Stock Fundamentals

Company Information

Company Name
United Bankshares Inc
Sector
Financial Services
Industry
Banks - Regional
Exchange
NASDAQ
ISIN: US9099071071
CIK: 0000729986
CUSIP: 909907107
Currency: USD
Full Time Employees: 2,740
Phone: 304 424 8716
Fiscal Year End: December
IPO Date: Mar 26, 1990
Description:

United Bankshares, Inc., through its subsidiaries, provides commercial and retail banking products and services in the United States. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, and NOW accounts. Its loan products include commercial loans and leases to small to mid-size industrial and commercial companies, as well as automobile dealers, service, retail and wholesale merchants; construction and real estate loans, such as commercial and residential mortgages, and loans secured by owner-occupied real estate; personal, automobiles, boats, recreational vehicles, credit card receivables, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; trust, safe deposit boxes, wire transfers, and other banking products and services; investment and security services; buying and selling federal fund services; automated teller machine services; and internet and automated 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 well as custody of assets, investment management, escrow services, and related fiduciary activities. United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia.

Address:

300 United Center, Charleston, WV, United States, 25301

Directors & Officers

Name Title Year Born
Mr. Richard M. Adams Sr. Executive Chairman of the Board 1947
Mr. Richard Matthew Adams Jr., M.D. CEO & Director 1968
Mr. James J. Consagra Jr., CPA President 1961
Mr. W. Mark Tatterson Executive VP & CFO 1975
Mr. Darren K. Williams Executive VP and Chief Information & Risk Officer 1972
Ms. Julie Ritche Gurtis President & Executive VP 1964
Mr. Ross M. Draber Executive VP & COO 1989
Mr. Matthew Lee Humphrey Executive VP and Head of Wealth & Investment Management 1981
Ms. Ami Lee Shaver Executive VP, Chief Human Resources Officer and Director of Retail Sales & Service 1971
Mr. Douglas Bryon Ernest Executive VP & Chief Credit Officer 1964

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 20.30M Sep 30, 2025 14.56% $0.01 -1.52%
Vanguard Group Inc 14.54M Dec 31, 2025 10.43% $0.01 -1.18%
State Street Corp 8.22M Sep 30, 2025 5.90% $0.01 0.54%
Dimensional Fund Advisors, Inc. 7.60M Dec 31, 2025 5.46% $0.06 -1.77%
Earnest Partners LLC 4.24M Dec 31, 2025 3.04% $0.70 -4.73%
Victory Capital Management Inc. 3.62M Sep 30, 2025 2.60% $0.08 1.18%
Geode Capital Management, LLC 3.62M Sep 30, 2025 2.60% $0.01 0.78%
Silvercrest Asset Management Group LLC 1.85M Dec 31, 2025 1.33% $0.49 -10.63%
NORGES BANK 1.78M Dec 31, 2025 1.28% $0.01 7.00%
Northern Trust Corp 1.74M Sep 30, 2025 1.25% $0.01 -0.45%
Charles Schwab Investment Management Inc 1.68M Dec 31, 2025 1.20% $0.01 -1.78%
JPMorgan Chase & Co 1.56M Sep 30, 2025 1.12% $0.00 229.29%
Fuller & Thaler Asset Management Inc 1.50M Sep 30, 2025 1.08% $0.19 -0.25%
Bank of New York Mellon Corp 1.39M Sep 30, 2025 0.99% $0.01 -2.35%
Bank of America Corp 1.37M Sep 30, 2025 0.98% $0.00 11.37%
Fisher Asset Management, LLC 1.28M Sep 30, 2025 0.92% $0.02 10.07%
Morgan Stanley - Brokerage Accounts 1.27M Sep 30, 2025 0.91% $0.00 8.81%
ProShare Advisors LLC 1.11M Dec 31, 2025 0.80% $0.08 -2.58%
Amvescap Plc. 1.08M Sep 30, 2025 0.78% $0.01 -1.48%
AQR Capital Management LLC 930.25K Sep 30, 2025 0.67% $0.02 65.49%

Shares Statistics

Shares Outstanding: 139.39M
Shares Float: 136.18M
% Insiders: 245.50%
% Institutions: 7,227.40%
Short % Float: 3.49%

🏆 Top 10 Institutional Holders

Rank Holder Name Shares Held % of Shares Change Date Reported
1 BlackRock Inc 20.30M 14.56% ▼ 1.52% Sep 30, 2025
2 Vanguard Group Inc 14.54M 10.43% ▼ 1.18% Dec 31, 2025
3 State Street Corp 8.22M 5.90% ▲ 0.54% Sep 30, 2025
4 Dimensional Fund Advisors, Inc. 7.60M 5.46% ▼ 1.77% Dec 31, 2025
5 Earnest Partners LLC 4.24M 3.04% ▼ 4.73% Dec 31, 2025
6 Victory Capital Management Inc. 3.62M 2.60% ▲ 1.18% Sep 30, 2025
7 Geode Capital Management, LLC 3.62M 2.60% ▲ 0.78% Sep 30, 2025
8 Silvercrest Asset Management Group LLC 1.85M 1.33% ▼ 10.63% Dec 31, 2025
9 NORGES BANK 1.78M 1.28% ▲ 7.00% Dec 31, 2025
10 Northern Trust Corp 1.74M 1.25% ▼ 0.45% Sep 30, 2025

