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West Virginia-based regional bank holding company offering community and commercial banking across the Mid-Atlantic/Southeast.
West Virginia-based regional bank holding company offering community and commercial banking across the Mid-Atlantic/Southeast.
Earns the gap between interest on loans and securities and the cost of deposits, plus fees from mortgages, trust and other services. Growth has come largely from buying other banks, which pushed it from West Virginia into Virginia, the Carolinas, Georgia and the Mid-Atlantic. It is known for raising its dividend every year for several decades.
Moat: narrow (scale, distribution). Long track record of accretive regional bank acquisitions building a durable Mid-Atlantic/Southeast franchise.
Headquarters: Charleston, West Virginia, United States · Founded: 1839 · Employees: 2,694
Size United Bankshares (UBSI) is a United States Financials company (Regional Banks) with a market value of $6.57B, the 993rd largest of 3,117 United States companies the cockpit tracks. Shares closed at $48.22 on 6 Nov 2026.
Performance Over six months the shares gained 11.1%, against +5.2% for the median peer and -1.1% for the United States market (cap-weighted) — 7th highest of 21 in its peer set.
Growth Revenue grew 3.7% over the last twelve months (peer median +5.5%); the operating margin is 50.0% (peer median 41.9%).
Valuation It trades at 1.20× book value against a peer median of 1.35× (9th cheapest of 21).
Price implies The share price implies a return on equity of about 9.7%; United Bankshares delivers 9.4%, so the price asks more than the business earns today.
Short interest Short interest is 5.0% of the free float (15 Oct 2026).
Next results Next results expected around 28 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $1.83B | $1.82B | $1.62B | $1.53B | $1.11B |
| Revenue growth | — | +12% | +6% | +39% | — |
| Net income | $512M | $464M | $372M | $365M | $379M |
| Free cash flow | n/a | $481M | $433M | $397M | $410M |
| Capital expenditure | n/a | $17.7M | $12.1M | $11.7M | $16.9M |
| Total debt | $825M | $826M | $803M | $2.08B | $2.43B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| United Bankshares UBSI | $6.57B | +11% | +4% | 9% | 1.20× | 9.7% |
| Truist Financial TFC | $59.2B | +1% | -5% | 8% | 1.06× | 9.6% |
| Atlantic Union Bankshares AUB | $5.51B | +4% | +21% | 11% | 1.09× | 9.5% |
| WesBanco WSBC | $3.70B | +13% | +17% | 9% | 0.96× | 8.2% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | UBSI | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +5.5% | +0.4% | 4th highest of 21 |
| 6-month return | +11.1% | +5.2% | 7th highest of 21 |
| Return on equity | 9.4% | 11.0% | 9th lowest of 21 |
| Price / book | 1.20× | 1.35× | 9th cheapest of 21 |
| Trailing P/E | 13.1× | 13.3× | 10th cheapest of 20 |
| ROE the price implies | 9.7% | 8.7% | 10th most demanding of 21 |
| ROE delivered | 9.4% | 11.1% | 8th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| United Bankshares UBSI | United States | $6.57B | +11% | +4% | 9% | 1.20× | 9.7% | 9.4% |
| Hachijuni Nagano Bank 8359.T | Japan | $6.53B | +6% | +20% | 7% | 0.85× | 5.6% | 6.5% |
| BNP Paribas Bank Polska Spolka Akcyjna BNP.WA | Poland | $6.65B | +20% | -8% | 16% | 1.59× | 14.8% | 16.2% |
| Ringkjobing Landbobank A/S RILBA.CO | Denmark | $6.44B | +16% | +2% | 20% | 3.58× | 10.2% | 20.5% |
| Bank of Suzhou 002966.SZ | China | $6.41B | +12% | +5% | 11% | 0.79× | 2.8% | 10.9% |
| Rakuten Bank 5838.T | Japan | $6.36B | -9% | +38% | 22% | 2.55× | 8.1% | 21.5% |
| Glacier Bancorp GBCI | United States | $6.27B | -1% | +21% | 9% | 1.45× | 11.2% | 8.8% |
| Bank Millennium MIL.WA | Poland | $7.04B | +26% | -2% | 16% | 2.80× | 38.0% | 15.6% |
| IDFC First Bank IDFCFIRSTB.NS | India | $7.05B | +10% | +13% | 6% | 1.35× | 24.3% | 6.3% |
| Kyoto Financial Group,Inc 5844.T | Japan | $7.14B | -11% | +19% | 8% | 0.79× | 5.9% | 7.9% |
| Bank of Changsha 601577.SS | China | $6.03B | 0% | -9% | 11% | 0.52× | 2.8% | 11.1% |
| Qilu Bank 601665.SS | China | $6.02B | +2% | +1% | 12% | 0.75× | 3.2% | 12.2% |
| Home BancShares HOMB | United States | $5.97B | +12% | +2% | 11% | 1.31× | 10.2% | 11.1% |
| KakaoBank 323410.KS | South Korea | $7.28B | -15% | +6% | 7% | 1.46× | 8.5% | n/a |
| AU Small Finance Bank AUBANK.NS | India | $7.39B | -10% | +17% | 16% | 3.21× | 44.0% | 15.7% |
| Gunma Bank 8334.T | Japan | $5.78B | +11% | +22% | 10% | 1.43× | 7.8% | 10.3% |
| Hancock Whitney HWC | United States | $5.73B | +4% | -1% | 9% | 1.34× | 12.2% | 9.4% |
| Shanghai Commercial & Savings Bank 5876.TW | Taiwan | $7.56B | +34% | -17% | 9% | 1.17× | 4.0% | 8.6% |
| Iyogin Holdings,Inc 5830.T | Japan | $5.61B | -3% | +13% | 8% | 0.91× | 8.2% | 7.8% |
| Bank OZK OZK | United States | $5.53B | +4% | 0% | 11% | 0.93× | 8.9% | 11.3% |
| Commerce Bancshares CBSH | United States | $7.82B | +6% | +9% | 15% | 1.87× | 12.1% | 14.9% |