What is United Bankshares Inc's earnings per share (EPS)?

United Bankshares Inc (UBSI) reported diluted earnings per share of $3.27 for fiscal year 2025. This represents a 18.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

United Bankshares Inc (UBSI) Financials

UBSI

Trailing 12 months to June 30, 2026

Revenue $1.4B +13.0% YoY

Net Income $515.2M +30.5% YoY

EPS (Diluted) $3.67 +29.7% YoY

Free Cash Flow $533.9M +16.9% YoY

Market Cap $6.4B as of Oct 2, 2026

Price / Sales 4.6x on $1.4B revenue, trailing 12 months to June 30, 2026

Price / Earnings 12.4x on $515.2M net income, trailing 12 months to June 30, 2026

Price / Book 1.2x on $5.5B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 2, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the UBSI SEC filings page.

United Bankshares Inc (UBSI) reported $1.4B in revenue over the twelve months to Jun 30, 2026, up 13.0% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI UBSI FY2025 2026-09-05

Balance-sheet expansion is translating into higher earnings while United Bankshares’ reported leverage remains restrained.

Assets expanded 12.1% in FY2025 while ROA rose to 1.4%, indicating earnings grew faster than the balance sheet. Net profit margin also widened to 37.6% from 36.1%, so growth improved profitability per reported revenue dollar rather than merely increasing scale.

The capital structure became less debt-dependent: debt-to-equity fell from 0.4x to 0.1x between FY2023 and FY2025. That de-leveraging occurred alongside 12.1% asset growth, while equity rose 10.1%, so expansion was accompanied by a larger reported capital base.

Reported cash generation broadly tracks earnings: FY2025 operating cash flow was $499M against $465M of net income. Capital expenditures were only $18M, leaving little difference between operating and free cash flow; however, FCF margin eased to 38.9% from 40.1% in FY2023.

Financial Health Signals

Financial Health Score 72/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of United Bankshares Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

United Bankshares Inc earned a return on assets of 1.4% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.2% the prior year. Earnings ranks banks on that return over three years, and United Bankshares Inc scores 78/100 among other banks.

Growth

United Bankshares Inc reported revenue of $1.2B in fiscal year 2025, against $1.0B in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and United Bankshares Inc scores 53/100 among other banks.

Capital

United Bankshares Inc funded 16.3% of its assets with shareholders' equity at the end of fiscal year 2025, holding $5.5B of equity against $33.7B of assets. Capital ranks banks on that cushion, and United Bankshares Inc scores 82/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. United Bankshares Inc scores 88/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. United Bankshares Inc scores 44/100 on it among other banks.

Stability

United Bankshares Inc reported net income of $464.6M in fiscal year 2025, against $373.0M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and United Bankshares Inc scores 88/100 among other banks.

Piotroski F-Score Partial

7/7

United Bankshares Inc passes 7 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.07x

For every $1 of reported earnings, United Bankshares Inc generates $1.07 in operating cash flow ($498.9M OCF vs $464.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$323.8M

YoY+5.8%

QoQ+2.3%

5Y CAGR+5.4%

10Y CAGR+10.5%

United Bankshares Inc generated $323.8M in revenue in Q2 2026. This represents an increase of 5.8% from the same quarter a year earlier. Against the prior quarter it is up 2.3%.

Net Income

$131.4M

YoY+8.8%

QoQ+5.8%

5Y CAGR+6.7%

10Y CAGR+15.2%

United Bankshares Inc reported $131.4M in net income in Q2 2026. This represents an increase of 8.8% from the same quarter a year earlier. Against the prior quarter it is up 5.8%.

EPS (Diluted)

$0.95

YoY+11.8%

QoQ+6.7%

5Y CAGR+5.4%

10Y CAGR+8.0%

United Bankshares Inc earned $0.95 per diluted share (EPS) in Q2 2026. This represents an increase of 11.8% from the same quarter a year earlier. Against the prior quarter it is up 6.7%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$98.0M

YoY+15.0%

QoQ-37.2%

5Y CAGR-18.2%

10Y CAGR+32.7%

United Bankshares Inc generated $98.0M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 15.0% from the same quarter a year earlier. Against the prior quarter it is down 37.2%.

