profit from every $100 of sales.
$0$100
United Bankshares
$48.80+1.20% today
+33.5% in 1 year
1-year low $34.831-year high $49.37
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $14.13 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What United Bankshares sold, what it kept, and what it did with the cash.
Sales went from $1.04 billion in 2022 to $1.24 billion in 2025, with $465 million of profit last year.
SalesProfit
United Bankshares handed back 70% of the cash it generated last year.
Buybacks $127M$209M
Free cash flow 2025$481M
Bought back its own shares$127M
Paid as dividends$209M
Cash vs. debt$2.5B vs. $627M
United Bankshares vs. similar companies
United Bankshares grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| United Bankshares | 14.1× · Cheap | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.1× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.5× · Fair price |
AI analysis
An AI analyst reads United Bankshares's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 1,040 | 1,047 | 1,030 | 1,235 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 380 | 366 | 373 | 465 | |
| 2.80 | 2.71 | 2.75 | 3.27 | |
| – | – | – | – | |
| – | – | – | – | |
| 36.5% | 35.0% | 36.2% | 37.6% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 29,489 | 29,926 | 30,024 | 33,660 |
| Cash | 1,176 | 1,598 | 2,291 | 2,541 |
| Total debt | 2,273 | 1,882 | 627 | 627 |
| Total liabilities | 24,973 | 25,155 | 25,030 | 28,164 |
| 4,516 | 4,771 | 4,993 | 5,496 | |
| 135 | 135 | 135 | 142 | |
| 6.8% | 11.2% | – | – | |
| 8.4% | 7.7% | 7.5% | 8.5% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 761 | 435 | 445 | 499 | |
| 17 | 12 | 12 | 18 | |
| 744 | 424 | 433 | 481 | |
| Dividends paid | 193 | 195 | 201 | 209 |
| 79 | 1 | 1 | 127 | |
| 10 | 12 | 12 | 13 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 14.1×
- 13.5×
- 2.66
- 1.1×
- 5.3×
- 7.1%
- 3.5%
Profitability
- 37.6%
- 6.6%
- 6.2%
- 9.3%
- 1.5%
Growth
- +5.9%
- +5.3%
- +1.3%
- +2.1%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 37%of 843
Top 24%of 730
Bottom 48%of 866
Bottom 40%of 862
Top 42%of 921
What analysts expect
- Average price target
- $46.67
- Range
- $44.00 – $49.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 0.89 | 0.85 | +4.7% |
| Jan 22, 2026 | 0.91 | 0.86 | +5.8% |
| Oct 23, 2025 | 0.92 | 0.81 | +13.3% |
| Jul 24, 2025 | 0.85 | 0.77 | +10.4% |
| Apr 24, 2025 | 0.59 | 0.66 | −10.6% |
| Jan 24, 2025 | 0.69 | 0.67 | +3.0% |
| Oct 24, 2024 | 0.70 | 0.67 | +4.5% |
| Jul 25, 2024 | 0.71 | 0.64 | +10.9% |
3.5%of the share price, paid each year
On $1,000 invested$35a year at today's yield, before tax
+1.3%2020 to 2025
Raised10 yearsin a row, in our data
Paid per share, each year
$1.29 in 2015 → $1.49 in 2025
How safe it looks
45.0% of its profit
Room to growStretchedMore than it earns: 43.4%
News
United Microelectronics October revenue rises 18.3% Y/YSeeking Alpha · Nov 5, 2026United Fire Group outlines ~10% growth pace as it sees ~0.5-point expense ratio improvement potentialSeeking Alpha · Nov 4, 2026Mark Cuban Warns Hyperscaler Borrowing Could Create A “Debt Bubble In The United States Of America”Yahoo Finance · Oct 29, 2026United Rentals subsidiary prices $2.5B debt dealSeeking Alpha · Oct 27, 2026United Natural Foods (UNFI): buy, sell, or hold post Q2 earnings?Yahoo Finance · Oct 26, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
5/7Passes 5 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
64Pass
Benjamin Graham
87Pass
Philip Fisher
66Pass
Peter Lynch
33No pass
Joel Greenblatt
18No pass
Charlie Munger
62Pass
Terry Smith
60Pass
Questions about United Bankshares
Is United Bankshares a good stock to buy?
A strong, very profitable business, and the price looks low. 5 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the United Bankshares AI analysis
What does United Bankshares do?
United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States. It operates through two segments, Community Banking and Mortgage Banking. It is in Banks - Regional, based in Charleston, WV, United States, with 2,749 employees.
Does United Bankshares pay a dividend?
Yes. At today's price the dividend is 3.5% a year, about 45% of its yearly profit. In 2025 it paid out $209 million in dividends.
Is United Bankshares stock halal?
No. United Bankshares does not pass our halal screen: its main business, banking, is not permitted. How we check
How has United Bankshares stock done over the past year?
Up 33.5% over the past twelve months, to $48.80. It traded between $34.83 and $49.37, close to its high.
Who are United Bankshares's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with United Bankshares's.
Prices: daily closes to Nov 9, 2026. Fundamentals: company reports via invest-like data.