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UNITED BANKSHARES INC/WV

UBSI

$48.33 ▼ -0.24 (-0.49%) at close

19 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

UNITED BANKSHARES INC/WV shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $6.8B

Dividend Yield 3.08%

Revenue Growth 19.6% ↗

Op. Margin 47.2% ↗

ROIC None

FCF / Share None

Trailing P/E 14.7x

Price / Book 1.2x

FCF Yield —

Debt / Equity 0.13

info Valuation on last close. End-of-day price, Aug 7, 2026.

19-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.24B

↑ +19.6% —

Net Income Profit after all expenses

$464.60M

↑ +24.6% —

Operating Margin Operating profit as % of sales

47.2%

↑ +5.0% 96th

Long-Term Debt Long-term obligations

$531.82M

↓ -1.6% —

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Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability →

Returns ↑

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.49 Latest / share

+0.7% YoY

+1.4% 12-yr CAGR

$1.28

FY 2014

$1.29

FY 2015

$1.32

FY 2016

$1.33

FY 2017

$1.36

FY 2018

$1.37

FY 2019

$1.40

FY 2020

$1.41

FY 2021

$1.44

FY 2022

$1.45

FY 2023

$1.48

FY 2024

$1.49

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue Growth YoY (%)	19.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+226%)	-1.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-132%)	0.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-91%)	2.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-53%)	-2.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-138%)	43.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+623%)	1.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-74%)	5.4% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-10%)	37.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+523%)	8.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+37%)	0.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-96%)	35.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+487%)	-1.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-131%)	10.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+74%)	3.7% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-38%)	0.3% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-95%)	-6.5% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-208%)	—	—
EPS Growth YoY (%)	18.8% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	1.5% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-3.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-1.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	18.3% Good → Good Stable Year-over-year change in earnings per share Optimal: > 10%	-5.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	3.7% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	59.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-23.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.5% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	3.1% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	13.5% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	3.7% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	1.2% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-1.8% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	6.5% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	-22.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	24.6% Good ↑ Good Improving Year-over-year change in net income	1.8% Caution ↓ Caution Declining Year-over-year change in net income	-3.5% Weak ↓ Weak Declining Year-over-year change in net income	3.2% Caution ↓ Caution Declining Year-over-year change in net income	27.2% Excellent → Excellent Stable Year-over-year change in net income	11.1% Fair ↓ Fair Declining Year-over-year change in net income	1.5% Caution ↓ Caution Declining Year-over-year change in net income	70.2% Excellent ↑ Excellent Improving Year-over-year change in net income	2.4% Caution ↓ Caution Declining Year-over-year change in net income	6.6% Fair ↓ Fair Declining Year-over-year change in net income	6.2% Fair ↓ Fair Declining Year-over-year change in net income	51.7% Excellent ↑ Excellent Improving Year-over-year change in net income	3.7% Caution ↓ Caution Declining Year-over-year change in net income	9.3% Fair ↑ Fair Improving Year-over-year change in net income	5.1% Fair ↑ Fair Improving Year-over-year change in net income	6.9% Fair Fair Year-over-year change in net income	-22.6% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	5.6% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	0.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	0.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	13.0% Good ↓ Good Declining Compound annual revenue growth over 3 years	12.5% Good ↓ Good Declining Compound annual revenue growth over 3 years	15.3% Excellent → Excellent Stable Compound annual revenue growth over 3 years	13.7% Good ↓ Good Declining Compound annual revenue growth over 3 years	16.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	14.2% Good ↑ Good Improving Compound annual revenue growth over 3 years	13.6% Good ↑ Good Improving Compound annual revenue growth over 3 years	10.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	13.6% Good ↑ Good Improving Compound annual revenue growth over 3 years	4.0% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	4.7% Caution Caution Compound annual revenue growth over 3 years	-0.9% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	3.4% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	7.3% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	8.0% Good ↓ Good Declining Compound annual revenue growth over 5 years	9.1% Good ↓ Good Declining Compound annual revenue growth over 5 years	15.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	17.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	9.8% Good ↓ Good Declining Compound annual revenue growth over 5 years	16.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	14.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	9.7% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.8% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.8% Good Good Compound annual revenue growth over 5 years	1.1% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	5.3% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-0.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	4.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	3.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	4.9% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	15.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	8.4% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	7.3% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-7.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	5.6% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	6.7% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	6.0% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	1.0% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	1.9% Caution Caution Compound annual EPS growth over 3 years	-6.9% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Operating Margin (%) (%)	47.