UBSI
$46.69+0.19%
United Bankshares Inc.Stock · FinancialsRussell 2000 0.2%Nasdaq Composite 0.02%US Stock Market 0.009%Russell 3000 0.008%
UBSI financial statements
The full income statement, balance sheet, and cash-flow statement for United Bankshares Inc. (UBSI), plus valuation ratios — straight from SEC filings. Switch between annual, quarterly, and trailing-twelve-month figures, pick how far back to look, and flip the time order. Every line has a trend sparkline.
Shares outstanding (point-in-time)
2024-06 135.2M2024-09 135.2M2024-12 135.7M2025-03 142.1M2025-06 141.6M2025-09 140.4M2025-12 139.4M2026-03 137.8M2026-06 136.2M+0.7% over 8 periods
SEC-filed end-of-period counts (cover pages and balance sheets, split-adjusted) — the series realized buyback yield is computed from. The weighted-average share lines in the statements below lag these by design: an average over the year sits near the midpoint of an ongoing buyback.
As-reported fiscal years.
| Line item | Trend | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Income Statement | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 1.24B+19.6% | 1.03B-1.9% | 1.06B+0.5% | 1.05B+2.8% | 1.02B-2.3% | ||
| Noninterest income | 135M+9.3% | 124M-8.5% | 135M-11.7% | 153M-44.9% | 278M-21.6% | |
| Amortization of intangibles | 9.36M+157.3% | 3.64M-28.9% | 5.12M-7.3% | 5.52M-6.6% | 5.91M-10.6% | |
| Noninterest expense | 600M+10.1% | 545M-2.7% | 560M+0.9% | 555M-4.6% | 582M+0.6% | |
| Provision for credit losses | 53.9M+114.2% | 25.2M-19.3% | 31.2M+65.5% | 18.8M+178.5% | -24.0M-122.5% | |
| Interest expense | — | — | 481M+356.0% | 106M+101.5% | 52.4M-51.8% | |
| Interest & investment income | 1.69B+12.2% | 1.50B+7.2% | 1.40B+39.9% | 1.00B+26.0% | 795M-0.4% | |
| Net interest income | 1.10B+21.0% | 911M-1.0% | 920M+2.6% | 896M+20.7% | 743M+7.7% | |
| Pre-tax income | 583M+25.6% | 465M+0.2% | 464M-2.5% | 476M+2.8% | 463M+28.7% | |
| Income tax | 119M+29.7% | 91.6M-6.1% | 97.5M+1.4% | 96.2M+1.1% | 95.1M+34.5% | |
| 465M+24.6% | 373M+1.8% | 366M-3.5% | 380M+3.2% | 368M+27.2% | ||
| Net income to common | 464M+24.6% | 372M+1.8% | 365M-3.5% | 379M+3.3% | 367M+27.2% | |
| $3.27+18.9% | $2.75+1.5% | $2.71-3.2% | $2.80-1.1% | $2.83+17.9% | ||
| EPS (basic) | $3.28+18.8% | $2.76+1.5% | $2.72-3.2% | $2.81-1.1% | $2.84+18.3% | |
| Weighted-avg shares (basic) | 141M+4.9% | 135M+0.3% | 135M-0.2% | 135M+4.3% | 129M+7.7% | |
| Weighted-avg shares (diluted) | 142M+4.9% | 135M+0.3% | 135M-0.3% | 135M+4.3% | 130M+7.8% | |
| Dividends per share | $1.49+0.7% | $1.48+2.1% | $1.45+0.7% | $1.44+2.1% | $1.41+0.7% | |
| Balance Sheet | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Cash & equivalents | 2.54B+10.9% | 2.29B+43.4% | 1.60B+35.9% | 1.18B-68.7% | 3.76B+70.1% | |
| 33.7B+12.1% | 30.0B+0.3% | 29.9B+1.5% | 29.5B+0.5% | 29.3B+12.0% | ||
| Property, plant & equipment | 209M+12.2% | 186M-2.3% | 191M-4.3% | 199M+1.0% | 197M+12.2% | |
| Operating lease right-of-use | 89.3M+9.3% | 81.7M-6.0% | 87.0M+22.3% | 71.1M-13.2% | 81.9M+17.9% | |
| Goodwill | 2.02B+6.9% | 1.89B+0.0% | 1.89B+0.0% | 1.89B+0.1% | 1.89B+5.0% | |
| Short-term & current debt | 199M+12.8% | 176M-10.2% | 196M+22.0% | 161M+24.7% | 129M-9.5% | |
| 28.2B+12.5% | 25.0B-0.5% | 25.2B+0.7% | 25.0B+1.5% | 24.6B+12.4% | ||
| Long-term debt | 532M-1.6% | 540M-69.8% | 1.79B-18.6% | 2.20B+168.9% | 817M-5.4% | |
| Operating lease liability (total) | 95.4M+9.9% | 86.8M-6.6% | 92.9M+22.6% | 75.7M-12.6% | 86.7M+18.4% | |
| 5.50B+10.1% | 4.99B+4.7% | 4.77B+5.6% | 4.52B-4.3% | 4.72B+9.8% | ||
| Preferred stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock | 377M+5.7% | 357M+0.3% | 356M+0.2% | 355M+0.5% | 353M+5.6% | |