Cash & Debt

$2.1B

YoY-10.1%

QoQ-9.7%

5Y CAGR-10.8%

United Bankshares Inc held $2.1B in cash as of Q2 2026; long-term debt is not reported for that period.

Shares Outstanding

136M

YoY-3.8%

QoQ-1.2%

5Y CAGR+1.1%

10Y CAGR+6.0%

United Bankshares Inc had 136M shares outstanding in Q2 2026. This represents a decrease of 3.8% from the same quarter a year earlier. Against the prior quarter it is down 1.2%.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Net Margin

40.6%

YoY+1.1pp

QoQ+1.3pp

5Y change+2.5pp

10Y change+14.0pp

United Bankshares Inc's net profit margin was 40.6% in Q2 2026, showing the share of revenue converted to profit. This is up 1.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.3 percentage points.

Return on Equity

2.4%

YoY+0.1pp

QoQ+0.1pp

5Y change+0.2pp

10Y change+0.8pp

United Bankshares Inc's ROE was 2.4% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$66.0M

YoY+102.7%

QoQ-6.1%

United Bankshares Inc spent $66.0M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 102.7% from the same quarter a year earlier. Against the prior quarter it is down 6.1%.

Capital Expenditures

$7.2M

YoY+71.7%

QoQ+47.8%

5Y CAGR+13.5%

10Y CAGR+15.6%

United Bankshares Inc invested $7.2M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 71.7% from the same quarter a year earlier. Against the prior quarter it is up 47.8%.

R&D Spending

Not reported for Q2 2026.

