Financial Services
United Bankshares, Inc.(UBSI)
Live Price
Offline$44.42
+0.52% today
1Y Change
+23.73%
Window
Jun 23, 2025 โ Jun 18, 2026
- Market Cap
- $6.10B
- Revenue Growth
- +12.3%
- EPS Growth
- +18.8%
- Dividend Yield
- 3.4%
Coverage: 249 bars ยท Jun 23, 2025 โ Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
United Bankshares, Inc. (UBSI) is a Financial Services stock with a market cap of $6.10B and listed on NASDAQ. The stock last traded around $44.42 and up 23.7% across the available one-year price window (Jun 23, 2025 โ Jun 18, 2026). Baseline metrics include revenue growth of +12.3%, EPS growth of +18.8%, a dividend yield of 3.4%. What stands out right now is revenue +12.3%, EPS +18.8%, free cash flow +11.0% with operating margin 34.8% and ROIC 6.6%. The dividend matters to the case here, with a current yield around 3.4%. Valuation is more restrained than many high-expectation growth names at P/E 12.1 and price/sales 3.3. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines UBSI price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+12.3% vs +3.4% peer median
Operating Margin
Above sector median
+34.8% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 23, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +12.3% and EPS at +18.8%, with operating margin around 34.8%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 3.4%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +0.2% over the next 5 trading days and finished higher after 1 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 23, 2026 | โ | -1.0% | -0.2% | -1.9% |
2026 Jan 22, 2026 | +5.8% | -3.0% | -0.9% | +3.6% |
2025 Oct 23, 2025 | +13.3% | +3.6% | +1.8% | +1.7% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
UBSI
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
UBSI Max Drawdown
-14.15%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for UBSI and SPY.
Company Overview
United Bankshares, Inc.
NASDAQ Global Select
United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States. It operates through two segments, Community Banking and Mortgage Banking. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, NOW accounts, and interest-bearing checking accounts. Its loan products include commercial loans and leases; construction and real estate loans; personal, student, credit card, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; safe deposit boxes, wire transfers, and other banking products and services; investment and security services; services to correspondent banks, including buying and selling federal funds; automated teller machine services; and internet and telephone banking services. Further, it offers community banking services, such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services. 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. United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia.
- Leadership
- Richard Matthew Adams Jr.
- IPO Date
- Jun 4, 1987
- Employees
- 2.6k
- Street Address
- 300 United Center
- Mailing
- Charleston, WV, 25301
- Region
- Charleston, WV, US
- Reporting Currency
- USD
- Investor Line
- 304 424 8716
- Last Updated
- May 5, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 12.1
- EV/EBITDA
- 7.2
- Price/Sales
- 3.3
- Price/Book
- 1.1
Growth
- Revenue
- +12.3%
- EPS
- +18.8%
- Free Cash Flow
- +11.0%
Profitability
- Gross Margin
- 67.4%
- Operating Margin
- 34.8%
- Net Margin
- 27.5%
- ROE
- 9.3%
- ROIC
- 6.6%
Balance Sheet
- Debt/Equity
- 0.14
- Current Ratio
- 33.20
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.