United Bank/$UBSI
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About United Bank
United Bankshares Inc is a financial holding company that provides banking services. The company operates in one segment: Community banking, which offers a full range-of-products and services through various delivery channels. Included among the banking products and services offered are the acceptance of deposits in checking, savings, time, and money market accounts; the making and servicing of personal, credit card, commercial, and floor plan loans; and the making of construction and real estate loans, as well as the origination and sale of residential mortgages in the secondary market. Also offered are trust and brokerage services, safe deposit boxes, and wire transfers.
- Ticker
- $UBSI
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 2,812
- Headquarters
- Charleston, United States
- Website
- www.ubsi-inc.com
United Bank Metrics
BasicAdvanced
$6.6B
13.40
$3.68
0.74
$1.52
3.08%
Price and volume
Market cap
$6.6B
Beta
0.74
52-week high
$49.62
52-week low
$34.68
Average daily volume
946K
Dividend rate
$1.52
Financial strength
Profitability
Net profit margin (TTM)
40.78%
Operating margin (TTM)
51.84%
Effective tax rate (TTM)
20.10%
Revenue per employee (TTM)
$450,000
Management effectiveness
Return on assets (TTM)
1.52%
Return on equity (TTM)
9.45%
Valuation
Price to earnings (TTM)
13.396
Price to revenue (TTM)
5.427
Price to book
1.23
Price to tangible book (TTM)
1.97
Dividend yield (TTM)
3.08%
Forward dividend yield
3.08%
Growth
Revenue change (TTM)
9.96%
Earnings per share change (TTM)
20.56%
3-year revenue growth (CAGR)
6.73%
3-year earnings per share growth (CAGR)
8.77%
10-year earnings per share growth (CAGR)
6.50%
3-year dividend per share growth (CAGR)
1.82%
10-year dividend per share growth (CAGR)
1.42%
What the Analysts think about United Bank
Analyst ratings (Buy, Hold, Sell) for United Bank stock.
Analyst projections of the future price of United Bank stock.
Bulls say / Bears say
Third-quarter net interest income reached a record $294.3 million, up 3% sequentially, while net interest margin widened to 3.86% from 3.81%. Loans grew by $227.5 million from the prior quarter, largely funded by deposit growth. (United Bankshares)
The planned Palm Beach office gives United a de novo entry into Florida, broadening its Southeast footprint with commercial and private banking, wealth management, treasury and lending services. This offers another route to organic growth beyond its existing markets. (United Bankshares)
United declared a quarterly dividend of $0.38 and authorised a new share-repurchase plan covering up to 6.8 million shares, about 5% of those outstanding. The dividend record and potential buybacks support shareholder returns and give management options for capital allocation. (United Bankshares)
Credit losses rose sequentially: net charge-offs increased to $11.6 million from $5.1 million, while the loan-loss allowance fell to 1.16% of loans from 1.20%. A $6.3 million charge-off came from one commercial relationship that had already been fully reserved, but the broader credit trend still merits attention. (United Bankshares)
Non-interest income fell 20% sequentially to $30.8 million, including a $1.6 million drop in mortgage-banking income as production and valuations weakened. That volatility could make earnings more dependent on spread income. (United Bankshares)
The funding-cost tailwind may be fading: the rate paid on average interest-bearing deposits rose 4 basis points from the second quarter, despite being down 33 basis points year on year. If deposit costs rise faster than asset yields, further margin expansion could become harder. (United Bankshares)
Data summarised monthly by Lightyear AI. Last updated on 2 Nov 2026.
United Bank Financial Performance
Revenues and expenses
United Bank Earnings Performance
Company profitability
Upcoming events
No upcoming events
United Bank News
AllArticlesVideos
Funds containing United Bank
AllUSDEURGBP
Fund name | Fund size | $UBSI weighting |
|---|---|---|
iShares S&P US Banks€IUS2 | $1.1B | 1.01% |
iShares Dow Jones U.S. Select Dividend€EXX5 | €412M | 0.60% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | $3.2B | 0.34% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | $3.2B | 0.34% |
SPDR S&P US Dividend Aristocrats€SPYD | $3.8B | 0.26% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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