Financial Services
Live Price
Offline$44.42
+0.52% today
1Y Change
+23.73%
Window
Jun 23, 2025 → Jun 18, 2026
Coverage: 249 bars · Jun 23, 2025 → 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 → 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.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
UBSI
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
UBSI Max Drawdown
-14.15%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for UBSI and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$1.1B
-7.5% YoY
FY Net Income
$367.7M
-3.1% YoY
Free Cash Flow
$594.2M
-20.1% YoY
Revenue Growth
+12.3%
EPS Growth
+18.8%
Gross Margin
67.4%
Net Margin
27.5%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 1.8B | 1.6B | 1.5B | 1.1B | 1.1B |
| Gross Profit | 1.2B | 1.0B | 1.0B | 1.0B | 1.0B |
| Operating Income | 590M | 465M | 464M | 476M | 463M |
| EBITDA | 590M | 475M | 487M | 499M | 471M |
| Net Income | 465M | 373M | 366M | 380M | 368M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 2.5B | 2.3B | 1.6B | 1.2B | 3.8B |
| Total Assets | 33.7B | 30.0B | 29.9B | 29.5B | 29.3B |
| Total Liabilities | 28.2B | 25.0B | 25.2B | 25.0B | 24.6B |
| Shareholder Equity | 5.5B | 5.0B | 4.8B | 4.5B | 4.7B |
| Total Debt | 921M | 803M | 2.1B | 2.4B | 1.0B |
| Net Debt | -1.6B | -1.5B | 480M | 1.3B | -2.7B |
Cash flow positioning
Latest Full Year
Operating Cash Flow
610M
-19.9% YoY
Capital Expenditures
15M
+8.8% YoY
Free Cash Flow
594M
-20.1% YoY
Key ratios
Gross Margin
67.4%
Operating Margin
34.8%
Net Margin
27.5%
ROE
9.3%
Debt / Equity
0.14x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.