UBSI - NASDAQ

United Bankshares, Inc.

UBSI·NASDAQ

$42.58

-0.42%

Financial ServicesBanks - Regional

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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$5.87B

EPS3.2800

P/E Ratio12.98

Earnings Date07/23/2026

33.66B

Assets

12%

3Y+14.0%

5Y+29.0%

10Y+132.0%

28.16B

Total Liabilities

13%

3Y+13.0%

5Y+29.0%

10Y+129.0%

5.50B

Total Equity

10%

3Y+22.0%

5Y+28.0%

10Y+146.0%

United Bankshares, Inc. Funding & Solvency Profile

UBSI · NASDAQ

Current Assets

Cash & Cash Equivalents2.54B

Net Receivables0.00

Inventory0.00

Other Current Assets0.00

Total Current Assets6 B

Non-Current Assets

Property, Plant & Equipment89.31M

Goodwill & Intangible Assets2.05B

Long-Term Investments0.00

Other Non-Current Assets95.39M

Total Non-Current Assets185 M

Total Assets

33.66B

Financial Health Analysis

Current Ratio

28.21x

Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.

Debt-to-Equity Ratio

5.12x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

5 B

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

17% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.

United Bankshares, Inc. Balance Sheet

UBSI • NASDAQ

United Bankshares, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	2.5B	2.3B	1.6B	1.2B	3.8B	2.2B	836.7M	1B	1.7B	1.4B	856.6M	752.3M	415.9M	431.1M	635M	460.7M	449.1M	205.1M	213.1M	240.4M
Short-Term Investments	3.1B	261.5M	3.8B	4.5B	4B	3B	2.4B	2.3B	1.9B	1.3B	1.1B	1.2B	775.3M	625.6M	696.5M	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	5.6B	2.6B	5.4B	5.7B	7.8B	5.2B	3.3B	3.4B	3.6B	2.7B	1.9B	1.9B	1.2B	1.1B	1.3B	460.7M	449.1M	205.1M	213.1M	240.4M
Net Receivables	0.0	102.4M	111.4M	94.9M	64.5M	66.8M	58.1M	60.6M	52.8M	39.4M	35.8M	32.3M	26.7M	26.3M	26.5M	23.6M	27.2M	31.8M	38.2M	34.5M
Accounts Receivables	0.0	102.4M	111.4M	94.9M	64.5M	66.8M	58.1M	60.6M	52.8M	39.4M	35.8M	32.3M	26.7M	26.3M	26.5M	23.6M	27.2M	31.8M	38.2M	34.5M
Total Current Assets	5.6B	2.7B	5.5B	5.8B	7.9B	5.2B	3.3B	3.4B	3.6B	2.7B	2B	2B	1.2B	1.1B	1.4B	484.2M	476.2M	236.9M	251.4M	275M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	89.3M	267.9M	277.5M	270.3M	279.2M	245.3M	154.4M	95.2M	104.9M	75.9M	73.1M	77.5M	69.9M	72.2M	76.4M	55.4M	57.5M	58.6M	61.7M	38.1M
Goodwill	2B	1.9B	1.9B	1.9B	1.9B	1.8B	1.5B	1.5B	1.5B	863.8M	710.3M	709.8M	375.5M	375.6M	375.6M	311.8M	312.1M	312.3M	312.1M	167.4M
Intangible Assets	32.3M	8.9M	4.6M	21M	23.1M	21M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Goodwill & Intangible Assets	2.1B	1.9B	1.9B	1.9B	1.9B	1.8B	1.5B	1.5B	1.5B	863.8M	710.3M	709.8M	375.5M	375.6M	375.6M	314.7M	312.1M	312.3M	312.1M	167.4M
Long-Term Investments	0.0	24.4B	21.5B	20.7B	18.6B	18.3B	14.3B	13.8B	13.4B	10.4B	9.5B	9.2B	6.7B	6.6B	6.3B	6B	6.6B	7.2B	7.1B	6B
Other Non-Current Assets	95.4M	759.2M	764.5M	785.8M	710.6M	585.3M	442.7M	458M	485.1M	415.6M	379M	403M	323.4M	330.2M	352.9M	315.5M	318.1M	249M	230.5M	196.5M
Total Non-Current Assets	2.2B	27.4B	24.4B	23.7B	21.5B	21B	16.3B	15.8B	15.5B	11.8B	10.6B	10.4B	7.5B	7.3B	7.1B	6.7B	7.3B	7.9B	7.7B	6.4B
Other Assets	25.8B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Assets	33.7B	30B	29.9B	29.5B	29.3B	26.2B	19.7B	19.3B	19.1B	14.5B	12.6B	12.3B	8.7B	8.4B	8.5B	7.2B	7.8B	8.1B	8B	6.7B
LIABILITIES
CURRENT LIABILITIES
Accrued Expenses	0.0	0.0	212.5M	189.7M	195.6M	202.3M	170.3M	152.3M	145.6M	93.7M	84.6M	84.7M	63.4M	73.2M	61.6M	67.5M	75.4M	84.3M	65.3M	0.0
Short Term Debt	198.6M	176.1M	196.1M	160.7M	128.8M	142.3M	124.7M	176.3M	327.6M	259.6M	363.9M	488M	215.8M	215M	254.8M	193.2M	222.9M	566.3M	602.1M	562.3M
