UBSI · United Bankshares Inc/Wv - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $155.99M | - | $164.48M | $152.09M | $106.93M | - | $119.92M | $115.39M | $108.22M | - |
| Interest Expense | - | - | - | - | - | - | - | $148.47M | $146.69M | - |
| Income Tax | $31.79M | - | $33.73M | $31.37M | $22.63M | - | $24.65M | $18.88M | $21.41M | - |
| Net Income | $124.20M | - | $130.75M | $120.72M | $84.31M | - | $95.27M | $96.51M | $86.81M | - |
| EPS - Basic | $0.89 | - | $0.92 | $0.85 | $0.59 | - | $0.70 | $0.71 | $0.64 | - |
| EPS - Diluted | $0.89 | - | $0.92 | $0.85 | $0.59 | - | $0.70 | $0.71 | $0.64 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $2.31B | $2.54B | $2.52B | $2.31B | $2.61B | $2.29B | $1.91B | $1.86B | $1.73B | $1.60B |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $33.71B | $33.66B | $33.41B | $32.78B | $32.79B | $30.02B | $29.86B | $29.96B | $30.03B | $29.93B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | $531.82M | $250.00M | $250.00M | $250.00M | $540.42M | $260.27M | $1.21B | $1.46B | $1.79B |
| Total Liabilities | $28.22B | $28.16B | $27.96B | $27.42B | $27.47B | $25.03B | $24.90B | $25.10B | $25.22B | $25.16B |
| Stockholders' Equity | $5.49B | $5.50B | $5.45B | $5.36B | $5.31B | $4.99B | $4.97B | $4.86B | $4.81B | $4.77B |
| Retained Earnings | $2.24B | $2.17B | $2.09B | $2.02B | $1.95B | $1.92B | $1.87B | $1.83B | $1.78B | $1.75B |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $160.86M | - | - | - | $119.98M | - | - | - | $124.37M | - |
| Investing Cash Flow | ($304.11M) | - | - | - | ($18.67M) | - | - | - | ($2.43M) | - |
| Financing Cash Flow | ($93.96M) | - | - | - | $216.63M | - | - | - | $11.77M | - |
| CapEx | $4.84M | - | - | - | $3.90M | - | - | - | $4.77M | - |
| Free Cash Flow | $156.02M | - | - | - | $116.09M | - | - | - | $119.60M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 1.26 | - | - | - | 1.38 | - | - | - | 1.38 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 20.4% | - | 20.5% | 20.6% | 21.2% | - | 20.6% | 16.4% | 19.8% | - |
| Return on assets | 0.4% | - | 0.4% | 0.4% | 0.3% | - | 0.3% | 0.3% | 0.3% | - |
| Return on equity | 2.3% | - | 2.4% | 2.3% | 1.6% | - | 1.9% | 2.0% | 1.8% | - |
| Return on invested capital | - | - | 2.3% | 2.2% | 1.5% | - | 1.8% | 1.6% | 1.4% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | 0.10 | 0.05 | 0.05 | 0.05 | 0.11 | 0.05 | 0.25 | 0.30 | 0.37 |
| Debt / Assets | - | 0.02 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.04 | 0.05 | 0.06 |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | 0.8x | 0.7x | - |
| Equity multiplier | 6.14 | 6.12 | 6.13 | 6.11 | 6.17 | 6.01 | 6.01 | 6.17 | 6.25 | 6.27 |
| Liabilities / Assets | 0.84 | 0.84 | 0.84 | 0.84 | 0.84 | 0.83 | 0.83 | 0.84 | 0.84 | 0.84 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 46.5x | - | 40.4x | 42.9x | 58.8x | - | 53.0x | 45.7x | 55.9x | - |
| P / B | 1.1x | - | 1.0x | 1.0x | 0.9x | - | 1.0x | 0.9x | 1.0x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 45.9% | - | 37.2% | 31.8% | -1.2% | - | -0.8% | -0.5% | -11.8% | - |
| Net income growth (YoY) | 47.3% | - | 37.2% | 25.1% | -2.9% | - | -0.9% | 4.4% | -11.7% | - |
| EPS growth (YoY) | 50.8% | - | 31.4% | 19.7% | -7.8% | - | -1.4% | 4.4% | -12.3% | - |
| EPS CAGR (3y) | 6.8% | - | 6.6% | 6.2% | -0.6% | - | -0.5% | -0.9% | -8.3% | - |
| EPS CAGR (5y) | 1.4% | - | 2.8% | 14.1% | 8.1% | - | 1.5% | 1.5% | 0.6% | - |
| FCF growth (YoY) | 34.4% | - | - | - | -2.9% | - | - | - | 4.3% | - |
| FCF CAGR (5y) | 14.9% | - | - | - | 42.9% | - | - | - | -5.3% | - |
| Book value growth (YoY) | 3.3% | 10.1% | 9.6% | 10.5% | 10.5% | 4.7% | 6.9% | 4.7% | 4.4% | 5.6% |
Peer comparison
Same SIC group: State Commercial Banks
Comparing UNITED BANKSHARES INC/WV against the 5 most active filers in the same SIC group.
Dividends
$1.50/share trailing 12 months · +1.4% YoY
| Ex-date | Per share |
|---|---|
| Mar 13, 2026 | $0.3800 |
| Dec 12, 2025 | $0.3800 |
| Sep 12, 2025 | $0.3700 |
| Jun 13, 2025 | $0.3700 |
| Mar 14, 2025 | $0.3700 |
| Dec 13, 2024 | $0.3700 |
| Sep 13, 2024 | $0.3700 |
| Jun 14, 2024 | $0.3700 |
| Mar 7, 2024 | $0.3700 |
| Dec 7, 2023 | $0.3700 |
| Sep 7, 2023 | $0.3600 |
| Jun 8, 2023 | $0.3600 |
| Mar 9, 2023 | $0.3600 |
| Dec 8, 2022 | $0.3600 |
| Sep 8, 2022 | $0.3600 |
| Jun 9, 2022 | $0.3600 |
| Mar 10, 2022 | $0.3600 |
| Dec 1, 2021 | $0.3600 |
| Sep 9, 2021 | $0.3500 |
| Jun 10, 2021 | $0.3500 |
| Mar 11, 2021 | $0.3500 |
| Dec 10, 2020 | $0.3500 |
| Sep 10, 2020 | $0.3500 |
| Jun 11, 2020 | $0.3500 |