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

United Bankshares Inc West Va (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 West Va Financials

UBSI

FY2025 annual

Revenue $1.7B +12.2% YoY

Net Income $464.6M +24.6% YoY

EPS (Diluted) $3.27 +18.9% YoY

Free Cash Flow $481.2M +11.0% YoY

Source SEC Filings (10-K/10-Q) Data as of Jun 30, 2026 Currency USD FYE December

United Bankshares Inc West Va (UBSI) reported $1.7B in revenue for fiscal year 2025, up 12.2% from the prior fiscal year. 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 2026-05-08

Balance-sheet growth is being paired with lower term leverage and clean cash conversion rather than balance-sheet strain.

From FY2023 to FY2025, total assets expanded by roughly $3.7B while debt-to-equity fell from 0.4x to 0.1x and return on assets improved from 1.2% to 1.4%. That combination suggests the larger balance sheet was not only financed more conservatively, but also earned slightly more per dollar of assets, with operating cash flow in FY2025 at $499M reinforcing that the improvement was cash-backed.

FY2025 net income of $465M became $499M of operating cash flow, so accounting profit and cash generation are lining up rather than diverging. Capex was only $17.7M, leaving free cash flow at $481M and making shareholder payouts less dependent on new term borrowing.

The balance sheet got larger, with total assets reaching $33.7B in FY2025. Yet debt-to-equity kept falling from FY2023 levels, and return on equity recovered to 8.5%, which points to growth that is supporting earnings instead of simply adding low-return assets.

Financial Health Signals

Financial Health Score 73/100

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 West Va'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

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

7/7

United Bankshares Inc West Va 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 West Va 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

$1.7B

YoY+12.2%

5Y CAGR+45.0%

10Y CAGR+14.8%

United Bankshares Inc West Va generated $1.7B in revenue in fiscal year 2025. This represents an increase of 12.2% from the prior year.

Net Income

$464.6M

YoY+24.6%

5Y CAGR+10.0%

10Y CAGR+12.9%

United Bankshares Inc West Va reported $464.6M in net income in fiscal year 2025. This represents an increase of 24.6% from the prior year.

EPS (Diluted)

$3.27

YoY+18.9%

5Y CAGR+6.4%

10Y CAGR+5.1%

United Bankshares Inc West Va earned $3.27 per diluted share (EPS) in fiscal year 2025. This represents an increase of 18.9% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$481.2M

YoY+11.0%

5Y CAGR+31.7%

10Y CAGR+11.0%

United Bankshares Inc West Va generated $481.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 11.0% from the prior year.

Cash & Debt

$2.5B

YoY+10.9%

5Y CAGR+2.8%

United Bankshares Inc West Va held $2.5B in cash against $531.8M in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.49

YoY+0.7%

5Y CAGR+1.3%

10Y CAGR+1.5%

United Bankshares Inc West Va paid $1.49 per share in dividends in fiscal year 2025. This represents an increase of 0.7% from the prior year.

Shares Outstanding

139M

YoY-2.6%

5Y CAGR+1.6%

10Y CAGR+7.2%

United Bankshares Inc West Va had 139M shares outstanding in fiscal year 2025. This represents a decrease of 2.6% from the prior year.

Margins & Returns

Net Margin

27.6%

YoY+2.7pp

10Y CAGR-5.0pp

United Bankshares Inc West Va's net profit margin was 27.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.7 percentage points from the prior year.

Return on Equity

8.5%

YoY+1.0pp

5Y CAGR+1.7pp

10Y CAGR+0.4pp

United Bankshares Inc West Va's ROE was 8.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.0 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks

$127.0M

YoY+12110.5%

5Y CAGR+42.9%

10Y CAGR+223.9%

United Bankshares Inc West Va spent $127.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 12110.5% from the prior year.