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+89%)	44.9% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+80%)	44.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+76%)	45.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+81%)	45.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+81%)	34.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	44.5% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+78%)	45.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+82%)	41.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	44.9% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+80%)	44.5% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+78%)	42.7% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+71%)	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	20.4% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.7% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.0% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.2% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.5% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.7% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.8% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.6% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	47.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.9% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.2% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.4% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—
Profit Margin (%) (%)	37.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+71%)	36.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	34.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	36.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	36.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	27.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	35.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+62%)	35.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+62%)	22.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	29.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	30.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	28.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	25.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	24.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	24.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	24.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	22.5% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	27.2% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	8.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	7.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	7.7% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	8.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	7.8% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	6.7% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-44%)	7.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	7.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	4.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	6.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	8.1% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	7.8% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	8.2% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	8.3% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	7.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	9.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	8.8% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	11.8% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Debt to Equity (x)	0.13x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.14x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-88%)	0.42x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-65%)	0.52x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-56%)	0.20x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-83%)	0.23x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-80%)	0.04x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	0.52x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-57%)	0.09x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	0.62x Fair → Fair Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-49%)	0.78x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-35%)	0.26x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-78%)	0.76x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-37%)	0.50x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-58%)	0.26x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-78%)	0.24x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-80%)	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue per Share (USD)	$8.74	$7.67	$7.84	$7.79	$7.90	$8.70	$7.17	$6.90	$6.98	$6.74	$6.60	$6.78	$6.71	$6.84	$6.66	$6.90	$6.90	$7.39	—
Basic EPS, GAAP (USD)	$3.28	$2.76	$2.72	$2.81	$2.84	$2.40	$2.55	$2.46	$1.54	$2.00	$1.99	$1.93	$1.70	$1.64	$1.62	$1.65	$1.55	$2.01	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.49	$1.48	$1.45	$1.44	$1.41	$1.40	$1.37	$1.36	$1.33	$1.32	$1.29	$1.28	$1.25	$1.24	$1.21	$1.20	$1.17	$1.16	—
Book Value per Share (USD)	$38.84	$37.00	$35.47	$33.51	$36.50	$35.81	$33.11	$31.26	$33.24	$30.41	$24.70	$24.57	$20.69	$19.74	$20.70	$18.21	$17.54	$17.02	—
Tangible Book Value per Share (USD)	$24.57	$23.00	$21.43	$19.49	$21.91	$20.84	$18.56	$17.05	$18.07	$18.66	$14.46	$14.04	$13.23	$12.27	$12.67	$11.05	$10.35	$17.02	—
Basic Weighted Avg Shares (shares)	141.50M	134.95M	134.51M	134.78M	129.28M	120.02M	101.59M	104.02M	97.50M	73.53M	69.33M	67.40M	50.35M	50.27M	46.80M	43.55M	43.41M	43.29M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$531.82M	$540.42M	$1.79B	$2.20B	$817.39M	$864.37M	—	$1.50B	—	$1.17B	$1.02B	—	$575.70M	$284.93M	—	—	—	—	—
Total Equity (USD)	$5.50B	$4.99B	$4.77B	$4.52B	$4.72B	$4.30B	$3.36B	$3.25B	$3.24B	$2.24B	$1.71B	$1.66B	$1.04B	$992.25M	$968.84M	$793.01M	$761.55M	$736.71M	$761.20M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$1.24B	$1.03B	$1.06B	$1.05B	$1.02B	$1.04B	$728.41M	$717.36M	$680.64M	$495.36M	$457.75M	$456.67M	$337.67M	$344.00M	$311.56M	$300.39M	$299.44M	$320.10M	—
Depreciation Expense (USD)	$16.81M	$15.71M	$17.19M	$18.24M	$16.58M	$13.46M	$9.33M	$10.25M	$8.91M	$7.89M	$8.38M	$9.35M	$7.91M	$7.79M	$6.97M	$5.23M	—	—	—
Net Income, GAAP (USD)	$464.60M	$373.00M	$366.31M	$379.63M	$367.74M	$289.02M	$260.10M	$256.34M	$150.58M	$147.08M	$137.96M	$129.89M	$85.63M	$82.61M	$75.61M	$71.95M	$67.30M	$86.95M	—
Operating Cash Flow (USD)	$498.91M	$445.45M	$435.24M	$760.82M	$609.54M	$140.45M	$151.97M	$292.53M	$253.93M	—	—	—	$142.20M	$129.44M	$118.57M	$100.82M	$53.66M	$113.94M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Net Interest Margin (approx.) (%)	3.3%	3.0%	3.1%	3.0%	2.5%	2.6%	2.9%	3.1%	2.9%	2.9%	3.1%	3.0%	3.1%	3.3%	3.1%	3.3%	3.1%	—	—
Efficiency Ratio (%) (%)	48.5%	52.7%	53.1%	52.9%	57.0%	55.4%	52.5%	51.3%	54.0%	50.1%	50.6%	52.5%	57.3%	59.5%	59.1%	60.7%	58.5%	53.4%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 19 years · 71 quarters

UNITED BANKSHARES INC/WV

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