and strong community presence.
United Bankshares stock
United Bankshares Peer Group
United Bankshares Ticker
United Bankshares FIGI
All fundamentals and in-depth analysis of United Bankshares
Our stock analysis for United Bankshares Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of United Bankshares Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.