United Bank/$UBSI
1D1W1MYTD1Y5YMAX
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
- 2,694
- Headquarters
- Charleston, United States
- Website
- www.ubsi-inc.com
United Bank Metrics
BasicAdvanced
$6.3B
12.71
$3.66
0.73
$1.51
3.27%
Price and volume
Market cap
$6.3B
Beta
0.73
52-week high
$49.62
52-week low
$34.10
Average daily volume
936K
Dividend rate
$1.51
Financial strength
Dividend payout ratio (TTM)
41.13%
Profitability
Net profit margin (TTM)
41.20%
Operating margin (TTM)
52.36%
Effective tax rate (TTM)
20.07%
Revenue per employee (TTM)
$460,000
Management effectiveness
Return on assets (TTM)
1.55%
Return on equity (TTM)
9.47%
Valuation
Price to earnings (TTM)
12.707
Price to revenue (TTM)
5.2
Price to book
1.15
Price to tangible book (TTM)
1.84
Price to free cash flow (TTM)
12.179
Free cash flow yield (TTM)
8.21%
Free cash flow per share (TTM)
3.82
Dividend yield (TTM)
3.25%
Forward dividend yield
3.27%
Growth
Revenue change (TTM)
14.91%
Earnings per share change (TTM)
29.33%
3-year revenue growth (CAGR)
6.21%
3-year earnings per share growth (CAGR)
7.95%
10-year earnings per share growth (CAGR)
6.67%
3-year dividend per share growth (CAGR)
1.59%
10-year dividend per share growth (CAGR)
1.43%
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
UBSI reported record Q2 2026 net income of $131.4 million, or $0.95 per diluted share, with net interest income up 4% year over year and average loans up 4%, demonstrating continued operating momentum. (United Bankshares)
Capital and credit metrics remain strong: UBSI reported a 13.3% estimated CET1 ratio, a 15.6% risk-based capital ratio, a 1.20% loan-loss allowance ratio and Q2 net charge-offs of only 0.08% annualized. (United Bankshares)
Shareholder returns are supported by a $0.38 quarterly dividend and a new authorization to repurchase up to 6.8 million shares, or approximately 5% of outstanding stock; the company also has a 52-year record of consecutive annual dividend increases. (United Bankshares)
Nonperforming loans increased to $110.6 million, or 0.44% of loans, from 0.41% in the prior quarter, while nonperforming assets rose to 0.36% of total assets from 0.34%, indicating emerging credit-quality pressure. (United Bankshares)
Underlying spread expansion remains limited: Q2 loan yields fell 27 basis points year over year and the net interest margin was unchanged at 3.81%, while average interest-bearing deposits grew 5%, leaving UBSI reliant on funding-cost discipline to sustain profitability. (United Bankshares)
Some Q2 noninterest-income gains were potentially nonrecurring, including a $5.9 million investment-sale gain, a $5.7 million Visa share-exchange gain and $1.0 million of unrealized equity gains; meanwhile, noninterest expense rose 5% year over year, which could weigh on core earnings if such gains do not repeat. (United Bankshares)
Data summarised monthly by Lightyear AI. Last updated on 9 Sept 2026.
United Bank Financial Performance
Revenues and expenses
United Bank Earnings Performance
Company profitability
Upcoming events
United Bank News
AllArticlesVideos
Funds containing United Bank
AllEURGBPUSD
Fund name | Fund size | $UBSI weighting |
|---|---|---|
iShares S&P US Banks€IUS2 | €1B | 0.97% |
iShares Dow Jones U.S. Select Dividend€EXX5 | €412M | 0.60% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.32% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | £2.4B | 0.32% |
SPDR S&P US Dividend Aristocrats€SPYD | €3.3B | 0.28% |
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.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.