United Bank/$UBSI
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About United Bank
United Bankshares Inc is a financial holding company that provides banking services. The company operates in one segment: Community banking, which accepts deposits, makes loans (for personal, credit card, commercial, and construction uses), provides brokerage services, safe deposit boxes, and related services.
Ticker
$UBSI
Sector
Primary listing
Industry
Banks
Headquarters
Employees
2,553
ISIN
US9099071071
Website
United Bank Metrics
BasicAdvanced
$5.4B
14.08
$2.70
0.77
$1.48
3.90%
Price and volume
Market cap
$5.4B
Beta
0.77
52-week high
$43.21
52-week low
$30.51
Average daily volume
809K
Dividend rate
$1.48
Financial strength
Dividend payout ratio (TTM)
54.27%
Profitability
Net profit margin (TTM)
35.63%
Operating margin (TTM)
49.39%
Effective tax rate (TTM)
20.03%
Revenue per employee (TTM)
$410,000
Management effectiveness
Return on assets (TTM)
1.18%
Return on equity (TTM)
7.32%
Valuation
Price to earnings (TTM)
14.08
Price to revenue (TTM)
5.085
Price to book
1.02
Price to tangible book (TTM)
1.66
Price to free cash flow (TTM)
11.74
Free cash flow yield (TTM)
8.52%
Free cash flow per share (TTM)
323.25%
Dividend yield (TTM)
3.90%
Forward dividend yield
3.90%
Growth
Revenue change (TTM)
0.82%
Earnings per share change (TTM)
2.88%
3-year revenue growth (CAGR)
0.62%
3-year earnings per share growth (CAGR)
1.23%
10-year earnings per share growth (CAGR)
3.34%
3-year dividend per share growth (CAGR)
1.39%
10-year dividend per share growth (CAGR)
1.46%
What the Analysts think about United Bank
Analyst ratings (Buy, Hold, Sell) for United Bank stock.
Bulls say / Bears say
United Bankshares reported record net interest income of $260.1 million in Q1 2025, marking a 12% increase from the previous quarter, indicating strong core banking performance. (GuruFocus)
The successful acquisition of Piedmont Bancorp in early 2025 expanded United Bankshares' asset base to approximately $32 billion, enhancing its market presence and growth potential. (GuruFocus)
United Bankshares has maintained a 51-year streak of annual dividend increases, demonstrating financial stability and a strong commitment to shareholder returns. (AInvest)
In Q1 2025, United Bankshares' provision for credit losses increased significantly to $29.1 million from $6.7 million in the previous quarter, suggesting potential concerns about loan quality. (GuruFocus)
Noninterest income for Q4 2024 decreased by 13% compared to the same quarter in 2023, primarily due to declines in mortgage banking activities, which could impact overall revenue diversification. (United Bankshares)
Analyst sentiment remains cautious, with the stock holding an average rating of 'Hold' and a price target of $40.25, indicating limited expected upside. (Defense World)
Data summarised monthly by Lightyear AI. Last updated on 12 Jul 2025.
United Bank Financial Performance
Revenues and expenses
United Bank Earnings Performance
Company profitability
United Bank News
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Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for United Bank stock?
United Bank (UBSI) has a market cap of $5.4B as of July 15, 2025.
What is the P/E ratio for United Bank stock?
The price to earnings (P/E) ratio for United Bank (UBSI) stock is 14.08 as of July 15, 2025.
Does United Bank stock pay dividends?
Yes, the United Bank (UBSI) stock pays dividends to shareholders. As of July 15, 2025, the dividend rate is $1.48 and the yield is 3.9%. United Bank has a payout ratio of 54.27% on a trailing twelve-month basis.
When is the next United Bank dividend payment date?
The next United Bank (UBSI) dividend payment date is unconfirmed.
What is the beta indicator for United Bank?
United Bank (UBSI) has a beta rating of 0.77. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.