United Bankshares Inc
Research United Bankshares Inc (UBSI) on Bullrun: valuation model: 8.3% overvalued, market cap USD 6.49B, P/E 12.9, dividend yield 3.2%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerUBSI
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal8.3% overvalued
- Market capUSD 6.49B
- P/E12.9
- Dividend yield3.2%
- Financial periodQ2 2026
- RevenueUSD 323.15M
- Net incomeUSD 131.38M
- Free cash flowUSD 98.01M
Valuation Snapshot
Bullrun's latest valuation model marks United Bankshares Inc as 8.3% overvalued; latest market cap is USD 6.49B; P/E is 12.9; dividend yield is 3.2%.
Peer valuation comparison
Latest P/E is 12.94x versus a Financial Services sector median of 13.84x (6.5% below).
Latest dividend yield is 3.18% versus a Financial Services sector median of 3.86% (17.5% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 1.24B | USD 464.60M | USD 481.19M | n/a | 3.27 | USD 2.54B | USD 730.39M | USD 5.50B |
| FY2024 | USD 1.03B | USD 373.00M | USD 433.33M | n/a | 2.75 | USD 2.29B | USD 716.51M | USD 4.99B |
| FY2023 | n/a | USD 366.31M | USD 423.55M | n/a | 2.71 | USD 1.60B | USD 1.99B | USD 4.77B |
| FY2022 | USD 311.96M | USD 379.63M | USD 743.96M | n/a | 2.8 | USD 1.18B | USD 2.36B | USD 4.52B |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 6.49B | 12.9 | 3.2% | 1.51 |
| 2025 | 2025-12-31 | USD 5.37B | 11.7 | 3.9% | 1.49 |
| 2024 | 2024-12-31 | USD 5.08B | 13.7 | 3.9% | 1.48 |
| 2023 | 2023-12-29 | USD 5.07B | 13.1 | 3.9% | 1.45 |
| 2022 | 2022-12-30 | USD 5.45B | 15.4 | 3.6% | 1.44 |
| 2021 | 2021-12-31 | USD 4.95B | 12.8 | 3.9% | 1.41 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 1.51 USD, yield 3.2%.
| Year | Dividends/share |
|---|---|
| FY2025 | 1.49 USD |
| FY2024 | 1.48 USD |
| FY2023 | 1.45 USD |
| FY2022 | 1.44 USD |
About United Bankshares Inc
United Bankshares, Inc., through its subsidiaries, provides commercial and retail banking products and services in the United States. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, and NOW accounts. Its loan products include commercial loans and leases to small to mid-size industrial and commercial companies, as well as automobile dealers, service, retail and wholesale merchants;
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Frequently asked questions
Is United Bankshares Inc overvalued or undervalued?
Bullrun's valuation model currently marks United Bankshares Inc as 8.3% overvalued.
What is United Bankshares Inc's market cap?
United Bankshares Inc's market capitalization is USD 6.49B.
What is United Bankshares Inc's P/E ratio?
United Bankshares Inc's price-to-earnings (P/E) ratio is 12.9.
Does United Bankshares Inc pay a dividend?
United Bankshares Inc has a dividend yield of 3.2%.
What does United Bankshares Inc do?
United Bankshares, Inc., through its subsidiaries, provides commercial and retail banking products and services in the United States. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, and NOW accounts.