UBSI Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

UBSI quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$1.4B	$1.2B+19.6%	$1.0B-1.9%	$1.1B+0.5%	$1.0B+2.8%	$1.0B-2.3%	$1.0B+43.4%	$728.4M+1.5%	$717.4M+5.4%	$680.6M+37.4%	$495.4M+8.2%	$457.8M+0.2%	$456.7M+35.8%	$336.3M-1.8%	$342.5M+9.9%	$311.6M
SG&A Expenses	$606.0M	$600.1M+10.1%	$545.0M-2.7%	$560.2M+0.9%	$555.1M-4.6%	$582.0M+0.6%	$578.2M+51.1%	$382.7M+3.9%	$368.2M+0.2%	$367.4M+48.0%	$248.2M+7.1%	$231.7M-3.4%	$239.8M+24.9%	$192.0M-5.5%	$203.2M+10.4%	$184.0M
Interest Expense	$559.7M	$583.7M-1.2%	$591.1M+22.8%	$481.4M+356.0%	$105.6M+101.5%	$52.4M-51.8%	$108.6M-41.2%	$184.6M+43.1%	$129.1M+72.5%	$74.8M+66.2%	$45.0M+13.9%	$39.5M-7.8%	$42.8M+18.0%	$36.3M-21.4%	$46.2M-17.2%	$55.8M
Income Tax	$129.4M	$118.8M+29.7%	$91.6M-6.1%	$97.5M+1.4%	$96.2M+1.1%	$95.1M+34.5%	$70.7M+9.9%	$64.3M-9.2%	$70.8M-47.2%	$134.2M+77.6%	$75.6M+15.3%	$65.5M+0.8%	$65.0M+64.9%	$39.4M+1.4%	$38.9M+11.8%	$34.8M
Net Income	$515.2M	$464.6M+24.6%	$373.0M+1.8%	$366.3M-3.5%	$379.6M+3.2%	$367.7M+27.2%	$289.0M+11.1%	$260.1M+1.5%	$256.3M+70.2%	$150.6M+2.4%	$147.1M+6.6%	$138.0M+6.2%	$129.9M+51.7%	$85.6M+3.7%	$82.6M+9.3%	$75.6M
EPS (Basic)	N/A	$3.28+18.8%	$2.76+1.5%	$2.72-3.2%	$2.81-1.1%	$2.84+18.3%	$2.40-5.9%	$2.55+3.7%	$2.46+59.7%	$1.54-23.0%	$2.00+0.5%	$1.99+3.1%	$1.93+13.5%	$1.70+3.7%	$1.64+1.2%	$1.62
EPS (Diluted)	$3.67	$3.27+18.9%	$2.75+1.5%	$2.71-3.2%	$2.80-1.1%	$2.83+17.9%	$2.40-5.9%	$2.55+4.1%	$2.45+59.1%	$1.54-22.6%	$1.99+0.5%	$1.98+3.1%	$1.92+12.9%	$1.70+3.7%	$1.64+1.9%	$1.61
Diluted Shares (Avg)	N/A	142M+4.9%	135M+0.3%	135M-0.3%	135M+4.3%	130M+7.8%	120M+17.9%	102M-2.3%	104M+6.5%	98M+32.5%	74M+6.1%	70M+2.9%	68M+34.2%	50M+0.3%	50M+7.4%	47M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Revenue	$323.8M+5.8%	$316.6M+9.3%	$430.1M+14.4%	$323.3M+23.3%	$306.0M+19.6%	$289.6M+13.7%	$376.0M+1.9%	$262.2M0.0%
SG&A Expenses	$154.7M+4.5%	$152.8M-0.5%	$151.7M+13.1%	$146.7M+8.4%	$148.0M+9.8%	$153.6M+9.1%	$134.2M-11.9%	$135.3M+0.1%
Interest Expense	$132.9M-9.4%	$133.4M-7.1%	$142.6M-0.6%	$150.8M-1.1%	$146.7M-1.2%	$143.6M-2.1%	$143.4M+2.8%	$152.5M+18.7%
Income Tax	$32.8M+4.5%	$31.8M+40.5%	$31.1M+16.6%	$33.7M+36.9%	$31.4M+66.2%	$22.6M+5.7%	$26.7M+7.4%	$24.6M-0.5%
Net Income	$131.4M+8.8%	$124.2M+47.3%	$128.8M+36.5%	$130.7M+37.2%	$120.7M+25.1%	$84.3M-2.9%	$94.4M+18.9%	$95.3M-0.9%
EPS (Basic)	$0.95+11.8%	$0.89+50.8%	$0.92+31.4%	$0.92+31.4%	$0.85+19.7%	$0.59-7.8%	$0.70+18.6%	$0.70-1.4%
EPS (Diluted)	$0.95+11.8%	$0.89+50.8%	$0.91+31.9%	$0.92+31.4%	$0.85+19.7%	$0.59-7.8%	$0.69+16.9%	$0.70-1.4%
Diluted Shares (Avg)	138M-2.8%	140M-1.8%	141M+3.9%	142M+4.8%	142M+5.3%	143M+5.6%	136M+100453.4%	136M+100357.4%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

