Stock Scorecard
Stock Summary for United Bankshares Inc (UBSI) - $47.85 as of 7/20/2026 6:38:21 PM EST
Total Score
15 out of 30
Safety Score
51 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for UBSI
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for UBSI
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for UBSI
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for UBSI
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for UBSI (51 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 8 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 8 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 4 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 8 |
| Trading Volume (Max of 10) | 9 |
| Price to Earnings (Max of 10) | 0 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | -10 |
Latest News for for UBSI
Financial Details for UBSI
Company Overview |
|
|---|---|
| Ticker | UBSI |
| Company Name | United Bankshares Inc |
| Country | N/A |
| Description | United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States. The company is headquartered in Charleston, West Virginia. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 3/31/2026 |
| Next Earnings Date | 7/23/2026 |
Stock Price History |
|
| Last Day Price | 47.85 |
| Price 4 Years Ago | 35.08 |
| Last Day Price Updated | 7/20/2026 6:38:21 PM EST |
| Last Day Volume | 1,322,080 |
| Average Daily Volume | 1,112,921 |
| 52-Week High | 48.22 |
| 52-Week Low | 33.16 |
| Last Price to 52 Week Low | 44.30% |
Valuation Measures |
|
| Trailing PE | N/A |
| Industry PE | 14.93 |
| Sector PE | 19.00 |
| 5-Year Average PE | 20.08 |
| Free Cash Flow Ratio | 2.86 |
| Industry Free Cash Flow Ratio | 15.14 |
| Sector Free Cash Flow Ratio | 21.86 |
| Current Ratio Most Recent Quarter | 33.20 |
| Total Cash Per Share | 16.73 |
| Book Value Per Share Most Recent Quarter | 39.38 |
| Price to Book Ratio | 1.16 |
| Industry Price to Book Ratio | 1.37 |
| Sector Price to Book Ratio | 2.12 |
| Price to Sales Ratio Twelve Trailing Months | 5.22 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.72 |
| Sector Price to Sales Ratio Twelve Trailing Months | 5.69 |
| Analyst Buy Ratings | 0 |
| Analyst Strong Buy Ratings | 2 |
Share Statistics |
|
| Total Shares Outstanding | 137,799,000 |
| Market Capitalization | 6,593,682,150 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 6/12/2026 |
| Previous Dividend Amount | 0.3800 |
| Current Dividend Amount | 0.3800 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 1.51 |
| Trailing Annual Dividend Yield | 3.13% |
| Forward Annual Dividend Rate | 1.52 |
| Forward Annual Dividend Yield | 3.15% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 2.01% |
| 3-Year Dividend Growth Rate Percentage | 1.00% |
| 5-Year Dividend Growth Rate Percentage | 1.36% |
| All-Time Dividend Growth Rate Percentage | 4.70% |
| Dividend Payout Ratio | 42.30% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 50.60% |
| Annual Earnings Growth | 24.56% |
| Reported EPS 12 Trailing Months | 3.57 |
| Reported EPS Past Year | 0.89 |
| Reported EPS Prior Year | 3.44 |
| Net Income Twelve Trailing Months | 504,497,000 |
| Net Income Past Year | 464,603,000 |
| Net Income Prior Year | 372,996,000 |
| Quarterly Revenue Growth YOY | 10.60% |
| 5-Year Revenue Growth | 9.86% |
| Operating Margin Twelve Trailing Months | 52.10% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 2,305,034,000 |
| Total Cash Past Year | 2,542,250,000 |
| Total Cash Prior Year | 2,290,976,000 |
| Net Cash Position Most Recent Quarter | 1,772,818,000 |
| Net Cash Position Past Year | 2,010,433,000 |
| Long Term Debt Past Year | 531,817,000 |
| Long Term Debt Prior Year | 540,420,000 |
| Total Debt Most Recent Quarter | 532,216,000 |
| Equity to Debt Ratio Past Year | 0.91 |
| Equity to Debt Ratio Most Recent Quarter | 0.91 |
| Total Stockholder Equity Past Year | 5,495,983,000 |
| Total Stockholder Equity Prior Year | 4,993,223,000 |
| Total Stockholder Equity Most Recent Quarter | 5,488,126,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 510,757,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 3.71 |
| Free Cash Flow Past Year | 481,192,000 |
| Free Cash Flow Prior Year | 433,326,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.74 |
| MACD Signal | 0.68 |
| 20-Day Bollinger Lower Band | 38.67 |
| 20-Day Bollinger Middle Band | 43.55 |
| 20-Day Bollinger Upper Band | 48.43 |
| Beta | 0.73 |
| RSI | 65.29 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 7/18/2026 9:43:49 AM EST |