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United Bankshares, Inc. logo

United Bankshares, Inc.

UBSI

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Organizational History and Subsidiaries United Bankshares, Inc. ( United, we, us, our, or the Company ) is a West Virginia corporation registered as a financial holding company pursuant to the Bank Holding Company Act of 1956, as amended. United was incorporated on March 26, 1982, organized on September 9, 1982, and began conducting business on May 1, 1984 with the acquisition of three wholly-o…

Valuation & Multiples

Based on TTM earnings · Diluted shares

Market Cap$6.57B
EPS$3.67
P/E13.14
Div. Yield3.23%
Net Margin–
P/Book1.2x
United Bankshares, Inc. intrinsic value
52-Week Range
$34.83$49.37

Profitability & Returns

Revenue

N/A

Net Income (TTM)

$515M

▲ +24.6% YoY

Net Margin

–

P/E

13.14

Balance Sheet

Total Assets

$33.75B

Equity

$5.51B

Total Debt

$632M

Cash & Equiv.

$2.08B

3Y CAGR: +2.2%

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Held by ETFs

UBSI is in 129 US ETFs. The largest of them, with UBSI's weight in each:

United Bankshares (UBSI) in four numbers

Fair value (book value)
$33.42
Price $48.22 is 44% above it.
Intrinsic Value
Quality score
72/100
Best check: margin trend, +34.8pp. Weakest: share count change, 35.9%.
Quality
Dividend (TTM)
$1.53
3.23% yield, raised at least 17 years in a row.
Dividends
P/E
13.14
Price to free cash flow 12.30.
Financials

Questions about United Bankshares

Is United Bankshares (UBSI) overvalued?

At $48.22, United Bankshares' price is 44% above the $33.42 a share fair value that Intrinsiqq's calculator gets from its book value. It trades at 13.14 times earnings and 12.30 times free cash flow. The growth behind that figure is yours to set on the Intrinsic Value tab. See how to tell if a stock is overvalued.

What is United Bankshares' fair value?

Intrinsiqq's calculator puts United Bankshares' fair value at $33.42 a share. It grows book value per share 0% a year for 5 years, applies an exit P/B of 1.1, and works back at a 10% yearly return. A 25% margin of safety gives a buy-below price of $25.07. Every input can be changed on the Intrinsic Value tab.

Is United Bankshares a high-quality business?

United Bankshares scores 72 out of 100 on Intrinsiqq's quality score, which makes it a solid business on these measures. The score blends 8 checks computed from SEC filings. Its best check is margin trend at +34.8pp, and its weakest is share count change at 35.9%. The Quality tab shows every check against its target.

Does United Bankshares (UBSI) pay a dividend, and how much?

Yes. United Bankshares (UBSI) pays a dividend: $1.53 per share over the last twelve months, a dividend yield of 3.23% at the latest close. It has raised its dividend per share for at least 17 years in a row, growing at 1.3% a year over the last 5 years. The payout takes about 41.1% of earnings.

Source: 10-Q filed 31 Jul 2026 (period ending 30 Jun 2026), SEC. Price: last close 30 Oct 2026. How this is calculated. Sector medians are approximate S&P 500 benchmarks and update periodically. Analysis, not investment advice.

Spot a number that looks wrong? Check it in UBSI's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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