UBSI Balance Sheet

UBSI quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$33.7B+12.1%	$30.0B+0.3%	$29.9B+1.5%	$29.5B+0.5%	$29.3B+12.0%	$26.2B+33.2%	$19.7B+2.1%	$19.3B+1.0%	$19.1B+31.4%	$14.5B+15.4%	$12.6B+2.0%	$12.3B+41.1%	$8.7B+3.7%	$8.4B-0.4%	$8.5B
Cash & Equivalents	$2.5B+10.9%	$2.3B+43.4%	$1.6B+35.9%	$1.2B-68.7%	$3.8B+70.1%	$2.2B+163.8%	$837.5M	N/A	N/A	$1.4B+67.3%	$857.3M+13.8%	$753.1M+80.8%	$416.6M-3.6%	$432.1M-32.1%	$636.0M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	N/A	N/A	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	N/A	N/A	$0	$0	$0	$0	$0	$0
Goodwill	$2.0B+6.9%	$1.9B0.0%	$1.9B0.0%	$1.9B+0.1%	$1.9B+5.0%	$1.8B+21.6%	$1.5B0.0%	$1.5B0.0%	$1.5B+71.2%	$863.8M+21.6%	$710.3M+0.1%	$709.8M+89.0%	$375.5M0.0%	$375.6M0.0%	$375.6M
Total Liabilities	$28.2B+12.5%	$25.0B-0.5%	$25.2B+0.7%	$25.0B+1.5%	$24.6B+12.4%	$21.9B+34.3%	$16.3B+1.9%	$16.0B+1.1%	$15.8B+28.9%	$12.3B+13.0%	$10.9B+1.8%	$10.7B+38.7%	$7.7B+3.6%	$7.4B-0.7%	$7.5B
Long-Term Debt	$531.8M-1.6%	$540.4M-69.8%	$1.8B-18.6%	$2.2B+168.9%	$817.4M-5.4%	$864.4M-53.0%	$1.8B+22.6%	$1.5B+9.9%	$1.4B+16.4%	$1.2B+15.4%	$1.0B-8.1%	$1.1B+92.0%	$575.7M+102.1%	$284.9M-17.5%	$345.4M
Total Equity	$5.5B+10.1%	$5.0B+4.7%	$4.8B+5.6%	$4.5B-4.3%	$4.7B+9.8%	$4.3B+27.8%	$3.4B+3.5%	$3.3B+0.3%	$3.2B+44.9%	$2.2B+30.5%	$1.7B+3.4%	$1.7B+59.0%	$1.0B+5.0%	$992.3M+2.4%	$968.8M
Retained Earnings	$2.2B+13.2%	$1.9B+9.9%	$1.7B+10.8%	$1.6B+13.3%	$1.4B+15.4%	$1.2B+6.4%	$1.1B+11.8%	$1.0B+13.6%	$891.8M+2.2%	$873.0M+5.9%	$824.6M+6.2%	$776.3M+5.6%	$734.9M+3.2%	$712.3M+2.9%	$692.0M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Total Assets	$33.8B+3.0%	$33.7B+2.8%	$33.7B+12.1%	$33.4B+11.9%	$32.8B+9.4%	$32.8B+9.2%	$30.0B+0.3%	$29.9B+2.2%
Cash & Equivalents	$2.1B-10.1%	$2.3B-11.7%	$2.5B+10.9%	$2.5B+32.0%	$2.3B+24.5%	$2.6B+50.6%	$2.3B+43.4%	$1.9B+61.2%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$2.0B0.0%	$2.0B-0.2%	$2.0B+6.9%	$2.0B+6.9%	$2.0B+6.9%	$2.0B+7.1%	$1.9B0.0%	$1.9B0.0%
Total Liabilities	$28.2B+3.0%	$28.2B+2.7%	$28.2B+12.5%	$28.0B+12.3%	$27.4B+9.2%	$27.5B+8.9%	$25.0B-0.5%	$24.9B+1.3%
Long-Term Debt	N/A	N/A	$531.8M-1.6%	$250.0M-3.9%	$250.0M-79.3%	$250.0M-82.9%	$540.4M-69.8%	$260.3M-76.6%
Total Equity	$5.5B+2.7%	$5.5B+3.3%	$5.5B+10.1%	$5.4B+9.6%	$5.4B+10.5%	$5.3B+10.5%	$5.0B+4.7%	$5.0B+6.9%
Retained Earnings	$2.3B+15.0%	$2.2B+15.0%	$2.2B+13.2%	$2.1B+11.8%	$2.0B+10.3%	$1.9B+9.3%	$1.9B+9.9%	$1.9B+9.2%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

