UBSI Financials United Bankshares Inc/Wv

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated 42 d ago Overview →

Growth & profitability

Revenue has grown 6.8% per year over the past 5 years.
Net income has grown faster than revenue (10.0% vs 6.8% per year).
Free cash flow has grown 31.7% per year over the past 5 years.

Financial health

The company holds more cash ($2.5B) than total debt ($730M).
Total debt has grown slower than revenue (-6.2% vs 6.8% per year).

Shareholder returns

Dividends have been paid for 15 consecutive years, consuming 45.0% of earnings and 43.4% of free cash flow.
The dividend has grown 5.1% per year over the past 5 years.

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key annual figures

FY	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
2025	—	$465M	—	—	8.5%	1.4%	$481M	$730M	$2.5B
2024	—	$373M	—	—	7.5%	1.2%	$433M	$717M	$2.3B
2023	—	$366M	—	—	7.7%	1.2%	$424M	$2.0B	$1.6B
2022	$312M	$380M	0.0%	0.0%	8.4%	1.3%	$744M	$2.4B	$1.2B
2021	$331M	$368M	0.0%	0.0%	7.8%	1.3%	$594M	$946M	$3.8B
2020	$263M	$289M	0.0%	0.0%	6.7%	1.1%	$121M	$1.0B	$2.2B
2019	$277M	$260M	0.0%	0.0%	7.7%	1.3%	$141M	$2.0B	$837M
2018	$240M	$256M	0.0%	0.0%	7.9%	1.3%	$288M	$1.7B	—
2017	—	$151M	—	—	4.6%	0.8%	$240M	$1.6B	—
2016	—	$147M	—	—	6.6%	1.0%	$163M	$1.4B	—
2015	—	$138M	—	—	8.1%	1.1%	—	$1.3B	—
2014	—	$130M	—	—	7.8%	1.1%	—	$1.5B	—
2013	—	$86M	—	—	8.2%	1.0%	$136M	$791M	—
2012	—	$83M	—	—	8.3%	1.0%	$124M	$500M	—
2011	—	$76M	—	—	7.8%	0.9%	$111M	$600M	—

Net income

Return on equity & assets (ROE / ROA)

ROEROA

Shareholders' equity (book value)

Equity

Free cash flow (CFO − capex, quarterly)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key quarterly figures

Quarter	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
Jun '26	—	$131M	—	—	2.4%	0.4%	$98M	—	$2.1B
Mar '26	—	$124M	—	—	2.3%	0.4%	$156M	—	$2.3B
Dec '25	—	$129M	—	—	2.3%	0.4%	$133M	$730M	$2.5B
Sep '25	—	$131M	—	—	2.4%	0.4%	$146M	$419M	$2.5B
Jun '25	—	$121M	—	—	2.3%	0.4%	$85M	$411M	$2.3B
Mar '25	—	$84M	—	—	1.6%	0.3%	$116M	$426M	$2.6B
Dec '24	—	$94M	—	—	1.9%	0.3%	$133M	$717M	$2.3B
Sep '24	—	$95M	—	—	1.9%	0.3%	$122M	$442M	$1.9B
Jun '24	—	$97M	—	—	2.0%	0.3%	$58M	$1.4B	$1.9B
Mar '24	—	$87M	—	—	1.8%	0.3%	$120M	$1.7B	$1.7B
Dec '23	—	$79M	—	—	1.7%	0.3%	$159M	$2.0B	$1.6B
Sep '23	—	$96M	—	—	2.1%	0.3%	$88M	$1.3B	$1.2B
Jun '23	—	$92M	—	—	2.0%	0.3%	$62M	$2.1B	$1.7B
Mar '23	—	$98M	—	—	2.1%	0.3%	$115M	$2.7B	$1.9B
Dec '22	—	$100M	—	—	2.2%	0.3%	$132M	$2.4B	$1.2B
Sep '22	—	$103M	—	—	2.3%	0.4%	$128M	$1.0B	$1.4B
Jun '22	—	$96M	—	—	2.1%	0.3%	$204M	$639M	$1.7B
Mar '22	—	$82M	—	—	1.8%	0.3%	$280M	$668M	$2.8B
Dec '21	—	$74M	—	—	1.6%	0.3%	$52M	$946M	$3.8B
Sep '21	—	$92M	—	—	2.1%	0.3%	$196M	$533M	$4.0B

Valuation over time

How the market has priced UBSI against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

The price-to-earnings ratio has risen from 12.6× (Mar '23) to 14.0× (Sep '26).
The price-to-sales ratio has risen from 15.4× (Mar '23) to 16.4× (Dec '23).
The dividend yield has fallen from 4.0% (Mar '23) to 3.2% (Sep '26).

Price / earnings (P/E)

P/E

Price / sales (P/S)

P/S

Dividend yield (%)

Dividend yield %

Frequently asked questions

Is UBSI growing its revenue and profit?

Over the past 5 years, United Bankshares Inc/Wv's revenue has grown 6.8% per year, and net income grown 10.0% per year. These are computed facts, not advice.

How much debt does UBSI have?

As of FY2025, United Bankshares Inc/Wv reported $730M of total debt against $2.5B of cash.

What is UBSI's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin —.

What is UBSI's P/E ratio?

As of Sep '26, United Bankshares Inc/Wv traded at a price-to-earnings ratio of about 14.0× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.