Price
No data yet.
Social Signal Score
Analyst Ratings
11 analystsRevenue
$418.20M+195.17%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Richard Matthew Adams Jr.
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 2,694
- Beta
- 0.72
- Country
- US
- Piotroski score
- 8 / 9 (Strong)
- Altman Z-score
- 0.53
Financials
Revenue
$418.20M+195.2%Net Income
$131.38M+216.7%EBITDA
$127.47M+111.3%Free Cash Flow
$110.00M+80.4%EPS (diluted)
$0.94+74.1%Shares Outstanding (diluted)
140.09M+82.8%Operating Expenses
$154.72MCash & Debt
$5.40BReturn of Capital
$119.30MRevenue by Segment (annual)
$103.59MDividend per Share
$0.38Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $1.82B | $464.60M | $3.28 |
| 2024 | $1.62B | $373.00M | $2.76 |
| 2023 | $1.53B | $366.31M | $2.72 |
| 2022 | $1.15B | $379.63M | $2.81 |
| 2021 | $1.06B | $367.74M | $2.84 |
| 2020 | $1.14B | $289.02M | $2.40 |
| 2019 | $910.75M | $260.10M | $2.56 |
| 2018 | $841.42M | $256.34M | $2.46 |
| 2017 | $753.64M | $150.58M | $1.54 |
| 2016 | $538.63M | $147.08M | $2.00 |
| 2015 | $495.75M | $137.96M | $1.99 |
| 2014 | $489.14M | $129.89M | $1.93 |
| 2013 | $371.33M | $85.63M | $1.70 |
| 2012 | $387.42M | $82.61M | $1.64 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from UBSI's reported EPS growth of 5.5% a year over 13 years.
- EPS in 5 years
- $4.32
- Implied price
- $51.87
- Return from $47.04
- 2.0% a year
To earn 15.0% a year on these assumptions you'd need to buy at $25.79 — -45.2% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 8 | 10 | 12 | 14 | 16 |
|---|---|---|---|---|---|
| -4.5% | -14.9% | -11.0% | -7.7% | -4.8% | -2.2% |
| 0.5% | -10.4% | -6.3% | -2.9% | 0.2% | 2.9% |
| 5.5% | -6.0% | -1.7% | 2.0% | 5.2% | 8.0% |
| 10.5% | -1.5% | 3.0% | 6.8% | 10.2% | 13.1% |
| 15.5% | 2.9% | 7.6% | 11.6% | 15.1% | 18.3% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
70+0.00%Social Signal Score
Mentions (7)
- Newszacks.com·3d ago·Positive
This is Why United Bankshares (UBSI) is a Great Dividend Stock Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does United Bankshares (UBSI) have what it takes?
View source ↗ - Newszacks.com·19d ago·Positive
United Bankshares (UBSI) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does United Bankshares (UBSI) have what it takes?
View source ↗ - News (RSS)fool·25d ago·Negative
United Bankshares Director Sells 3,200 Shares for $148,544 Despite the sale,
View source ↗ - Newsfool.com·25d ago·Negative
United Bankshares Director Sells 3,200 Shares for $148,544 The transaction, conducted on Sept. 1, was valued at $148,544.
View source ↗ - News (Marketaux)insidermonkey.com·42d ago·Positive
United Bankshares: An Underrated Dividend Stock with a 52-Year Growth Streak United Bankshares, <em[+295 characters]
View source ↗ - Newsbusinesswire.com·42d ago·Neutral
United Bankshares Declares Third Quarter Dividend and Announces New Stock Repurchase Program WASHINGTON & CHARLESTON, W. Va.--(BUSINESS WIRE)--United Bankshares Declares Third Quarter Dividend and Announces New Stock Repurchase Program.
View source ↗ - Newszacks.com·53d ago·Positive
Why United Bankshares (UBSI) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does United Bankshares (UBSI) have what it takes?
View source ↗
Earnings
Thu, Oct 22(in 2 weeks)
Consensus estimate $0.93 per share
Typical surprise +5.8% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Jul 23$0.95 vs $0.89beat
- Thu, Apr 23$0.89 vs $0.85beat
- Thu, Jan 22$0.91 vs $0.86beat
- Thu, Oct 23$0.92 vs $0.81beat
- Thu, Jul 24$0.85 vs $0.77beat
- Thu, Apr 24$0.59 vs $0.66miss
Estimates and results for UBSI via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by UBSI officers and directors.
- Bought
- —
- Sold
- $149k
10 trades
1 trade
- Winter P Clintonbought
- Nesselroad Mark Rsold
- Winter P Clintonbought
- Winter P Clintonbought
- Winter P Clintonbought
- Winter P Clintonbought
- Winter P Clintonbought
- Winter P Clintonbought
89 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
- Lisa C. McClainhouse · MI09 · disclosed Aug 13, 2025 (63d later)Sell$1,001 - $15,000
- Lisa C. McClainhouse · MI09 · disclosed Aug 13, 2025 (65d later)Buy$1,001 - $15,000
- Chris Jacobshouse · NY27 · disclosed Sep 9, 2022 (53d later)Sell$1,001 - $15,000
- Shelley Moore Capitosenate · WV · disclosed Apr 12, 2021 (40d later)Buy$100,001 - $250,000
- Shelley Moore Capitosenate · WV · disclosed Mar 14, 2021 (19d later)Buy$50,001 - $100,000
- Donna Shalalahouse · FL27 · disclosed Apr 27, 2020 (308d later)Sell$1,001 - $15,000
- Donna Shalalahouse · FL27 · disclosed Apr 27, 2020 (328d later)Buy$1,001 - $15,000
- Lois Frankelhouse · FL21 · disclosed Mar 23, 2020 (12d later)Sell$1,001 - $15,000
- Josh S. Gottheimerhouse · NJ05 · disclosed Mar 16, 2020 (42d later)Sell$1,001 - $15,000
- Gilbert Ray Cisneroshouse · CA31 · disclosed Mar 10, 2020 (29d later)Sell$1,001 - $15,000
- Gilbert Ray Cisneroshouse · CA31 · disclosed Feb 18, 2020 (20d later)Buy$1,001 - $15,000
- Josh S. Gottheimerhouse · NJ05 · disclosed Feb 10, 2020 (31d later)Buy$1,001 - $15,000
- Gilbert Ray Cisneroshouse · CA31 · disclosed Jan 10, 2020 (11d later)Sell$1,001 - $15,000
- Josh S. Gottheimerhouse · NJ05 · disclosed Jan 6, 2020 (27d later)Sell$1,001 - $15,000
- Lois Frankelhouse · FL21 · disclosed Nov 22, 2019 (24d later)Sell$1,001 - $15,000
- Shelley Moore Capitosenate · WV · disclosed May 9, 2019 (380d later)Sell$15,001 - $50,000
- Shelley Moore Capitosenate · WV · disclosed May 9, 2019 (399d later)Sell$15,001 - $50,000
- Debbie Dingellhouse · MI12 · disclosed Apr 14, 2019 (20d later)Buy$1,001 - $15,000
- Shelley Moore Capitosenate · WV · disclosed May 14, 2018 (20d later)Sell$15,001 - $50,000
- Shelley Moore Capitosenate · WV · disclosed May 14, 2018 (39d later)Sell$15,001 - $50,000
Self-reported filings, amounts as brackets. Via Senate/House disclosures.