UBSI Cash Flow Statement

UBSI quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$555.6M	$498.9M+12.0%	$445.5M+2.3%	$435.2M-42.8%	$760.8M+24.8%	$609.5M+334.0%	$140.4M-7.6%	$152.0M-48.3%	$294.0M+15.8%	$253.9M+48.7%	$170.7M-2.4%	$174.9M+14.6%	$152.6M+7.3%	$142.2M+9.9%	$129.4M+9.2%	$118.6M
Depreciation & Amortization	N/A	$26.2M+35.3%	$19.3M-13.3%	$22.3M-6.1%	$23.8M+5.6%	$22.5M+12.1%	$20.1M+197.7%	-$20.5M+2.5%	-$21.1M+2.3%	-$21.6M-147.3%	-$8.7M-1268.9%	$746K-52.6%	$1.6M-86.5%	$11.7M+20.1%	$9.7M+32.5%	$7.3M
Stock-Based Compensation	N/A	$13.1M+7.9%	$12.1M-2.7%	$12.5M+26.1%	$9.9M+23.2%	$8.0M+34.1%	$6.0M+21.7%	$4.9M+20.6%	$4.1M+14.6%	$3.6M+26.2%	$2.8M+13.4%	$2.5M+13.2%	$2.2M+22.9%	$1.8M-6.4%	$1.9M+68.4%	$1.1M
Capital Expenditures	$21.6M	$17.7M+46.1%	$12.1M+3.8%	$11.7M-30.7%	$16.9M+9.6%	$15.4M-19.2%	$19.0M+71.7%	$11.1M+91.9%	$5.8M-59.8%	$14.4M+97.5%	$7.3M+38.2%	$5.3M-40.7%	$8.9M+48.1%	$6.0M+15.1%	$5.2M-35.1%	$8.0M
Free Cash Flow	$533.9M	$481.2M+11.0%	$433.3M+2.3%	$423.6M-43.1%	$744.0M+25.2%	$594.2M+389.3%	$121.4M-13.8%	$140.9M-51.1%	$288.3M+20.3%	$239.6M+46.6%	$163.5M-3.6%	$169.6M+18.1%	$143.7M+5.5%	$136.2M+9.6%	$124.2M+12.4%	$110.5M
Investing Cash Flow	-$1.2B	-$899.3M-257.4%	$571.5M+1365.6%	$39.0M+101.1%	-$3.4B-22124.1%	$15.7M-88.6%	$137.6M+135.9%	-$383.3M+56.1%	-$873.0M-427.4%	$266.7M+761.4%	$31.0M	N/A	N/A	-$373.1M-79.3%	-$208.1M-231.5%	$158.3M
Financing Cash Flow	$401.5M	$650.4M+301.0%	-$323.6M-523.1%	-$51.9M-149.3%	$105.3M-88.6%	$923.9M-15.5%	$1.1B+2157.0%	$48.5M+172.5%	-$66.8M+76.9%	-$289.0M-177.0%	$375.5M	N/A	N/A	$215.4M+272.1%	-$125.2M-22.4%	-$102.3M
Dividends Paid	$211.9M	$209.0M+4.1%	$200.7M+3.1%	$194.7M+0.9%	$193.0M+6.5%	$181.3M+11.4%	$162.7M+17.1%	$138.9M-2.4%	$142.3M+17.3%	$121.4M+25.9%	$96.4M+8.4%	$88.9M+7.7%	$82.5M+32.1%	$62.4M+0.2%	$62.3M+14.7%	$54.3M
Share Buybacks	$210.3M	$127.0M+12110.5%	$1.0M-24.7%	$1.4M-98.3%	$79.5M+608.8%	$11.2M-47.4%	$21.3M-40.2%	$35.7M-64.6%	$100.7M+10072300.0%	$1K0.0%	$1K0.0%	$1K-50.0%	$2K-97.8%	$93K+675.0%	$12K-33.3%	$18K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Operating Cash Flow	$105.2M+17.7%	$160.9M+34.1%	$138.9M+1.9%	$150.6M+21.9%	$89.4M+46.1%	$120.0M-3.5%	$136.3M-16.2%	$123.6M+38.0%
Stock-Based Compensation	$3.9M+16.4%	$3.2M+11.8%	N/A	$3.4M+10.4%	$3.4M+12.6%	$2.9M-12.0%	N/A	$3.1M-1.0%
Capital Expenditures	$7.2M+71.7%	$4.8M+24.3%	$5.4M+94.0%	$4.2M+166.5%	$4.2M+40.1%	$3.9M-18.4%	$2.8M-12.8%	$1.6M-9.7%
Free Cash Flow	$98.0M+15.0%	$156.0M+34.4%	$133.5M0.0%	$146.4M+20.0%	$85.2M+46.4%	$116.1M-2.9%	$133.5M-16.2%	$122.0M+39.0%
Investing Cash Flow	-$260.9M-2.2%	-$304.1M-1528.5%	-$222.7M-234.2%	-$402.8M-317.2%	-$255.1M-214.7%	-$18.7M-667.5%	$165.9M+166.5%	$185.5M+372.6%
Financing Cash Flow	-$68.0M+47.6%	-$94.0M-143.4%	$107.3M+32.2%	$456.2M+276.0%	-$129.7M+17.7%	$216.6M+1741.3%	$81.2M-83.8%	-$259.1M+51.1%
Dividends Paid	$53.3M0.0%	$53.4M+5.8%	$52.5M+4.6%	$52.7M+5.0%	$53.3M+6.3%	$50.5M+0.7%	$50.2M+3.0%	$50.2M+3.0%
Share Buybacks	$66.0M+102.7%	$70.3M+245.3%	$47.6M	$26.5M+294388.9%	$32.6M+3255400.0%	$20.3M+1875.5%	$0	$9K+28.6%

