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Stocks · Financials · State Commercial Banks

UNITED BANKSHARES INC/WV

UBSI Clue Score62
United States Fiscal year ends December CIK 0000729986
$45.46 -0.53% Close, 9 Oct 2026
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Price $45.46 +25.10% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income0.15EPS, diluted1.99Fiscal year 2017Net income0.15 +2.4%EPS, diluted1.54 −22.6%Fiscal year 2018Revenue0.24Net income0.26 +70.2%EPS, diluted2.45 +59.1%Fiscal year 2019Revenue0.28 +15.4%Net income0.26 +1.5%EPS, diluted2.55 +4.1%Fiscal year 2020Revenue0.26 −4.8%Net income0.29 +11.1%EPS, diluted2.40 −5.9%Fiscal year 2021Revenue0.33 +25.7%Net income0.37 +27.2%EPS, diluted2.83 +17.9%Fiscal year 2022Revenue0.31 −5.7%Net income0.38 +3.2%EPS, diluted2.80 −1.1%Fiscal year 2023Net income0.37 −3.5%EPS, diluted2.71 −3.2%Fiscal year 2024Net income0.37 +1.8%EPS, diluted2.75 +1.5%Fiscal year 2025Net income0.46 +24.6%EPS, diluted3.27 +18.9%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a n/a 0.24 0.28 0.26 0.33 0.31 n/a n/a n/a
Growth +15.4% −4.8% +25.7% −5.7%
Net income 0.15 0.15 0.26 0.26 0.29 0.37 0.38 0.37 0.37 0.46
Growth +2.4% +70.2% +1.5% +11.1% +27.2% +3.2% −3.5% +1.8% +24.6%
EPS, diluted 1.99 1.54 2.45 2.55 2.40 2.83 2.80 2.71 2.75 3.27
Growth −22.6% +59.1% +4.1% −5.9% +17.9% −1.1% −3.2% +1.5% +18.9%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Fiscal year 2017Fiscal year 2018Net margin106.9%Free cash flow margin120.3%Fiscal year 2019Net margin94.0%Free cash flow margin50.9%Fiscal year 2020Net margin109.8%Free cash flow margin46.1%Fiscal year 2021Net margin111.1%Free cash flow margin179.5%Fiscal year 2022Net margin121.7%Free cash flow margin238.5%Fiscal year 2023Fiscal year 2024Fiscal year 2025
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a n/a 106.9% 94.0% 109.8% 111.1% 121.7% n/a n/a n/a
Free cash flow margin n/a n/a 120.3% 50.9% 46.1% 179.5% 238.5% n/a n/a n/a

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow0.17Capital expenditure−0.01Free cash flow0.16Buybacks−0.00Dividends paid−0.10Fiscal year 2017Operating cash flow0.25Capital expenditure−0.01Free cash flow0.24 +46.6%Buybacks−0.00Dividends paid−0.12Fiscal year 2018Operating cash flow0.29Capital expenditure−0.01Free cash flow0.29 +20.3%Buybacks−0.10Dividends paid−0.14Fiscal year 2019Operating cash flow0.15Capital expenditure−0.01Free cash flow0.14 −51.1%Buybacks−0.04Dividends paid−0.14Fiscal year 2020Operating cash flow0.14Capital expenditure−0.02Free cash flow0.12 −13.8%Buybacks−0.02Dividends paid−0.16Fiscal year 2021Operating cash flow0.61Capital expenditure−0.02Free cash flow0.59 +389.3%Buybacks−0.01Dividends paid−0.18Fiscal year 2022Operating cash flow0.76Capital expenditure−0.02Free cash flow0.74 +25.2%Buybacks−0.08Dividends paid−0.19Fiscal year 2023Operating cash flow0.44Capital expenditure−0.01Free cash flow0.42 −43.1%Buybacks−0.00Dividends paid−0.19Fiscal year 2024Operating cash flow0.45Capital expenditure−0.01Free cash flow0.43 +2.3%Buybacks−0.00Dividends paid−0.20Fiscal year 2025Operating cash flow0.50Capital expenditure−0.02Free cash flow0.48 +11.0%Buybacks−0.13Dividends paid−0.21
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.17 0.25 0.29 0.15 0.14 0.61 0.76 0.44 0.45 0.50
Capital expenditure −0.01 −0.01 −0.01 −0.01 −0.02 −0.02 −0.02 −0.01 −0.01 −0.02
Free cash flow 0.16 0.24 0.29 0.14 0.12 0.59 0.74 0.42 0.43 0.48
Growth +46.6% +20.3% −51.1% −13.8% +389.3% +25.2% −43.1% +2.3% +11.0%
Buybacks −0.00 −0.00 −0.10 −0.04 −0.02 −0.01 −0.08 −0.00 −0.00 −0.13
Dividends paid −0.10 −0.12 −0.14 −0.14 −0.16 −0.18 −0.19 −0.19 −0.20 −0.21

