United Bankshares (UBSI) Financials

$46.99

$0.46 (0.98%)

As on 25-Sep-2026 13:40EDT

Market cap

$6,417 Mln

Revenue (TTM)

$1,802 Mln

P/E Ratio

12.8

P/B Ratio

1.2

Div. Yield

3.2 %

Income Statement ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Operating Revenue	1,801.67	1,820.60	1,620.71	1,528.85	1,145.51	1,059.24
Cost of Revenue	579.61	630.78	616.21	512.55	124.38	28.41
Gross Profit	1,222.07	1,189.82	1,004.50	1,016.30	1,021.13	1,030.83
Operating Expenses	609.28	599.64	539.92	552.50	545.35	567.97
Operating Profit (EBIT)	612.78	590.18	464.58	463.81	475.78	462.85
Other Income	--	--	--	--	--	--
Profit before Tax	644.51	583.40	464.58	463.81	475.78	462.85
Provision for Tax	129.36	118.80	91.58	97.49	96.16	95.12
Profit after Tax (Net Income)	515.15	464.60	373.00	366.31	379.63	367.74
Minority Interest	--	--	--	--	--	--
Consolidated Profit	--	--	--	--	379.63	367.74

Liabilities ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Shareholder's Funds	5,510.54	5,495.98	4,993.22	4,771.24	4,516.19	4,718.63
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	28,074.30	27,965.73	892.37	1,926.69	2,319.59	935.54
Current Liabilities	167.00	198.57	24,137.95	23,228.55	22,653.59	23,674.74
Total Liabilities	33,918.83	33,660.28	30,023.55	29,926.48	29,489.38	29,328.90

Assets ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Non-Current Assets	2,239.97	2,235.82	27,368.70	24,430.91	23,676.99	21,464.45
Current Assets	5,401.05	5,601.70	2,654.85	5,495.57	5,812.39	7,864.45
Total Assets	39,152.89	33,660.28	30,023.55	29,926.48	29,489.38	29,328.90
Total Debt*	799.37	921.17	803.28	2,078.08	2,434.10	1,032.94
Net Current Assets	--	--	--	--	--	--

Cashflow ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Cash From Operating Activities	--	498.91	445.45	435.24	760.82	609.54
Cash Flow from Investing Activities	--	-899.31	571.49	38.99	-3,447.66	15.65
Cash from Financing Activities	--	650.41	-323.64	-51.94	105.32	923.91
Net Cash Inflow / Outflow	--	--	--	--	-2,581.52	1,549.10

Financials Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Adjusted EPS ($)	3.66	3.30	2.75	2.71	2.82	2.80
Cash EPS ($)	--	3.20	2.82	2.88	2.86	2.85
Adjusted Book Value ($)	--	38.98	36.79	35.35	33.50	35.94
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	--	3.54	3.28	3.22	5.64	4.64
Free Cash Flow per Share ($)	--	3.41	3.19	3.14	5.52	4.53

Profitability Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
ROCE (%)	--	7.61	5.90	5.31	5.98	6.61
ROE (%)	9.36	8.86	7.64	7.89	8.22	8.16
ROA (%)	1.38	1.46	1.24	1.23	1.29	1.32
EBIT Margin (%)	6.97	--	28.67	30.34	41.53	43.70
Net Margin (%)	28.59	25.52	23.01	23.96	33.14	34.72
Cash Profit Margin (%)	--	--	--	--	--	--

Growth Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Revenue Growth (%)	5.81	0.12	0.06	0.33	0.08	-0.07
EBIT Growth (%)	8.90	--	0.17	-2.52	2.79	28.66
Net Profit Growth (%)	30.52	24.56	1.82	-3.51	3.23	27.23
EPS Growth (%)	28.87	0.20	0.01	-0.04	0.01	0.25
Book Value Growth (%)	4.45	--	--	--	--	--

Valuation Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Price / Earnings	12.84	11.65	13.66	13.84	14.38	12.95
Price / Book Value	1.16	0.99	1.02	1.06	1.21	1.01
Dividend Yield (%)	3.21	--	--	--	--	--
EV/EBITDA	--	1.24	7.05	3.62	4.35	-4.26
Close Price ($)	45.83	38.40	37.55	37.55	40.49	36.28
High Price ($)	46.50	40.52	44.43	42.45	44.15	42.50
Low Price ($)	34.10	30.51	30.68	25.35	33.11	31.57
Market Cap ($ Cr)	6,416.97	--	--	--	--	--

Solvency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Debt to Equity	0.10	0.17	0.16	0.44	0.54	0.22
Short term debt to equity ratio	0.03	0.04	0.04	0.04	0.04	0.03
Current Ratio	32.34	28.21	0.11	0.24	0.26	0.33
Quick Ratio	32.34	--	--	0.17	0.26	0.49
Interest Coverage	2.15	--	0.79	0.96	4.51	8.84

Operating Efficiency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Debtors to sales (%)	5.53	6.00	6.32	7.29	8.28	6.09
Asset Turnover	0.05	0.06	0.05	0.05	0.04	0.04
Receivable days	--	21.23	24.10	24.64	25.41	22.65
Inventory Days	--	--	881.71	530.75	-5,631.48	-39,439.24
Payable days	--	--	--	135.20	34,563.08	151,384.69
Cash Conversion Cycle	--	--	--	420.19	-40,169.16	-190,801.28

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Income Statement ($ Mln)