Not reported in any period shown, so not listed: Depreciation & Amortization.

UBSI Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

UBSI quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	37.5%+1.5pp	36.0%+1.3pp	34.7%-1.5pp	36.2%+0.2pp	36.0%+8.4pp	27.7%-8.0pp	35.7%0.0pp	35.7%+13.6pp	22.1%-7.6pp	29.7%-0.5pp	30.1%+1.7pp	28.4%+3.0pp	25.5%+1.3pp	24.1%-0.2pp	24.3%
Return on Equity	8.5%+1.0pp	7.5%-0.2pp	7.7%-0.7pp	8.4%+0.6pp	7.8%+1.1pp	6.7%-1.0pp	7.7%-0.2pp	7.9%+3.2pp	4.7%-1.9pp	6.6%-1.5pp	8.1%+0.2pp	7.8%-0.4pp	8.2%-0.1pp	8.3%+0.5pp	7.8%
Return on Assets	1.4%+0.1pp	1.2%0.0pp	1.2%-0.1pp	1.3%0.0pp	1.3%+0.2pp	1.1%-0.2pp	1.3%0.0pp	1.3%+0.5pp	0.8%-0.2pp	1.0%-0.1pp	1.1%0.0pp	1.1%+0.1pp	1.0%0.0pp	1.0%+0.1pp	0.9%
Debt-to-Equity	0.100.0x	0.11-0.3x	0.38-0.1x	0.49+0.3x	0.170.0x	0.20-0.3x	0.55+0.1x	0.460.0x	0.42-0.1x	0.52-0.1x	0.59-0.1x	0.67+0.1x	0.55+0.3x	0.29-0.1x	0.36
Asset Turnover	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	38.9%-3.0pp	41.9%+1.7pp	40.1%-30.7pp	70.9%+12.7pp	58.2%+46.6pp	11.6%-7.7pp	19.3%-20.8pp	40.2%+5.0pp	35.2%+2.2pp	33.0%-4.1pp	37.1%+5.6pp	31.5%-9.0pp	40.5%+4.2pp	36.3%+0.8pp	35.5%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Net Margin	40.6%+1.1pp	39.2%+10.1pp	30.0%+4.8pp	40.4%+4.1pp	39.5%+1.7pp	29.1%-5.0pp	25.1%+3.6pp	36.3%-0.4pp
Return on Equity	2.4%+0.1pp	2.3%+0.7pp	2.3%+0.5pp	2.4%+0.5pp	2.3%+0.3pp	1.6%-0.2pp	1.9%+0.2pp	1.9%-0.2pp
Return on Assets	0.4%0.0pp	0.4%+0.1pp	0.4%+0.1pp	0.4%+0.1pp	0.4%+0.1pp	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp
Debt-to-Equity	5.13+5.1x	5.14+5.1x	0.100.0x	0.050.0x	0.05-0.2x	0.05-0.3x	0.11-0.3x	0.05-0.2x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	30.3%+2.4pp	49.3%+9.2pp	31.0%-4.5pp	45.3%-1.2pp	27.8%+5.1pp	40.1%-6.9pp	35.5%-7.7pp	46.5%+13.0pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
United Bankshares Inc UBSI	FY2025	$1.2B	$464.6M	37.5%	$6.4B	72/100
Hancock Whitney Corporation HWC	FY2025	$1.5B	$486.1M	32.1%	$5.8B	57/100
Axos Financial, Inc. AX	FY2026	$1.5B	$490.4M	33.1%	$5.0B	56/100
Ameris Bancorp ABCB	FY2025	$1.2B	$412.2M	34.1%	$5.4B	67/100
Atlantic Union Bankshares Corporation AUB	FY2025	$1.4B	$273.7M	19.9%	$5.5B	57/100