Capital Expenditures

$17.7M

YoY+46.1%

5Y CAGR-1.4%

10Y CAGR+12.9%

United Bankshares Inc West Va invested $17.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 46.1% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

UBSI Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

UBSI annual income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$1.7B	$1.7B+12.2%	$1.5B+7.2%	$1.4B+349.2%	$312.0M-5.7%	$331.0M+25.7%	$263.2M-4.8%	$276.6M+15.4%	$239.7M-61.6%	$623.8M+32.6%	$470.3M+11.0%	$423.6M+1.2%	$418.5M+36.7%	$306.2M-5.5%	$323.9M+2.3%	$316.5M
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 (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

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$418.2M+0.5%	$415.9M-3.3%	$430.1M-0.2%	$431.0M+2.3%	$421.2M+4.3%	$403.6M+7.3%	$376.0M-1.7%	$382.7M
SG&A Expenses	$154.7M+1.2%	$152.8M+0.7%	$151.7M+3.4%	$146.7M-0.9%	$148.0M-3.6%	$153.6M+14.5%	$134.2M-0.9%	$135.3M
Interest Expense	$132.9M-0.4%	$133.4M-6.4%	$142.6M-5.5%	$150.8M+2.9%	$146.7M+2.1%	$143.6M+0.1%	$143.4M-5.9%	$152.5M
Income Tax	$32.8M+3.1%	$31.8M+2.3%	$31.1M-7.9%	$33.7M+7.5%	$31.4M+38.6%	$22.6M-15.1%	$26.7M+8.1%	$24.6M
Net Income	$131.4M+5.8%	$124.2M-3.6%	$128.8M-1.5%	$130.7M+8.3%	$120.7M+43.2%	$84.3M-10.7%	$94.4M-0.9%	$95.3M
EPS (Diluted)	$0.95+6.7%	$0.89-2.2%	$0.91-1.1%	$0.92+8.2%	$0.85+44.1%	$0.59-14.5%	$0.69-1.4%	$0.70

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

TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.

UBSI Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

UBSI annual balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
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
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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$33.8B+0.1%	$33.7B+0.1%	$33.7B+0.8%	$33.4B+1.9%	$32.8B0.0%	$32.8B+9.2%	$30.0B+0.5%	$29.9B
Cash & Equivalents	$2.1B-9.7%	$2.3B-9.3%	$2.5B+0.9%	$2.5B+8.8%	$2.3B-11.3%	$2.6B+13.9%	$2.3B+20.1%	$1.9B
Goodwill	$2.0B0.0%	$2.0B0.0%	$2.0B0.0%	$2.0B0.0%	$2.0B-0.2%	$2.0B+7.1%	$1.9B0.0%	$1.9B
Total Liabilities	$28.2B+0.1%	$28.2B+0.2%	$28.2B+0.7%	$28.0B+2.0%	$27.4B-0.2%	$27.5B+9.8%	$25.0B+0.5%	$24.9B
Long-Term Debt	N/A	N/A	$531.8M+112.7%	$250.0M0.0%	$250.0M0.0%	$250.0M-53.7%	$540.4M+107.6%	$260.3M
Total Equity	$5.5B+0.4%	$5.5B-0.1%	$5.5B+0.9%	$5.4B+1.5%	$5.4B+0.9%	$5.3B+6.4%	$5.0B+0.5%	$5.0B
Retained Earnings	$2.3B+3.5%	$2.2B+3.3%	$2.2B+3.6%	$2.1B+3.9%	$2.0B+3.5%	$1.9B+1.6%	$1.9B+2.4%	$1.9B

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

UBSI Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

UBSI annual cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
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
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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$105.2M-34.6%	$160.9M+15.8%	$138.9M-7.8%	$150.6M+68.6%	$89.4M-25.5%	$120.0M-12.0%	$136.3M+10.2%	$123.6M
Capital Expenditures	$7.2M+47.8%	$4.8M-10.8%	$5.4M+28.5%	$4.2M+1.4%	$4.2M+7.0%	$3.9M+39.2%	$2.8M+76.5%	$1.6M
Free Cash Flow	$98.0M-37.2%	$156.0M+16.9%	$133.5M-8.8%	$146.4M+71.9%	$85.2M-26.6%	$116.1M-13.0%	$133.5M+9.4%	$122.0M
Investing Cash Flow	-$260.9M+14.2%	-$304.1M-36.5%	-$222.7M+44.7%	-$402.8M-57.9%	-$255.1M-1266.3%	-$18.7M-111.3%	$165.9M-10.5%	$185.5M
Financing Cash Flow	-$68.0M+27.6%	-$94.0M-187.5%	$107.3M-76.5%	$456.2M+451.7%	-$129.7M-159.9%	$216.6M+166.7%	$81.2M+131.3%	-$259.1M
Dividends Paid	$53.3M-0.1%	$53.4M+1.7%	$52.5M-0.4%	$52.7M-1.1%	$53.3M+5.6%	$50.5M+0.6%	$50.2M0.0%	$50.2M
Share Buybacks	$66.0M-6.1%	$70.3M+47.7%	$47.6M+79.5%	$26.5M-18.6%	$32.6M+60.0%	$20.3M	$0-100.0%	$9K

