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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | $311.96M | $330.96M | $263.25M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $16.81M | $15.71M | $17.19M | $18.24M | $16.58M | $13.46M |
| Operating Income | $583.40M | $464.58M | $463.81M | $475.78M | $462.85M | $359.74M |
| Interest Expense | - | - | $481.40M | $105.56M | $52.38M | $108.61M |
| Income Tax | $118.80M | $91.58M | $97.49M | $96.16M | $95.11M | $70.72M |
| Net Income | $464.60M | $373.00M | $366.31M | $379.63M | $367.74M | $289.02M |
| EPS - Basic | $3.28 | $2.76 | $2.72 | $2.81 | $2.84 | $2.40 |
| EPS - Diluted | $3.27 | $2.75 | $2.71 | $2.80 | $2.83 | $2.40 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $2.54B | $2.29B | $1.60B | $1.18B | - | - |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $33.66B | $30.02B | $29.93B | $29.49B | $29.33B | $26.18B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $531.82M | $540.42M | $1.79B | $2.20B | $817.39M | $864.37M |
| Total Liabilities | $28.16B | $25.03B | $25.16B | $24.97B | $24.61B | $21.89B |
| Stockholders' Equity | $5.50B | $4.99B | $4.77B | $4.52B | $4.72B | $4.30B |
| Retained Earnings | $2.17B | $1.92B | $1.75B | $1.58B | $1.39B | $1.21B |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $498.91M | $445.45M | $435.24M | $760.82M | $609.54M | $140.45M |
| Investing Cash Flow | ($899.31M) | $571.49M | $38.99M | ($3.45B) | $15.65M | $137.59M |
| Financing Cash Flow | $650.41M | ($323.64M) | ($51.94M) | $105.32M | $923.91M | $1.09B |
| CapEx | $17.71M | $12.13M | $11.69M | $16.86M | $15.38M | $19.02M |
| Free Cash Flow | $481.19M | $433.33M | $423.55M | $743.96M | $594.16M | $121.42M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | 152.5% | 139.9% | 136.7% |
| EBITDA margin | - | - | - | 158.4% | 144.9% | 141.8% |
| Net margin | - | - | - | 121.7% | 111.1% | 109.8% |
| Free cash flow margin | - | - | - | 238.5% | 179.5% | 46.1% |
| FCF / Net income | 1.04 | 1.16 | 1.16 | 1.96 | 1.62 | 0.42 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 20.4% | 19.7% | 21.0% | 20.2% | 20.5% | 19.7% |
| Return on assets | 1.4% | 1.2% | 1.2% | 1.3% | 1.3% | 1.1% |
| Return on equity | 8.5% | 7.5% | 7.7% | 8.4% | 7.8% | 6.7% |
| Return on invested capital | 7.7% | 6.7% | 5.6% | 5.7% | 6.6% | 5.6% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.10 | 0.11 | 0.37 | 0.49 | 0.17 | 0.20 |
| Debt / Assets | 0.02 | 0.02 | 0.06 | 0.07 | 0.03 | 0.03 |
| Debt / EBITDA | 0.89 | 1.13 | 3.72 | 4.45 | 1.70 | 2.32 |
| Interest coverage | - | - | 1.0x | 4.5x | 8.8x | 3.3x |
| Equity multiplier | 6.12 | 6.01 | 6.27 | 6.53 | 6.22 | 6.09 |
| Liabilities / Assets | 0.84 | 0.83 | 0.84 | 0.85 | 0.84 | 0.84 |
| Efficiency | ||||||
| Asset turnover | - | - | - | 0.01 | 0.01 | 0.01 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 11.7x | 13.7x | 13.9x | 14.5x | 12.8x | 13.5x |
| P / B | 1.0x | 1.0x | 1.1x | 1.2x | 1.0x | 0.9x |
| P / S | - | - | - | 17.5x | 14.2x | 14.8x |
| EV / EBITDA | 5.7x | 6.9x | 10.9x | 13.1x | 11.5x | 12.7x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | -5.7% | 25.7% | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 25.6% | 0.2% | -2.5% | 2.8% | 28.7% | 10.9% |
| Net income growth (YoY) | 24.6% | 1.8% | -3.5% | 3.2% | 27.2% | 11.1% |
| EPS growth (YoY) | 18.9% | 1.5% | -3.2% | -1.1% | 17.9% | -5.9% |
| EPS CAGR (3y) | 5.3% | -1.0% | 4.1% | 3.2% | 4.9% | 15.9% |
| EPS CAGR (5y) | 6.4% | 1.5% | 2.0% | 12.7% | 7.3% | 3.9% |
| FCF growth (YoY) | 11.0% | 2.3% | -43.1% | 25.2% | 389.3% | -11.1% |
| FCF CAGR (5y) | 31.7% | 26.0% | 20.8% | 25.4% | 30.1% | -6.8% |
| Book value growth (YoY) | 10.1% | 4.7% | 5.6% | -4.3% | 9.8% | 27.8% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- ✓Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- -Asset turnover improved
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 |