Where United Bankshares Inc Ranks

Frequently Asked Questions

What is United Bankshares Inc's annual revenue?

United Bankshares Inc (UBSI) reported $1.2B in total revenue for fiscal year 2025. This represents a 19.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is United Bankshares Inc's revenue growing?

United Bankshares Inc (UBSI) revenue grew by 19.6% year-over-year, from $1.0B to $1.2B in fiscal year 2025.

Is United Bankshares Inc profitable?

Yes, United Bankshares Inc (UBSI) reported a net income of $464.6M in fiscal year 2025, with a net profit margin of 37.5%.

How much debt does United Bankshares Inc have?

As of fiscal year 2025, United Bankshares Inc (UBSI) had $2.5B in cash and equivalents against $531.8M in long-term debt.

What is United Bankshares Inc's net profit margin?

United Bankshares Inc (UBSI) had a net profit margin of 37.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does United Bankshares Inc pay dividends?

Yes, United Bankshares Inc (UBSI) paid $1.49 per share in dividends during fiscal year 2025.

What is United Bankshares Inc's return on equity (ROE)?

United Bankshares Inc (UBSI) has a return on equity of 8.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is United Bankshares Inc's free cash flow?

United Bankshares Inc (UBSI) generated $481.2M in free cash flow during fiscal year 2025. This represents a 11.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is United Bankshares Inc's operating cash flow?

United Bankshares Inc (UBSI) generated $498.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are United Bankshares Inc's total assets?

United Bankshares Inc (UBSI) had $33.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What are United Bankshares Inc's capital expenditures?

United Bankshares Inc (UBSI) invested $17.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does United Bankshares Inc buy back shares?

Yes, United Bankshares Inc (UBSI) spent $127.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does United Bankshares Inc have outstanding?

United Bankshares Inc (UBSI) had 139M shares outstanding as of fiscal year 2025.

What is United Bankshares Inc's debt-to-equity ratio?

United Bankshares Inc (UBSI) had a debt-to-equity ratio of 0.10 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is United Bankshares Inc's return on assets (ROA)?

United Bankshares Inc (UBSI) had a return on assets of 1.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is United Bankshares Inc's P/E ratio?

United Bankshares Inc (UBSI) trades at 12.4x earnings, its market capitalization divided by net income of $515.2M net income, trailing 12 months to June 30, 2026. The market capitalization is $6.4B as of Oct 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is United Bankshares Inc's price-to-sales ratio?

United Bankshares Inc (UBSI) trades at 4.6x sales, its market capitalization divided by revenue of $1.4B revenue, trailing 12 months to June 30, 2026. The market capitalization is $6.4B as of Oct 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is United Bankshares Inc's Piotroski F-Score?

United Bankshares Inc (UBSI) has a Piotroski F-Score of 7 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are United Bankshares Inc's earnings high quality?

United Bankshares Inc (UBSI) has an earnings quality ratio of 1.07x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is United Bankshares Inc?

United Bankshares Inc (UBSI) scores 72 out of 100 on our Financial Health Score, indicating strong standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.