UNITED BANKSHARES INC/WV UBSI

Latest FY: 2025 Financial Services Banks - Regional
Market Price $47.34
Market Cap $6.52B
P/E Ratio 14.48
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑19.6% YoY
$1.24B
3-Yr CAGR: 5.6%
Net Income ↑24.6% YoY
$464.60M
Net Margin: 37.5%
Free Cash Flow ↑11.0% YoY
$481.19M
FCF Yield: 7.38%
EPS (Diluted) ↑18.9% YoY
$3.27
Basic: $3.28
Return on Equity Efficiency
8.5%
ROA: 1.4%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (UBSI)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $495.4M $450.4M $147.1M $1.99 $1.30 2.82% $166.7M $159.5M
FY 2017 $680.6M +37.4% $605.8M $150.6M +2.4% $1.54 -22.6% $1.24 3.57% $253.9M $239.6M +50.2%
FY 2018 $717.4M +5.4% $588.3M $256.3M +70.2% $2.45 +59.1% $1.36 4.39% $292.5M $286.8M +19.7%
FY 2019 $728.4M +1.5% $543.8M $260.1M +1.5% $2.55 +4.1% $1.36 3.53% $147.7M $136.6M -52.4%
FY 2020 $1,044.5M +43.4% $935.9M $289.0M +11.1% $2.40 -5.9% $1.35 4.18% $140.4M $121.4M -11.1%
FY 2021 $1,020.9M -2.3% $968.5M $367.7M +27.2% $2.83 +17.9% $1.40 3.86% $609.5M $594.2M +389.3%
FY 2022 $1,049.7M +2.8% $944.1M $379.6M +3.2% $2.80 -1.1% $1.43 3.53% $760.8M $744.0M +25.2%
FY 2023 $1,055.2M +0.5% $573.8M $366.3M -3.5% $2.71 -3.2% $1.45 3.85% $435.2M $423.6M -43.1%
FY 2024 $1,034.8M -1.9% $443.7M $373.0M +1.8% $2.75 +1.5% $1.48 3.95% $445.5M $433.3M +2.3%
FY 2025 $1,237.3M +19.6% $653.6M $464.6M +24.6% $3.27 +18.9% $1.47 3.84% $498.9M $481.2M +11.0%
$

Valuation

Market Price $47.34
Market Cap $6.52B
Enterprise Value $5.62B
P/E Ratio 14.48
P/B Ratio 1.19
FCF Yield 7.38%
Dividend Yield 3.11%
Shares Outstanding 137,798,600
%

Profitability & Margins

Gross Margin 52.83%
Operating Margin 47.15%
Net Margin 37.55%
Return on Equity (ROE) 8.45%
Return on Assets (ROA) 1.38%
Asset Turnover 0.04x
Revenue 3-Yr CAGR 5.63%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.097
Debt / Assets 0.016
Cash & Equivalents $1.43B
Total Debt $531.82M
Book Value / Share $39.88
💧

Cash Flow Efficiency

Operating Cash Flow $498.91M
Capital Expenditures (CapEx) $17.71M
Free Cash Flow $481.19M
OCF / Revenue 40.32%
FCF / Revenue 38.89%
FCF 3-Yr CAGR -13.52%
🏷️

Per Share Metrics

EPS (Diluted) $3.27
EPS (Basic) $3.28
Dividends / Share $1.47
Book Value / Share $39.88
EPS YoY Growth 18.91%
🏛️

Balance Sheet (FY 2025)

Total Assets $33.66B
Total Liabilities $28.16B
Stockholders' Equity $5.50B
Current Assets N/A
Current Liabilities N/A