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash1.43Total debt1.17Net cash (debt)0.26Shareholders’ equity2.24Debt to equity0.52Fiscal year 2017Total debt1.36Shareholders’ equity3.24Debt to equity0.42Fiscal year 2018Total debt1.50Shareholders’ equity3.25Debt to equity0.46Fiscal year 2019Cash0.84Total debt1.84Net cash (debt)−1.00Shareholders’ equity3.36Debt to equity0.55Fiscal year 2020Cash2.21Total debt0.86Net cash (debt)1.34Shareholders’ equity4.30Debt to equity0.20Fiscal year 2021Cash3.76Total debt0.82Net cash (debt)2.94Shareholders’ equity4.72Debt to equity0.17Fiscal year 2022Cash1.18Total debt2.20Net cash (debt)−1.02Shareholders’ equity4.52Debt to equity0.49Fiscal year 2023Cash1.60Total debt1.79Net cash (debt)−0.19Shareholders’ equity4.77Debt to equity0.37Fiscal year 2024Cash2.29Total debt0.54Net cash (debt)1.75Shareholders’ equity4.99Debt to equity0.11Fiscal year 2025Cash2.54Total debt0.53Net cash (debt)2.01Shareholders’ equity5.50Debt to equity0.10
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 1.43 n/a n/a 0.84 2.21 3.76 1.18 1.60 2.29 2.54
Total debt 1.17 1.36 1.50 1.84 0.86 0.82 2.20 1.79 0.54 0.53
Net cash (debt) 0.26 n/a n/a −1.00 1.34 2.94 −1.02 −0.19 1.75 2.01
Shareholders’ equity 2.24 3.24 3.25 3.36 4.30 4.72 4.52 4.77 4.99 5.50
Debt to equity 0.52 0.42 0.46 0.55 0.20 0.17 0.49 0.37 0.11 0.10

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Balance sheet

In billions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Assets
1.43 n/a n/a 0.84 2.21 3.76 1.18 1.60 2.29 2.54
0.08 0.10 0.10 0.10 0.18 0.20 0.20 0.19 0.19 0.21
0.86 1.48 1.48 1.48 1.80 1.89 1.89 1.89 1.89 2.02
14.51 19.06 19.25 19.66 26.18 29.33 29.49 29.93 30.02 33.66
Growth +31.4% +1.0% +2.1% +33.2% +12.0% +0.5% +1.5% +0.3% +12.1%
Liabilities
1.17 1.36 1.50 1.84 0.86 0.82 2.20 1.79 0.54 0.53
calc 1.17 1.36 1.50 1.84 0.86 0.82 2.20 1.79 0.54 0.53
12.27 15.82 16.00 16.30 21.89 24.61 24.97 25.16 25.03 28.16
Equity
0.87 0.89 1.01 1.13 1.21 1.39 1.58 1.75 1.92 2.17
2.24 3.24 3.25 3.36 4.30 4.72 4.52 4.77 4.99 5.50
Growth +44.9% +0.3% +3.5% +27.8% +9.8% −4.3% +5.6% +4.7% +10.1%
Per share and net cash
calc 0.26 n/a n/a −1.00 1.34 2.94 −1.02 −0.19 1.75 2.01
81.0 105.0 102.1 101.6 129.0 136.5 134.7 135.0 143.2 139.4
calc 27.59 30.85 31.85 33.12 33.32 34.56 33.52 35.35 34.87 39.42

Lines marked calc are worked out here from filed figures; point at one for how.