UBSI Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

UBSI annual financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	27.6%+2.7pp	24.8%-1.3pp	26.1%	121.7%	111.1%	109.8%	94.0%	106.9%	24.1%-7.1pp	31.3%-1.3pp	32.6%+1.5pp	31.0%+3.1pp	28.0%+2.5pp	25.5%+1.6pp	23.9%
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
FCF Margin	28.5%-0.3pp	28.8%-1.4pp	30.2%	238.5%	179.5%	46.1%-4.8pp	50.9%	120.3%	38.4%+3.7pp	34.8%-5.3pp	40.0%+5.7pp	34.3%-10.2pp	44.5%+6.1pp	38.4%+3.4pp	34.9%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	31.4%+1.6pp	29.9%-0.1pp	30.0%-0.4pp	30.3%+1.7pp	28.7%+7.8pp	20.9%-4.2pp	25.1%+0.2pp	24.9%
Return on Equity	2.4%+0.1pp	2.3%-0.1pp	2.3%-0.1pp	2.4%+0.2pp	2.3%+0.7pp	1.6%-0.3pp	1.9%0.0pp	1.9%
Return on Assets	0.4%0.0pp	0.4%0.0pp	0.4%0.0pp	0.4%0.0pp	0.4%+0.1pp	0.3%-0.1pp	0.3%0.0pp	0.3%
Debt-to-Equity	5.130.0x	5.14+5.0x	0.10+0.1x	0.050.0x	0.050.0x	0.05-0.1x	0.11+0.1x	0.05
FCF Margin	23.4%-14.1pp	37.5%+6.5pp	31.0%-2.9pp	34.0%+13.7pp	20.2%-8.5pp	28.8%-6.7pp	35.5%+3.6pp	31.9%

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

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.

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Where United Bankshares Inc West Va Ranks

Frequently Asked Questions

What is United Bankshares Inc West Va's annual revenue?

United Bankshares Inc West Va (UBSI) reported $1.7B in total revenue for fiscal year 2025. This represents a 12.2% 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 West Va's revenue growing?

United Bankshares Inc West Va (UBSI) revenue grew by 12.2% year-over-year, from $1.5B to $1.7B in fiscal year 2025.

Is United Bankshares Inc West Va profitable?

Yes, United Bankshares Inc West Va (UBSI) reported a net income of $464.6M in fiscal year 2025, with a net profit margin of 27.6%.

How much debt does United Bankshares Inc West Va have?

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

What is United Bankshares Inc West Va's net profit margin?

United Bankshares Inc West Va (UBSI) had a net profit margin of 27.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does United Bankshares Inc West Va pay dividends?

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

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

United Bankshares Inc West Va (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 West Va's free cash flow?

United Bankshares Inc West Va (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 West Va's operating cash flow?

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

What are United Bankshares Inc West Va's total assets?

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

What are United Bankshares Inc West Va's capital expenditures?

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

Does United Bankshares Inc West Va buy back shares?

Yes, United Bankshares Inc West Va (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 West Va have outstanding?

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

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

United Bankshares Inc West Va (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 West Va's return on assets (ROA)?

United Bankshares Inc West Va (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 West Va's Piotroski F-Score?

United Bankshares Inc West Va (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 West Va's earnings high quality?

United Bankshares Inc West Va (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 West Va?

United Bankshares Inc West Va (UBSI) scores 73 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.