Valuation Metrics

Enterprise Value: $4.05B
Trailing P/E: 12.63
Forward P/E: 13.55

Financial Highlights

Market Cap: $5.76B
P/E Ratio: $12.63
PEG Ratio: $1.92
Book Value: $39.38
Dividend/Share: $1.49
Dividend Yield: 3.42%
Earnings/Share: $3.27
Profit Margin: 38.65%
Operating Margin: 53.25%
ROA (TTM): 1.46%
ROE (TTM): 8.86%
Revenue (TTM): $1.20B
Revenue/Share (TTM): $8.50
Earnings Growth (YOY): 32.10%
Revenue Growth (YOY): 22.10%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Download Financials (Excel)

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios (Yearly)

Financial Ratios (Quarterly)

Earnings History

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 28.21x 0.04x 0.84x 1.01x 0.34x
2024-12-31 0.11x 0.14x 0.83x 0.79x 1.51x
2023-12-31 0.24x 0.42x 0.84x 0.96x 4.08x
2022-12-31 0.26x 0.52x 0.85x 4.51x 4.72x
2021-12-31 0.33x 0.20x 0.84x 8.84x 2.01x
2020-12-31 0.25x 0.10x 0.84x 3.31x 1.23x
2019-12-31 0.24x 0.11x 0.83x 1.76x 1.19x
2018-12-31 0.24x 0.13x 0.83x 2.53x 1.34x
2017-12-31 0.25x 0.18x 0.83x 3.81x 2.17x
2016-12-31 0.25x 0.22x 0.85x 4.95x 2.26x
2015-12-31 0.20x 0.34x 0.86x 5.15x 2.88x
2014-12-31 0.20x 0.43x 0.87x 4.55x 3.62x
2013-12-31 0.18x 0.40x 0.88x 3.44x 3.03x
2012-12-31 0.15x 0.42x 0.88x 2.63x 3.15x
2011-12-31 0.19x 0.47x 0.89x 1.98x 3.89x
2010-12-31 0.08x 0.48x 0.89x 1.23x 3.39x
2009-12-31 0.08x 0.80x 0.90x 0.65x 7.17x
2008-12-31 0.04x 1.93x 0.91x 0.70x 10.87x
2007-12-31 0.04x 1.81x 0.90x 0.61x 10.00x
2006-12-31 0.05x 1.67x 0.91x 0.72x 7.57x
2005-12-31 0.04x 1.79x 0.91x 1.18x 7.13x
2004-12-31 0.04x 1.93x 0.90x 1.32x 9.31x
2003-12-31 0.06x 2.04x 0.90x 0.96x 11.38x
2002-12-31 0.05x 2.36x 0.91x 0.88x 10.72x
2001-12-31 0.04x 1.05x 0.91x 0.68x 4.16x
2000-12-31 0.05x 0.76x 0.91x 0.44x 3.38x
1999-12-31 0.05x 1.01x 0.92x 0.60x 3.42x
1998-12-31 0.04x 0.84x 0.91x 0.40x 4.68x
1997-12-31 0.06x 0.58x 0.90x 0.60x 2.60x
1996-12-31 0.05x 0.29x 0.89x 0.54x 1.12x
1995-12-31 0.06x 0.41x 0.89x 0.79x 1.78x
1994-12-31 0.06x 0.40x 0.90x 0.87x 1.65x
1993-12-31 0.05x 0.42x 0.90x 0.67x 2.08x
1992-12-31 0.10x 0.45x 0.90x 0.51x 2.70x
1991-12-31 0.08x 0.55x 0.91x 0.35x 3.04x
1990-12-31 0.08x 0.68x 0.91x 0.24x 4.35x
1989-12-31 0.08x 0.62x 0.91x 0.27x 3.30x
1988-12-31 N/A N/A N/A N/A 0.00x
1987-12-31 N/A N/A N/A N/A 0.00x
1986-12-31 N/A N/A N/A N/A 0.00x
1985-12-31 N/A N/A N/A N/A 0.00x

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Jan 28, 2026 Lacy I Rice III N/A Purchase 101.00 $41.59 $4.20K
Jun 11, 2025 Lisa C. McClain N/A Sale N/A $36.48 N/A
Jun 09, 2025 Lisa C. McClain N/A Purchase N/A $36.56 N/A
Mar 24, 2025 Sara Dumond N/A Purchase 2.60K $35.01 $91.03K

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