Other Current Liabilities	0.0	24B	22.8B	22.3B	23.4B	20.6B	13.9B	14B	13.8B	10.8B	9.3B	9B	6.6B	6.8B	6.8B	5.7B	6B	5.6B	5.3B	4.8B
Total Current Liabilities	198.6M	24.1B	23.2B	22.7B	23.7B	20.9B	14.1B	14.3B	14.3B	11.2B	9.8B	9.6B	6.9B	7B	7.1B	6B	6.3B	6.3B	6B	5.4B
NON-CURRENT LIABILITIES
Long Term Debt	627.2M	540.4M	1.8B	2.2B	817.4M	864.4M	2.1B	1.7B	1.5B	1.1B	1.1B	1.1B	790.7M	384.9M	345.4M	386.5M	771.9M	1.1B	1.2B	619.2M
Other Non-Current Liabilities	27.2B	265.2M	44.7M	46.2M	31.4M	19.3M	1.7M	1.4M	679K	1M	936K	1.5M	2.1M	1.7M	1.9M	2M	2.2M	2.1M	8.3M	73.8M
Total Non-Current Liabilities	28B	892.4M	1.9B	2.3B	935.5M	956.8M	2.2B	1.7B	1.5B	1.1B	1.1B	1.1B	790.7M	384.9M	345.4M	386.5M	771.9M	1.1B	1.2B	693M
Capital Lease Obligations	95.4M	86.8M	92.9M	75.7M	86.7M	73.2M	61.3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	28.2B	25B	25.2B	25B	24.6B	21.9B	16.3B	16B	15.8B	12.3B	10.9B	10.7B	7.7B	7.4B	7.5B	6.4B	7B	7.4B	7.2B	6.1B
SHAREHOLDERS' EQUITY
Treasury Stock	0.0	-253.5M	-252.1M	-250.4M	-170.6M	-159.1M	-137.8M	-102M	-1M	-975K	-820K	-633K	-15M	-20.2M	-22.4M	-23.8M	-29.8M	-31.7M	-37.7M	-113.9M
Common Stock	5.5B	356.7M	355.6M	355M	353.4M	334.5M	263.7M	263.1M	262.7M	202.7M	174.1M	173.3M	127.2M	127.2M	127.2M	110.8M	110.8M	110.8M	110.8M	110.8M
Additional Paid-In Capital	0.0	3.2B	3.2B	3.2B	3.1B	2.9B	2.1B	2.1B	2.1B	1.2B	753M	743M	237.7M	238.7M	238.8M	93.4M	95.3M	96.7M	98.4M	93.7M
Retained Earnings	0.0	1.9B	1.7B	1.6B	1.4B	1.2B	1.1B	1B	891.8M	873M	824.6M	776.3M	734.9M	712.3M	692M	673.3M	653.6M	637.2M	602.2M	559.3M
Accumulated Other Comprehensive Income/Loss	0.0	-223.9M	-259.7M	-332.7M	-4.9M	22.4M	-34.9M	-57M	-42M	-44.7M	-38.2M	-35.8M	-43M	-65.7M	-66.8M	-60.7M	-68.4M	-76.2M	-12.5M	-15.8M
Total Stockholders' Equity	5.5B	5B	4.8B	4.5B	4.7B	4.3B	3.4B	3.3B	3.2B	2.2B	1.7B	1.7B	1B	992.3M	968.8M	793M	761.6M	736.7M	761.2M	634.1M
Total Equity	5.5B	5B	4.8B	4.5B	4.7B	4.3B	3.4B	3.3B	3.2B	2.2B	1.7B	1.7B	1B	992.3M	968.8M	793M	761.6M	736.7M	761.2M	634.1M
SUMMARY
Total Liabilities & Equity	33.7B	30B	29.9B	29.5B	29.3B	26.2B	19.7B	19.3B	19.1B	14.5B	12.6B	12.3B	8.7B	8.4B	8.5B	7.2B	7.8B	8.1B	8B	6.7B
Total Investments	3.1B	24.7B	25.3B	25.3B	22.6B	21.3B	16.7B	16.1B	15.3B	11.7B	10.5B	10.4B	7.5B	7.2B	7B	6B	6.6B	7.2B	7.1B	6B
Total Debt	921.2M	803.3M	2.1B	2.4B	1B	1.1B	2.3B	1.9B	1.8B	1.4B	1.4B	1.5B	1B	599.9M	600.1M	579.7M	994.9M	1.6B	1.8B	1.2B
Net Debt	-1.6B	-1.5B	480.3M	1.3B	-2.7B	-1.1B	1.4B	830.8M	176.2M	-52.2M	581.7M	788.6M	590.6M	168.8M	-34.9M	119M	545.8M	1.4B	1.6B	941M
Shares Outstanding	140,416,592	140,416,592	140,416,592	140,416,592	140,416,592	140,416,592	140,416,592	140,416,592	140,416,592	140,416,592	140,416,592	140,416,592	140,416,592	140,416,592	140,416,592	140,416,592	140,416,592	140,416,592	140,416,592	140,416,592

SEC Filings

UBSI - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 18, 2026	May 13, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 08, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 23, 2026	April 23, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 01, 2026	May 13, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 27, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 22, 2026	January 22, 2026	2026	View Filing
8-K 8-K 2025 N/A	November 21, 2025	November 20, 2025	2025	View Filing
10-Q 10-Q 2025 Q3 Q3	November 07, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 23, 2025	October 23, 2025	2025	View Filing
10-Q 10-Q 2025 Q2 Q2	August 08, 2025	June 30, 2025	2025	View Filing

Showing 1 to 10 of 441 filings

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