| Additional paid-in capital | 3.47B+8.5% | 3.20B+0.5% | 3.18B+0.4% | 3.17B+0.6% | 3.15B+8.8% | |
| Retained earnings | 2.17B+13.2% | 1.92B+9.9% | 1.75B+10.8% | 1.58B+13.3% | 1.39B+15.4% | |
| Treasury stock | 381M+50.5% | 253M+0.5% | 252M+0.7% | 250M+46.8% | 171M+7.2% | |
| Accumulated other comprehensive income | -139M+38.0% | -224M+13.8% | -260M+22.0% | -333M-6707.1% | -4.89M-121.9% | |
| Total liabilities & equity | 33.7B+12.1% | 30.0B+0.3% | 29.9B+1.5% | 29.5B+0.5% | 29.3B+12.0% | |
| Common shares issued | 151M+5.7% | 143M+0.3% | 142M+0.2% | 142M+0.5% | 141M+5.6% | |
| Shares outstanding (cover) | 139M-2.6% | 143M+6.1% | 135M+0.2% | 135M-1.3% | 137M+5.9% | |
| Cash Flow | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 499M+12.0% | 445M+2.3% | 435M-42.8% | 761M+24.8% | 610M+334.0% | ||
| Depreciation & amortization | 26.2M+35.3% | 19.3M-13.3% | 22.3M-6.1% | 23.8M+5.6% | 22.5M+12.1% | |
| Intangible amortization | 9.36M+157.3% | 3.64M-28.9% | 5.12M-7.3% | 5.52M-6.6% | 5.91M-10.6% | |
| Share-based compensation | 13.1M+7.9% | 12.1M-2.7% | 12.5M+26.1% | 9.88M+23.2% | 8.02M+34.1% | |
| Deferred income taxes | 16.6M+594.2% | -3.37M-15.3% | -2.92M | — | — | |
| -899M-257.4% | 571M+1365.6% | 39.0M+101.1% | -3.45B-22124.1% | 15.7M-88.6% | ||
| Capital expenditure | 17.7M+46.1% | 12.1M+3.8% | 11.7M-30.7% | 16.9M+9.6% | 15.4M-19.2% | |
| Free cash flow | 481M+11.0% | 433M+2.3% | 424M-43.1% | 744M+25.2% | 594M+389.3% | |
| Acquisitions | 0.00 | 0.00 | 0.00 | 0.00+100.0% | -39.4M+93.7% | |
| Sales/maturities of investments | 2.26B-8.1% | 2.46B+219.2% | 770M+33.9% | 575M-15.3% | 679M+31.6% | |
| Proceeds from sale of PP&E | 1.44M+1329.7% | 101K-96.0% | 2.54M+181.8% | 902K-44.3% | 1.62M-62.8% | |
| Other investing activities | 58.8M-56.9% | 136M-23.6% | 178M+79.5% | 99.4M+186.1% | 34.8M-74.7% | |
| 650M+301.0% | -324M-523.1% | -51.9M-149.3% | 105M-88.6% | 924M-15.5% | ||
| Long-term debt issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Long-term debt repaid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock repurchased | 127M+12110.5% | 1.04M-24.7% | 1.38M-98.3% | 79.5M+608.8% | 11.2M-47.4% | |
| Dividends paid | 209M+4.1% | 201M+3.1% | 195M+0.9% | 193M+6.5% | 181M+11.4% | |
| Interest paid | 582M-1.5% | 591M+26.2% | 468M+376.9% | 98.2M+79.8% | 54.6M-52.7% | |
| Income taxes paid | 114M+32.8% | 86.2M-18.2% | 105M+12.6% | 93.7M-7.5% | 101M+54.8% | |
| Valuation Ratios | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Market cap | 5.35B+5.0% | 5.10B+0.6% | 5.07B-7.1% | 5.45B+10.1% | 4.95B+18.5% | |
| P/E | 11.5×-15.7% | 13.7×+4.3% | 13.1×-15.0% | 15.4×+14.4% | 13.5×-6.8% | |
| P/S | 4.3×-12.2% | 4.9×+4.2% | 4.7×-12.7% | 5.4×+11.6% | 4.9×+21.3% | |
| P/B | 1.0×-4.6% | 1.0×-6.3% | 1.1×-11.2% | 1.2×+17.0% | 1.0×+8.0% | |
| P/FCF | 11.1×-5.4% | 11.8×-8.0% | 12.8×+55.8% | 8.2×-1.5% | 8.3×-75.8% | |
| Earnings yield | 8.7%+18.6% | 7.3%-4.1% | 7.6%+17.6% | 6.5%-12.6% | 7.4%+7.3% | |
| FCF yield | 9.0%+5.7% | 8.5%+8.7% | 7.8%-35.8% | 12.2%+1.6% | 12.0%+312.8% | |
| Dividend yield | 3.9%-1.6% | 3.9%+2.1% | 3.9%+8.6% | 3.6%-8.5% | 3.9%-10.1% | |
| Source filing | 10-K | 10-K | 10-K | 10-K | 10-K |
About this data
Source: UBSI’s SEC filings (10-K / 10-Q). Annual columns are as-reported fiscal years; quarterly columns are as-reported fiscal quarters (Q4 derived as full-year minus the first three quarters where a company doesn’t file a standalone Q4); TTM (quarterly) rolls the trailing four quarters at every quarter end, TTM (yearly) samples that one year apart; balance-sheet rows show the period-end balance. Valuation ratios are sampled as of each period end. View all UBSI filings on SEC EDGAR → Not investment advice.